Spending is fun when you know the right savings habits. The most important habit of all is to pay yourself first. This is the most powerful tool of the rich. Paying yourself first means that whenever you get some money, you pay yourself a minimum of 10% of that money before you pay anyone else. Paying yourself first means that you never pay yourself less than 10%. Ever. Our Kids Ride to Riches clients receive detailed strategies for learning great money habits and other items on this financial lifeline.