Habits Inc.

Your bank balance doesn't define wealth. Your calendar does. Here’s why: • High income ≠ time freedom • Big portfolio ≠ peace of mind • More money ≠ more choices The most stressed people I meet are often the highest earners. They've traded their most precious resource - time - for dollars. They're: • Missing kids' games • Skipping date nights • Canceling vacations • Living for "someday" Meanwhile, I see families making $80k who: • Never miss dinner together • Take real vacations • Coach their kids' teams • Build memories daily Because they've realized you can always make more money. You can never make more time. Stop optimizing for your net worth. Start optimizing for your net life. That's real wealth.

I’ve been hesitant to share this one… Money destroys more relationships than cheating. Yet couples would rather talk about anything else. I meet successful couples every day. Building lives together, crushing their careers, but totally avoiding money conversations. The elephant in the room gets bigger every year. Some recent examples: • A couple making $300k combined who never talked about student debt • Partners maxing separate 401ks while struggling to pay joint bills • Spouses who kept secret credit cards to avoid budget discussions Most couples wait 5+ years to have real money conversations. By then, the communication gap has turned into a canyon. Think about that, 5 years of: • Avoiding tough conversations • Making assumptions • Building separate financial lives • Growing resentment • Losing trust Money touches everything in a relationship: • Where you live • How you spend weekends • When you start a family • What opportunities your kids have • Whether you take that dream job A financial advisor can create a safe space for these conversations. The gap only gets wider with time.

"I've never had a financial advisor. Pitch me why I need one." ^ said by a VC I met with last week - Early 30's - No kids - Married - Two incomes I asked "Do you own a car?" He responded "Yes." "Did your parents own a car?" "Yes" "So it's okay for me to say your familiar or an expert on cars?" "Yes, I'm no engineer, but why does this matter?" "What do you do when you have a question about your car?" "Youtube or car manual." "What about when you need an oil change or your engine light turns on?" "I take it to the dealership." "And how often do you do that?" "I see your point." ^Everybody has a DIY expiration date.

Your financial advisor will know more about you than your therapist. So why do most platforms match you based on just your zip code and income? Finding the right financial advisor is deeply personal. It's about life stages, family dynamics, career transitions, and those late-night money worries that keep you up at 2am. That's why we built our matching system differently. We don't just look at surface-level stats. We analyze the real stuff: • Where you are in your career journey • Your comfort level with financial decisions • Major life transitions on your horizon • Your communication style and preferences • What keeps you up at night about money • How you prefer to make important decisions Our conversion rates hit 50%+ for our top advisors. The best financial relationships are built on human connection, mutual understanding, and trust. You can't fake that with technology alone. Want to learn more about how we match families with advisors who get them? DM me

Is there a wave coming for client acquisition? What trends have you been seeing? On today’s episode of Financial Advisors Want to Know, I have Jack Boudreau of Habits Inc. talking about what he’s seeing work and not work for advisors dealing with a new generation of client acquisition. Listen below for his top feedback on where he’s been seeing firms win with the 25-45 demographic. https://lnkd.in/dSF2GGjP

Stop ignoring the "small stuff" in your finances. A family I spoke with recently was drowning in a $6,800 monthly burden. But they'd been paying: • $180/month for unused subscriptions • $220/month extra on car insurance • $95/month for a premium phone plan they didn't need That's $5,940 a year they could get back with zero lifestyle change. Here’s the unsexy truth about building wealth: • It's boring • It's methodical • It compounds slowly • Nobody will notice but you Take 15 minutes. Review your recurring charges. Question everything. The breathing room you need might be hiding in plain sight. Look for small wins. They add up faster than you think.

I see this pattern with almost every family I talk to: Early 20s: • "Just want to stop living paycheck-to-paycheck" • "Need to kill this student debt" • Basic emergency fund feels like wealth Late 20s: • "Time to think about home ownership" • "Starting to save for retirement feels surreal" • First real investments Early 30s: • "Probably should start acting like an adult" • "I probably should have a bigger nest egg" • DIY expiration date is screaming at you Late 30s: • "Kids change everything" • "College savings keeps me up at night" • FOMO hits hard Chasing a moving target can leave you always wanting more. Small wins. Realistic goals. “Enough” is not a number.

People are going to think it's cringe. People are going to think you're a wannabe. Until it works...and then they can't tell you sh*t. About 6 months ago, a bunch of us went to see our friend pitch his first MLB appearance in Wrigley Field. While at the game, a few of us got up to grab some beers and popcorn. And as we returned, a random guy from the stands gave me a shout out for my TikTok content. It was very flattering and I went and chatted with him for a few seconds. Now this had happened to me a couple of times before, but never when friends or family were around. One of which said "dude that was crazy." And proceeded to say something to me that I was honestly pretty surprised to hear... "I'll be honest, once you were posting all that stuff on Tiktok a few of us kinda said to one another 'Can you believe that Jack is trying to be an influencer?'" I wasn't mad, nor was I surprised. Because (1) you never know who may be talking sh*t about you, (2) you never know who silently rooting for you, (3) you have to accept the fact you will be mocked for taking the road less traveled. Because the truth is, you're cringe until it works out. Similarly, your crazy until your startup takes off. And lastly, your finances are good until they're not. I may not be able to help with the first two things, but we can most definitely with that final comment (about your finances) through Habits Inc.

Everybody mocks financial advisors...until they need one. I've seen this countless times... - "Why would I pay someone a whole 1%!?" - "I don't need insurance" - "Wait, they don't file your taxes for you and you pay them WHAT??" - "Why would I pay someone to buy ETFs?" - "Bro have you seen Wolf of Wall Street or The Big Short? They're crooks." But then late on Saturday nights... Or driving home from their in-laws... Or seeing their friend buy a beautiful home... Or a buddy posting how they paid off their student loans... They start to think to themselves: "What am I doing wrong?" Then they start to compare themselves: "But I make more money." Then they start to justify: "I hear their in-laws are super rich." Eventually, those people start to ask questions to their friends and family about their finances (maybe it takes a couple glasses of wine, or a random text, but it happens). And it's embarrassing at times. Just acknowledging you need financial help or expertise, especially if you've been the one mocking the very existence of an advisor, let alone needing one. But it's one of the many reasons why we jokingly say at Habits Inc., that in some way shape or form... Everybody has a DIY expiration date. Everybody. So if this is you, no harm or foul. But when that day comes, check us out. Why? Just check out the types of emails we get on a daily basis.

The corporate mindset taught me that every hour needed to be "productive." Even lunch breaks were for networking. Commutes were for calls. Weekends were for "getting ahead." J.P. Morgan trained me well. Too well. What I've learned building Habits: Productivity metrics lie. They measure: • Hours at desk • Tasks completed • Outputs delivered • "Efficiency" gained But they miss what actually matters: • Mental bandwidth • Creative energy • Strategic thinking • Human connection The system wants you to believe: • More hours = more success • Busy = important • Tired = dedicated • Stressed = valuable But you can’t let spreadsheets dictate your life.