Brad Sugars discusses the nine reasons that keep people from investing. One of the main reasons he outlines are bad or good habits, and suggests to start engaging in what he calls “RICHuals” that reward good and positive habits. This can also mean overcoming negative family traditions, a focus on creating a legacy, overcoming fear by getting more knowledge and information and having clear goals for your investments. By getting more knowledge and information, you can develop the courage to take on better money management and investment skills, and move past the apathy many people have toward building wealth and success.