We should cultivate a healthy saving habit and spend some time on it if we want to increase our fortune.

如果我们想积累财富，要做的就是养成健康的储蓄习惯，外加有一点点时间。

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Personal finance sites marketed to GenDebt are growing every day, and anything that starts the saving habit is a good idea.

个人理财网站…，任何能让人们开始养成节约习惯的都是好点子。

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Therefore, though the instincts make us spend too much, frugality of Japanese has proved that instincts can be changed and good saving habit can be trained.

所以，虽然本能使得我们花钱太多，日本人的节俭却证明这些本能是能够改变的，可以培养良好的储蓄行为。

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Because home equity loans suddenly exploded after a 1986 tax revision, because credit cards were deregulated and because of a lot of these things and a lot of things dealing with deregulation, credit became very available to people and that's where I think most people lost their saving habit.

NPR: All I Want For Christmas: Less Debt?

Like diet and exercise, retirement saving is a lifelong endeavor, a habit more than a single decision along the way.

FORBES: Are You a 'Yo-Yo Diet' Investor? Time to Face It