1. Time Management - Use the "Pomodoro technique" (25 min work, 5 min break) to stay focused. - Plan your day the night before with a to-do list. 2. Productivity - Prioritize task using "Eisenhower Matrix"(urgent vs. important). - Limit multitasking — focus on one thing at a time. 3. Financial Discipline - Track your spending daily to control expenses. - Save first before spending (pay yourself first).