1. Being consistent & having amnesia... If you have a great day, forget about it tomorrow and work like you didn't just make that money. If you have a terrible day, forget about it and work some more.
2. Take care of your own finances and insurance. If you can't even do that, how can you advise others on theirs?
3. Set realistic detailed goals, and hold yourself accountable to hitting them. After you start hitting them consistently, raise them.