TITLE: 5 Money Habits That Quietly Build Wealth
FORMAT: landscape

# Each SCENE is one drawing. The hand writes the heading, then draws the picture.
# DRAW: = built-in doodles. IMAGE: = your own picture (e.g. from Google Flow) - it replaces the doodles.
# PICTURE: = what to ask Google Flow for (not shown). SAY: = what the narrator says.

SCENE: 5 Habits That Build Wealth
PICTURE: a cheerful person watering a small tree that has coins growing on it
DRAW: piggybank, arrow, moneytree
SAY: Most people think getting rich takes a lucky break. But for most people, wealth is built by a few quiet habits, repeated for years. Here are five of them, counting down.

SCENE: #5 Pay yourself first
PICTURE: a paycheck splitting into two arrows, a bigger one into a savings jar and the rest into a wallet
DRAW: dollar: Paycheck, arrow, jar: Savings
SAY: Number five. Pay yourself first. Before the bills, before the fun money, move a slice of every paycheck into savings. If it never hits your spending account, you never miss it.

SCENE: #4 Track every dollar
PICTURE: a person with a magnifying glass looking at a notebook full of receipts
DRAW: book: Budget, calendar, check
SAY: Number four. Track where your money goes. You can't fix a leak you can't see, and most people are surprised by what a month of spending really looks like.

SCENE: #3 Build an emergency fund
PICTURE: a broken-down car next to a calm person holding a sturdy umbrella made of money
DRAW: warning, moneybag: 3-6 months
SAY: Number three. Build an emergency fund. A few months of expenses set aside turns a car repair or a slow season from a crisis into an inconvenience.

SCENE: #2 Let time do the work
PICTURE: a seed in soil growing step by step into a big tree, with a clock beside it
DRAW: seed, arrow, tree
SAY: Number two. Start investing early, even small. Growth builds on growth, so a little money given a lot of time can end up bigger than a lot of money given a little time.

SCENE: #1 Spend less than you earn
PICTURE: a balance scale with a big bag labeled income outweighing a small pile of bills
DRAW: scale: Earn more than you spend, trophy
SAY: And number one. Spend less than you earn, every single month. It sounds simple, because it is. Every other habit on this list depends on it.
