There are a lot of ways to prepare a breakfast. Toast and jam, eggs (scrambled, sunny-sideup, over easy, etc…), milk and cereal, pancakes and syrup, bacon or sausage, yogurt with granola and fruit and then there’s oatmeal.

To be honest I’m not the most exciting person when it comes to making breakfast. I have the philosophy for myself to keep my first meal relatively healthy, to keep it simple, and to keep it consistent.

The last couple years have seen a great deal of changes in my life; I officially finished high school, got my first real job, took 3 big camping trips (2 to Canada, one to Pictured Rocks MI), had a chaotic semester (with both full-time work and full-time school), said goodbye to my family of two parents and four siblings who moved to Zambia, Africa, Visited them for 3 months, came back and took a 2300 mile road trip by myself, and now am finally beginning my first regular semester at University.

With all this change I have kept my morning routine fairly consistent. I wake up early, do pushups, run, do jumping jacks, or sometimes none of them. I take a shower, read, write, and I have my oatmeal.

The same is true with my money philosophy. While I am at this early stage of my career and investing I have only a few basic tasks to put my money towards: living (food, insurance, college, etc…), generosity, savings and passive investing. My goal in this period of life isn’t to make billions or millions – my goal is to set up my future.

Just like my breakfast isn’t meant to be fancy or complicated, neither should your finances. This rings especially true for those of us who are younger. The People who end up broke are almost always those who either spend all their money trying to feel rich or spend all their money trying to get rich (fast).

To follow in the footsteps of responsible millionaires you need to keep these three ingredients in your financial life: responsible actions taken simplistically over a long period of time (consistency).