Yahoo! Finance Financially Fit section recently had an article talking about the habits of wealthy people based on financial planner Tom Corley’s book, Rich Habits: The Daily Success Habits of Wealthy Individuals.

The tricks of the wealthy are:

According to the Federal Reserve, Consumer installment credit rose $19.6 billion in May 2013 to $2.8 trillion — the biggest increase in a year. Consumer debt increased for credit cards, college tuition loans and cars loans.

Many of us struggle with how much cash in the bank we will need to be able to comfortably retire. Each person’s quality of life is defined so differently, that a simple mathematical equation often does not work perfectly. A recent study by Dimensional Fund Advisors provides a unique sliding scale approach that is worth evaluating.

Starting Monday, July 1, 2013, approximately 7 million students who will accept subsidized government loans will see their interest rates double to 6.8%. The higher rates that go into effect on July 1 only apply to new loans. These loans are generally awarded to only about a third of undergraduate students in financial need.

Undergraduates, who take out unsubsidized student loans from the government, have been paying the 6.8% rate since 2007.