If you are poor, I can guarantee that you have inculcated the destructive Keystone Habit of Negative Thinking. (richhabits.net)
In his book, The Power of Habit, Charles Duhigg describes keystone habits as, «small changes or habits that people introduce into their routines that unintentionally carry over into other aspects of their lives.» (inc.com)
Journaling daily is the most potent and powerful keystone habit you can acquire. (inc.com)