Agree with all of these, especially the last one. When I started getting my finances together it was all very exciting and I was really into it.

This past year has been my best year to date, in earnings, savings, and net worth growth. It's also been the most boring - my budget is the same almost every month, I can easily predict yearly expenses and busy months, and I don't think twice about what to do with extra money.

Which is great - you'll go crazy spending all your time thinking about money. Create a system that works for you, find your WHY, and build the habits to make it last. And then live your life! And when you look, you'll have build a ton of wealth without even realizing it.