 No one wins at something unless they do it on purpose. Winning is an intentional act. No one accidentally wakes up and wins a Super Bowl. What happened? I don't know, I just got off the bus. No, that doesn't happen. It's a series of intentional acts, sacrifices, disciplines that cause you to win. In the world of money, one of the things that causes people to win is they actually tell their money what to do instead of wondering where it went.