Not all of us are materialistic, but we can probably all agree that making more money is a good thing. It’s true that setting a strict budget, cutting your expenses, and saving more money can go a long way in maximizing your personal financial growth, but these strategies pale in comparison to one major variable in your life–your income. Everything else being equal, making more money makes life easier.
Most people realize this, but so many neglect certain fundamentals and throttle their income potential. For example, take these seven stifling habits that could put a stubborn limit on the amount of money you make:

1. Failing to negotiate.

Everything is negotiable. That doesn’t mean you’ll always get what you want, but you won’t get what you don’t ask for. Let’s consider a salary negotiation. The first offer most employers throw out isn’t the highest they’re willing to make. If you’re confident in your skills and experience and you’ve done the research to know your ballpark worth, there’s no reason why you can’t ask for more. The worst that can happen is that they say no and respond with a counteroffer–and it’s still more than you would have gotten otherwise. I took a class in college called “Negotiations 101,” and one thing I learned really stuck with me–never accept the first offer, even if all you say is “Can you do a little better?” It’s one of the best pieces of advice I’ve ever received.

2. Failing to invest in yourself.

According to famed investor Warren Buffet, “You are your own biggest asset by far.” You might invest in stocks, real estate, or some other material possession, but the best investment you can make is in yourself. You are the force responsible for earning money, and you’re the one making the decisions in your life. Equipping yourself with greater knowledge, more skills, better health, and more experience means you’ll be worth more to your future employers, you’ll make more valuable decisions, and ultimately, you’ll earn more money.

3. Tunnel vision.

If you’re going to invest in something, you might as well invest all the way.

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