How behavioural finance can help your bottom line is the key to becoming financially independent. Don Eschbach is a lifelong student of Behavioral Economics and enthusiastic about promoting taking control of your spending habits. Don quotes a Kaplan study that showed only 13% of our wealth is the result of the markets and market timing. Most investors focus on this 13% and not on what they have spent their money on. If you want to know how to retire early, what you need to know could well be in focusing on your savings plans.