34-year-old who is on track to reach a $1 million net worth by age 40: ‘We should all adopt these 7 money habits’

At 34, Mandi Woodruff-Santos has a net worth of $700,000 — mostly from her income, retirement savings, home equity and investing accounts. Now, she's on track to reach a $1 million net worth by age 40. Here are her top money habits.