100 Days to a New Life


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According to the famous University College London habit study, it can take anywhere from 20 days to 254 days for a habit to form, with the average habit taking approximately 66 days.

A habit is formed when brain cells (neurons) form a long-term synapse. A synapse is a neural pathway that is created in the brain when two or more brain cells repetitively communicate with each other. If that communication continues long enough, a part of the brain called the basil ganglia, reaches its tentacles out (axon filaments) to the synapse, marking it as a habit. Once a synapse is co-opted as a habit by the basil ganglia, that synapse, or neural pathway, never truly dies, even when the activity that created the synapse ceases. They are often brought back to life during periods of stress or emotional duress. This is why habits are so hard to break – the neural pathway becomes permanent once it is marked as a habit.

100 Day Challenge

Consistency transforms behaviors into habits. Adopting good daily habits can only happen if you consistently engage in those habits every day. One strategy to make good habits stick is something called the 100 Day Challenge. Here’s how it works: for 100 days, focus on engaging in one new habit for 100 days in a row. By the end of the 100 days the neural pathway will be strong enough to get the attention of the basal ganglia and will in all likelihood become a permanent habit.

The key is to focus on only one habit during this 100 day period. Here are some new habit ideas:

  • New Exercise Habit: For 100 days run, jog, walk, cycle, lift weights for 20 minutes a day.
  • New Self-Education Habit: For 100 days read for 20 minutes a day, or listen to a podcast, or watch TEDx talks, or study something related to your job or career.
  • New Skill Habit: For 100 days practice some new skill for 20 minutes a day.
  • Healthy Eating Habit: For 100 days reduce how much junk food you eat by 300 calories a day.
  • Change TV Habit: For 100 days reduce how much TV you watch by one hour a day.
  • Change Social Media Habit: For 100 days reduce how much time you spend on social media by one hour a day.
  • No Gossip Habit: For 100 days avoid gossiping about anyone.

After 100 days the synapse or neural pathway will be strong enough for a permanent habit to form. Then, apply the 100 Day Challenge to another individual habit.

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Thomas C. Corley About Thomas C. Corley

Tom Corley understands the difference between being rich and poor: at age nine, his family went from being multi-millionaires to broke in just one night, due to a catastrophic fire that destroyed his Dad's thriving business. For fourteen years they struggled with poverty. There were eleven in Tom's family, and they lived in constant fear of losing their home.

Driven by the desire to unlock the secrets to success and failure, Tom spent five years studying the daily activities of 233 rich people and 128 poor people. He discovered there was an immense difference between the habits of the rich and the poor. During his research he identified over 300 daily activities that separated the “haves” from the “have nots.” Tom decided to write a book to share what he learned. That book, Rich Habits: The Daily Success Habits of Wealthy Individuals (1st Edition), went on to become an Amazon Bestseller in the United States forty times over a three year period. To give you some perspective, in order to be a true Amazon Bestseller in the United States, where you actually receive a specific Bestseller designation from Amazon, you need to be in the top 100 of all books sold by Amazon in the United States in a given day. Rich Habits did that for nearly thirty straight days, rising as high as #7, eclipsing such Bestselling authors such as Stephen Covey, Robert Kiyosaki and J.K. Rowlings. Imagine that - an unknown, first-time, self-published author selling more books than J.K. Rowlings!

Tom now travels the world, sharing his Rich Habits and motivating audiences at industry conferences, corporate events, universities, multi-level marketing group events, and global sales organizations’ presentations and finance conferences. He has even spoken on the same stage with famous entrepreneurs and personal development experts, such as Sir Richard Branson, Robin Sharma, Dr. Daniel Amen, and many others.

Tom has shared his insights on various national and international network, cable, and Internet television programs such as CBS Evening News, NBC News, Yahoo Financially Fit, Money.com, India TV, News.com Australia, and a host of others. He has been interviewed on many prestigious nationally syndicated radio shows, including the Dave Ramsey Show, Marketplace Money, and WABC.

Tom has been featured in numerous print magazines—such as Money magazine, Inc. Magazine, SUCCESS Magazine, Entrepreneur magazine, Fast Company magazine, More magazine, Epoca Magazine (Brazil’s largest weekly) and Kiplinger’s Personal Finance magazine—and various online publications, including USA Today, CNN, MSN Money, SUCCESS.com, Inc.com, and the Huffington Post. Tom is a frequent contributor to Business Insider, Credit.com, Bankrate.com and a few other media outlets.

National publicity has garnered international media attention for Tom and his Rich Habits research spanning 23 countries. Broadcast media, online publications, and television throughout Asia, the South Pacific, Europe, the United Kingdom, and Central and South America have shared his powerful message.

In an effort to help parents, grandparents, teachers and adults become success mentors to the younger generation, Tom released his second book, Rich Kids: How to Raise Our Children to be Happy and Successful in Life in 2014. This book was the self-help category winner of the 2015 New York Book Festival and Runner-up in the prestigious 2015 Writer’s Digest Self-Published Book Awards Contest. In 2016 Tom released his third book, Change Your Habits, Change Your Life. This book provides the latest science on habit change as well as more of Tom's unique research on the specific habits that helped transform 177 ordinary individuals into self-made millionaires.

Besides being an author, Tom is also a CPA, CFP, and hold a master’s degree in taxation. As president of Cerefice and Company, CPAs, Tom heads one of the premier financial firms in New Jersey.
Phone Number: 732-382-3800 Ext. 103.
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