Easy Wealth


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Building wealth isn’t always easy. It can be very hard, depending on the path you choose. I learned from my Rich Habits Study that there are four very different paths towards accumulating wealth. Some paths are harder than others:

Hardest Path to Building Wealth – The Dreamer/Entrepreneur Path

Pursuing a dream can be the most rewarding thing you ever did, not only in terms of fulfillment but also financially. The Dreamer/Entrepreneurs in my study loved what they did for a living and that passion showed up in their bank accounts. My Dreamers/Entrepreneurs had an average Net Worth of $7.4 million. Far more than any group of millionaires in my study.

Costs of being a Dreamer/Entrepreneur:

  • Long Work Hours – The average Dreamer/Entrepreneur in my study worked an average of 61 hours a week, for twelve years. Weekends and vacations were almost non-existent. Those long work hours impacted everyone in the Dreamer’s immediate orbit. Family and friends are hit the hardest by their absence. Often one spouse must take up the slack and raise their children as if they were a single parent. Close friendships whither on the vine, due to those long work hours.
  • Financial Stress – Until the Dream begins to pay off, making ends meet can cause almost intolerable stress. Only the strong can survive that stress and that includes the spouses. In the early going, getting a steady paycheck is near impossible. Weak marriages will almost certainly fall apart, leading to divorce.
  • High Risk – Dreamers put everything they own on the line – their homes, retirement plans, and savings become the assets that finance their Dream. When a Dreamer runs out of assets, they turn to debt to keep their Dream alive. The lucky ones are eventually able to secure Lines of Credit to keep them afloat. The unlucky ones rely on credit cards or loans from family and friends to survive until they thrive. If they thrive. Pursuing a Dream is a gamble. There’s absolutely no guarantee that the Dream will every pay off. Many fail. In fact, 27% in my Rich Habits Study failed at least once. Failure can mean bankruptcy. Oftentimes, that bankruptcy is followed up with divorce.

Second Hardest Path to Building Wealth – The Big Company Climber Path

Climbers are individuals who work for a big company and spend most of their careers climbing the ladder until they reach the upper echelons – senior executive status. In my Rich Habits Study, it took the Climbers about 22 years to accumulate an average Net Worth of $3.4 million. Much of that wealth came from either stock compensation or a partnership share of profits.

Costs of being a Climber:

  • Long Work Hours – Like the Dreamers, Climbers have to work long hours, which often includes weekends. Most Climbers have to travel regularly. Airports, hotel rooms and taxis become a way of life. And very often, Climbers have to work during weekends and on vacations.
  • Political Experts – Besides the hard work, Climbers must possess expert political skills. Those with expert political skills are able to outmaneuver their internal competitors – other Climbers, biting at their heels and stabbing them in the back, as opportunities present themselves. There is always some other Climber seeking to undermine you in order to advance their personal agenda, which is usually the same as yours – climbing further up the ladder.
  • Power Relationships – You must also have master relationship-building skills. Those who succeed in reaching the upper echelons of a big company are almost certainly the best at building relationships both within the organization they work for and within their industry. Building these strong, powerful relationships, however, takes time, energy and money. Frequent phone calls, entertainment, going to weddings, birthday parties or funerals and sending thoughtful cards or for special occasions. Just managing all of those Power Relationships can take up a big part of your workday.
  • Risk – Like the Dreamer Path, the Climber Path has some unique risks. If the company struggles financially, for whatever reason, your time investment in that company may not be rewarded, to the extent you expected.

Third Hardest Path to Building Wealth – The Virtuoso Path

When you are a Virtuoso, it means you are among the top experts in your industry or field. That expertise may be knowledge-based or skill-based. Virtuosos are paid a high premium for their expertise. That high premium means they are able to earn more money than their non-Virtuoso peers.

Costs of being a Virtuoso:

  • Significant Investment – Becoming a Virtuoso requires an enormous investment in time, and often money. Knowledge-based Virtuosos must spend many years in continuous study. Oftentimes, this requires formal education, such as advanced degrees (PhD, Medical Degrees, Law Degrees, etc.). Skill-based Virtuosos devote themselves to many years of Deliberate Practice and Analytical Practice. Deliberate Practice requires many years of honing your skills. Analytical Practice often requires the services of a coach, mentor or expert who can provide immediate feedback. This feedback, in most cases, costs money.
  • Long Hours – Like the Dreamer and Climber, the Virtuoso has to work long hours, not only in perfecting their knowledge or skills, but also in maintaining and using them. Virtuosos are rare and, therefore, in high demand. That demand means many long hours serving the needs of others in exchange for money.

Easiest Path to Building Wealth – The Saver-Investor Path

What if I told you that there is an easy, guaranteed way to accumulate wealth? There is a path to becoming a self-made millionaire that does not require any unique set of skills, does not require special knowledge, does not require taking significant risks and does not require long, oppressive work hours, isolating you from your family and friends.

The Saver-Investor Path is not only the easiest path to building wealth, it is also the guaranteed path to building wealth. But this easy, guaranteed path does have four requirements:

  1. Middle-Class Income – It’s hard to save when you are poor. Most of the poor are barely able to meet the costs of even a low standard of living. But, if you have a middle-class income and keep your standard of living low, this will give you the ability to save.
  2. Discipline – The Saver-Investor who is able to accumulate significant wealth does so by saving 20% or more of their income and living off the remaining amount. This requires discipline in how you spend money.
  3. Consistency – Saver-Investors consistently save and consistently invest their savings so that their wealth can grow every year.
  4. Time – The Saver-Investor millionaires in my Rich Habits Study consistently saved 20% or more of their income and invested those savings over an average of 32 years.

In my Rich Habits Study this group of millionaires accumulated an average of $3.3 million. This path requires that you start early – almost immediately upon entering the adult work force. If you start later in life, and still desire to retire wealthy, you will have to increase your savings rate by 10% for every ten years you failed to save and work longer.

For example, if you decide to pursue the Saver-Investor Path in your mid-thirties, you will have to increase your annual savings to 30% of your net income and work into your mid-sixties. If you start in your mid-forties, you will have to increase your annual savings to 40% and work into your mid-seventies.

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The Straightforward Path to Wealth


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Recent Media Coverage

Most Saver-Investor millionaires don’t seem rich at first glance.

  • I found that almost exactly half of the millionaires I spoke with followed the same path to wealth: They lived below their means, saved consistently, invested those savings, and gave them time to grow. I call it the Saver-Investor path.
  • You’d never guess most of these people were rich. They grew up in average families, they didn’t have advanced degrees from elite universities, they didn’t inherit money, and they didn’t own luxurious homes and flashy cars.
  • Visit Business Insider’s homepage for more stories.

In my Rich Habits research, I interviewed 233 wealthy individuals over five years (177 of whom were self-made millionaires) with at least $160,000 in annual gross income and $3.2 million in net assets.

Forty-nine percent of the millionaires highlighted in my various Rich Habits Study books got rich the same way: They followed what I’ve named the Saver-Investor Path.

These Saver-Investors were ordinary people who did not have any special advantages in life:

  • They didn’t grow up rich
  • They did not earn high salaries
  • They did not possess any unique or advanced set of skills
  • They did not have any special knowledge
  • They did not have advanced degrees or graduate from elite universities
  • They did not inherit money from their parents, grandparents, relatives or others
  • They did not own fancy things — their home, cars, clothes, and possessions were modest

The reason they did not seem wealthy is because they lived very modest lives. Their homes were ordinary. Cars – ordinary. Clothes, jewelry, furniture – ordinary. They sent their children to public schools. They were not members of country clubs, golf clubs, or even swim clubs. They did not go out to fancy restaurants, take exotic vacations, or collect art.

Saver-Investors do not advertise their wealth. You would never know they were rich by looking at them. They are your neighbors, family, friends, colleagues at work, assistant coaches, teachers, union workers, plumbers, electricians, construction workers, Accountants, government workers … the list goes on.

Everything about their lives screams, “I am not rich!

Yet, they are rich. They’re rich because they followed what I’ve found to be the easiest, guaranteed path to wealth: the Saver-Investor Path. It’s a path most anyone can follow — the only requirements are consistency, investments, and time.

  • You have to be saving consistently. The savings component requires living below your means and consistently saving 20% or more of your net, take-home pay.
  • You must invest your savings. The investing part means consistently investing what you save and doing so prudently. The prudent part involves doing your homework for each investment and then continuously monitoring your investments — but largely leaving them alone to let them grow. The Saver-Investors in my study invested in three places: retirement plans ( 401(k) plans, 403b plans, 457 plans, IRAs), equities (stocks, bonds, mutual funds), and real estate (rentals, triple net leases, REITs).
  • You have to give it time. It took the Saver-Investors in my Rich Habits Study about 32 years to accumulate an average of $3.3 million.

The key to pursuing the Saver-Investor path is living below your means. But in order to live below your means, you must create a standard of living in which your living costs are 80% or less than your net, take- home pay. This means making sacrifices. It might also mean working a second job or having a side business.

But ultimately, the Saver-Investor path is available to almost everyone.

Thomas C. Corley, CPA, CFP, is the author of ” Rich Habits: The Daily Success Habits of Wealthy Individuals,” and ” Rich Kids: How To Raise Our Kids To Be Happy And Successful In Life.” Follow him on Twitter @RICHHABITS.

Link to actual article here: I interviewed over 200 millionaires, and about half of them followed the same straightforward path to wealth https://www.businessinsider.com/how-millionaires-build-wealth-over-time-2019-8?utm_source=twitter&utm_medium=referral&utm_content=topbar&utm_term=desktop&referrer=twitter via @businessinsider

My mission is to share my unique research in order to help others realize their dreams and achieve their goals. If you find value in these articles, please share them with your inner circle and encourage them to Subscribe. Thank You!

There is a Light at the End of the Tunnel


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Does your work inspire you or is it drudgery?

If it’s drudgery, you’re in good company.

According to a 2012 survey conducted by “Big 4” accounting firm Deloitte, 80% of those surveyed did not like their jobs. In another survey conducted by Gallup in 2013, 63% of the 230,000 employees in the survey said they were unhappy with their jobs.

The vast majority do not like their job or do not like their boss. But they feel they have no choice – they need their job. They are what I call salary junkies and wage slaves – they work at a job they hate because they have no choice – they need the money.

A 2010 Gallup poll reported that there were 3.8 million small businesses with four or fewer employees – Dreamers who took a risk and pursued a dream in order to secure a better life for themselves and their families.

Many fantasize about doing something they love but only a few brave souls, less than 1%, actually quit their jobs outright to pursue a dream.

But, there is a better way to escape your slave-job. There is a light at the end of your tunnel.

In my Rich Habits study, 76% of the millionaires I interviewed were self-made millionaires – they came from poverty or the middle-class. About a third of these were individuals who started their business on the side, while working as an employee for someone or some company.

After a number of years of building their side business, they eventually were able to quit their slave-job to run their business full-time.

Millionaires understand the path to building wealth requires the creation of multiple streams of income – streams that you control.

Since it takes time to build an income stream, many do so while simultaneously working other pre-existing income streams. Sixty-five percent of the millionaires in my study did just that. Using this side hustle process, they were able to create three or more income streams – streams that they controlled.

Start building something on the side today. Passion is the key that unlocks the door to becoming a self-made millionaire. Experiment with different side hobbies or side businesses until you find something that you love and that makes your heart sing.

Building an income stream takes time, but if you stumble upon something you are passionate about, you will stick to it. Passion creates persistence.

And the persistent eventually get lucky.

My mission is to share my unique research in order to help others realize their dreams and achieve their goals. If you find value in these articles, please share them with your inner circle and encourage them to Subscribe. Thank You!

Successful People Ask Questions


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I am very close to someone who is a self-made millionaire. I always love our get-togethers because he has such an upbeat, inquisitive mind.

He’s confided in me several times that he is curious about everything. His curiosity, based on my extensive research of self-made millionaires, is one of the many reasons he is worth north or south of $20 million.

My friend and I have known each other for about thirty years. To this day, almost every time we get together, talk on the phone or exchange emails, he picks my brain and asks me questions. I always come away from our “get-togethers” feeling as if I am smart. After all, this very wealthy individual is picking my brain.

But, in reality, he’s the smart one. Asking questions allows my self-made millionaire-friend to efficiently acquire knowledge so that he can keep growing and improving.

Interestingly, the myth is that smart people don’t ask questions. Rather, they get asked questions.

So, the common misconception, perpetrated by this myth, is that if someone asks a lot of questions, they must need to because they’re not that smart or knowledgeable.

In reality, asking questions is a common success trait and an indication that you are smart.

Why is asking questions so important to success?

Questions lead to feedback. Getting feedback from your colleagues, supervisors, staff, clients, customers, business partners, or anyone, helps you grow and improve.

Continuous self-improvement was one of the hallmarks of the successful, wealthy individuals in my Rich Habits Study.

If you typically avoid asking questions and seeking feedback, you are letting fear control your life. Fear is a Poverty Emotion that holds you back from being successful and wealthy.

Thus, fear of feedback is a Poor Habit and seeking Feedback is a Rich Habit.

Lastly, you can save a lot of time in learning new information by asking questions. Why read a book when all you have to do is pick the brain of someone who already read the book? Asking questions is the efficient way to learn.

My mission is to share my unique research in order to help others realize their dreams and achieve their goals. If you find value in these articles, please share them with your inner circle and encourage them to Subscribe. Thank You!

Lying is a Habit


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There are a number of reasons why people lie:

  1. Fear – They fear conflict/confrontation, they fear repercussions/punishment, they fear losing something valuable, they fear hurting/damaging someone inside their inner circle.
  2. Insecurity – They have fragile egos and use lying to inflate the perception others have of them. They also use lying to exaggerate.
  3. Selfishness – They lie in order to get something or gain some advantage.
  4. Poor Behavior – They lie to rationalize or conceal poor behavior and the potential embarrassment of that poor behavior.
  5. Harm Others – They are vindictive and lie to hurt someone else.
  6. Manipulate Others – They lie in order to manipulate or control others.
  7. Habit – They lie out of habit.

Lying is predominantly driven by negativity.

Those who possess an upbeat, optimistic, positive mental outlook do not lie. Truth and Positivity are joined at the hip.

In my Rich Habits Study, 85% of the self-made millionaires in my study said that telling the truth was one of many factors that contributed to their success.

Telling the truth, therefore, is a prerequisite for success. Likewise, lying is a prerequisite for failure or mediocrity.

Lying destroys relationships and results in a loss of trust among those you do business with.

If you don’t stop lying in its tracks, it will eventually become a habit, putting you on autopilot for failure or mediocrity.

My mission is to share my unique research in order to help others realize their dreams and achieve their goals. If you find value in these articles, please share them with your inner circle and encourage them to Subscribe. Thank You!

9 Facts About Wealth


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My latest media piece – courtesy Business Insider

Who says you need to be an actor, musician, professional athlete, or high-powered executive to be rich?

The truth is you don’t need a fancy title, special talent, or face for TV to become wealthy. It’s ultimately about cultivating and maintaining good habits.

Thomas C. Corley, a certified public accountant and certified financial planner, spent five years studying millionaires and gathered his insights in “Rich Habits: The Daily Success Habits of Wealthy Individuals.”

Corley interviewed 233 people with at least $160,000 in annual gross income and $3.2 million in net assets, 177 of whom were self-made. He uncovered dozens of facts about rich people and their daily habits.

Here are some of the most interesting facts from Corley’s research that will help you think differently about building wealth.

You’re wealthy when passive income equals or exceeds living expenses.

Corley said he believes that the benchmark for being considered “wealthy” is when a person generates enough passive income to cover their expenses.

In other words, they don’t need to earn a consistent paycheck from a job to live comfortably.

Someone whose lifestyle costs $150,000 to $160,000 a year would need investments totaling about $3.2 million, he said. Those who live on much less — say, $50,000 to $60,000 a year — would need $1.2 million invested to generate their annual income.

“The key to being wealthy, therefore, is standard-of-living costs that are less than your passive income,” he said. “Your standard of living can make you wealthy — or not.”

Self-made millionaires live relatively modest lives.

Self-made wealthy people don’t always have the fanciest car, house, or jewelry. In fact, it’s rare, Corley said.

Eighty-three percent of the self-made millionaires in his study lived in a modest house, purchased good used cars, ate most meals at home, and bought cheap clothes. They also overwhelmingly avoided spontaneous and emotional purchases.

“Never buy anything on impulse. It is almost always the wrong thing to do,” Corley said. “That spontaneous or emotional purchase will lose its luster after only a few weeks. Then you’re stuck with something you don’t need and that does not generate any income.”

Financially successful people know when to say no.

Millionaires are selective about the tasks they take on and the opportunities they accept, Corley said.

Importantly, they’ve grown comfortable saying no to things that don’t support their progress, and yes only to things that align with their dreams and goals.

The easiest way to wealth is saving and investing.

Corley found that one of the most common paths to wealth was also the most widely available to people. Almost half of the millionaires he studied took “the saver-investor path.”

These people didn’t grow up rich, have high salaries, graduate from elite universities, inherit money, or possess unique skills — they saved diligently, invested prudently, and waited.

“You would never know they were rich by looking at them,” Corley said. “They are your neighbors, family, friends, colleagues at work, assistant coaches, teachers, union workers, plumbers, electricians, construction workers, accountants, government workers … the list goes on.”

Scheduling time to think is a top habit of rich people.

Self-made millionaires are dedicated thinkers, Corley found. In most cases, he said, “it’s the key to their success.”

The rich tend to think in isolation, in the mornings, and for at least 15 minutes every day.

Corley said they ask questions such as “What can I do to make more money?” “Does my job make me happy?” “Am I exercising enough?” and “What other charities can I get involved in?”

Rich people seek out friends who are encouraging, optimistic, and constructive.

Interpersonal relationships have an outsize effect on our ability to achieve success.

Corley said the millionaires he studied tended to seek out and surround themselves with people who possess qualities like optimism, confidence, humility, emotional stability, patience, authenticity, and mindfulness.

They also provide constructive criticism and focus on adding value to the lives of those around them, not just themselves.

On the other hand, people who become rich avoid “poverty by association.”

As humans, we tend to behave like the people we surround ourselves with. Whether it’s neighbors, family, coaches, or friends, Corley said, we often adopt their money habits, regardless of whether we intend to or not.

“One of the hallmarks of the self-made millionaires in my study was the conscious effort they made to associate with like-minded individuals,” Corley said. “If a close relationship was a spendthrift, they limited how much time they spent with those individuals.”

Only 1% of self-made millionaires got rich before age 40.

Wealth doesn’t materialize overnight for most financially successful people.

Corley said that only 1% of the self-made millionaires he studied got rich before 40. For the other 99%, it took at least 18 years of practicing good habits to get there.

“Success, for the vast majority of the self-made millionaires in my study, was about doing the little things every day that helped build momentum in their lives,” Corley said. “This momentum kept them moving forward, growing in knowledge and skill.”

The vast majority of millionaires inherited crucial habits from their parents.

Many millionaires learned their most fundamental rich habits from their parents, Corley found, giving them an advantage on their path to wealth.

For example, over 95% said they were taught to take responsibility for their actions, respect the law and other people’s property, work hard for what they want, and improve themselves daily. Importantly, their parents taught them that acquiring wealth is a good thing, not evil or greedy.

Here’s a link to the actual article: 9 facts that will make you think differently about wealth, from a man who interviewed over 200 millionaires https://www.businessinsider.com/facts-about-millionaires-how-they-got-rich?utm_source=twitter&utm_medium=referral&utm_content=topbar&utm_term=desktop&referrer=twitter via @businessinsider

My mission is to share my unique research in order to help others realize their dreams and achieve their goals. If you find value in these articles, please share them with your inner circle and encourage them to Subscribe. Thank You!

Poverty is a Very Profitable Business


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Many financial institutions, ones with strong ties to the media, politicians, businesses and influencers, depend on the existence of poverty. In fact, poverty income is one of their most profitable income streams.

Think I’m crazy?

Let me explain. There is Dark Money out there funding a two-tiered banking system. The first tier you’re very familiar with – they are the well-heeled banks that blanket metropolitan areas and their outlying suburbs. JP Morgan, Citibank, Bank of America and so on. You won’t, however, find many of their branches doing business in the inner cities of America.

The second tier “banks” would likely be unfamiliar to you. That is, unless you happen to live one of America’s inner cities. Major, blue chip financial institutions fund and partner with these second tier financial institutions in an effort to fleece the poor of what little money they have.

ACE Cash Express’s is one of the largest check-cashing companies in America. It was established in 1968. Check Cashing Outlets pepper the inner cities, where the poor live. Their primary service is cashing checks, at a fee that ranges from 1- 3% of the amount of the check. They also offer “Payday Loans” – typically, a customer writes a check for say $240 and receives $200 in cash. That’s an annual interest rate of approximately 520%.

Guess who helped propel ACE’s impressive expansion? American Express.

Cash America is a publicly traded pawnshop company. You won’t find any of their outlets on Main Street, USA. But you will find them in the inner cities, where the poor live. The primary service pawnshops offer is a loan collateralized by property given to the pawnshop in exchange for the loan. The pawnshop will lend about 25-30% of the value of the property and hold on to the property until the loan is paid back. About 30% of customers default on their Pawn Loans. The pawnshop then sells the property for full value.

Guess who helped fund Cash America’s expansion back in 1984? Bank of America.

Guess who Cash America purchased in 1999? ACE Cash Express.

Most poor people are not ignorant fools being used by the second-tier financial institutions. Most are well aware they are being fleeced. They are just desperate and desperate people do what they have to do to survive.

These second-tier financial institutions exist in order to profit from that desperation.

Many of these blue chip financial institutions who fund these second-tier financial institutions are in bed with politicians and the media. Their political and media lackeys are only too happy to do what they can to keep the poor, poor.

The politicians pass legislation that only serves to promote poverty by keeping the poor dependent on government assistance, imperpetuity.

The major media plays the flute, writing articles that supports these politicians and their policies and they write articles lambasting anyone critical of these same politicians and their pro-poverty policies.

These are the same dark forces driving the very loud, big government, quasi-socialist agenda in America today. They want vassals, hopelessly dependent on their largess. They most definitely don’t want you to save. They don’t want you to live below your means.

What they do want is for you to embrace the consumerist agenda – to live beyond your means. They want you to spend all of your money, to use credit cards and to go into debt.

Over the years, I have been using my bully pulpit, my Rich Habits Poor Habits research, blog and my many books to try to wake poor people up. My message is simple – you can escape poverty if you change what you are doing.

You must abandon the belief that government is going to help. They won’t. It’s not in their best interest to reduce or eliminate poverty. Government needs poverty like fish need water. And so do the interests they serve.

Only you can lift yourself up. You must become the architect of your life. You just need to know what to do and what not to do. Knowledge will set you free.

My mission is to share my unique research in order to help others realize their dreams and achieve their goals. If you find value in these articles, please share them with your inner circle and encourage them to Subscribe. Thank You!

The Poser Mindset


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Almost every day I take the same route to work at the same time. And, every day, for the most part, I see the same cars.

Most are your run of the mill average-priced non-luxury cars. But, a good percentage of them are luxury cars. Probably north of 10% of the cars I see during my commute are luxury cars.

There’s this one luxury car, a Mercedes Benz GLE SUV, that I see frequently. The price range on this car is between $50,000 – $70,000. A pretty expensive car.

About six months ago, I noticed the driver had used clear boxing tape in order to keep the rear left light section from falling off. I see this makeshift tape repair job almost every day during my commute to work.

I have a few auto repair and auto body clients in my CPA business. So, I asked them what it might cost to repair something like this. The repair bill is not over the top – something in the range of $250 for the run of the mill car. However, because it’s a Mercedes, the repair bill would be somewhat higher, probably around $350.

So, why doesn’t the driver just bring it to the repair shop and get it fixed? I mean, if you’re driving such a beautiful high-end luxury car, wouldn’t you want to keep it looking beautiful?

According to my auto repair and auto body clients, the #1 reason people put off repairs is because they cannot afford it.

There are posers out there – people just getting by, posing as a rich people. They want others to perceive them as rich and successful, so they buy expensive watches, expensive clothes, expensive shoes, expensive houses and expensive cars.

Many of the wealthy in my Rich Habits Study did not own luxury cars, or luxury homes, own luxury watches, etc. The uber-rich in my study did, but they are a different breed of wealthy. The uber-rich buy their luxury items with the passive income generated from the assets they own.

There are very few uber-rich out there. Less than 1% of the population is uber-rich.

There are, however, far more luxury cars on the streets then there are uber-rich people who can afford them.

Clearly, people who are not uber-rich are the ones buying many of these luxury cars.

Posers are people pretending to be rich. They live paycheck to paycheck. They struggle financially. They are deep in debt. Their lives are a financial mess.

So, the next time you see someone driving an expensive car, don’t automatically envy them. In all likelihood, they are posers.

They should not be envied. They should be pitied.

My mission is to share my unique research in order to help others realize their dreams and achieve their goals. If you find value in these articles, please share them with your inner circle and encourage them to Subscribe. Thank You!



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When you give 100%, you are seeking to meet the expectations of others.

When you consistently meet expectations, you keep those you do business with or interact with satisfied. They will be unlikely to leave you for someone else.

When you give 110%, you are exceeding the expectations of others.

Example: Your old newspaper delivery boy/girl dropped your newspaper off on your driveway. But your new delivery boy/girl drops your newspaper off at your front door.

How do you think you would you feel?

When you consistently exceed the expectations of others, you Wow them. Not only will they continue to do business or interact with you, they will tell others about you.

When you give 110%, you become a story that must be told.

The key to giving 110% is to establish an expectations baseline at the beginning of every interaction. This baseline represents the most likely, realistic, agreed-upon outcome – one everyone is satisfied with.

By creating an expectations baseline at the beginning, you shrewdly tee yourself up to Wow others when you exceed those expectations.

Consistently exceeding expectations, boosts trust and confidence others have in you.

This is why giving 110% is a Rich Habit.

My mission is to share my unique research in order to help others realize their dreams and achieve their goals. If you find value in these articles, please share them with your inner circle and encourage them to Subscribe. Thank You!

Is Your Spouse Holding You Back From Living the Life of Your Dreams?


Tom Corley boats - cropI get many emails on the role spouses play in achieving success. This is a difficult topic to cover, but I feel, nonetheless, it’s a topic that must be addressed.

In my research, 88% of my self-made millionaires said that they were happy in their marriage. Conversely, 53% of the poor indicated that they were unhappy in their marriage.

One of the more critical success variables in my study was finding a spouse who was truly a partner in the pursuit of a successful life.

Spouses who are true partners in the pursuit of success, will share many things in common:

  • Similar Beliefs
  • Similar Attitude Towards Family
  • Similar Dreams or Aspirations
  • Similar Desires or Wants
  • Common Clarity or Vision of Your Future Life
  • Similar Positive Mental Outlook
  • Common Hard Work Ethic
  • Shared Expectations for Your Future Life
  • Similar Attitude Towards Honesty or Integrity
  • Humility
  • Similar Attitude About the Importance of Education
  • Similar Attitude About Trust and Fidelity
  • Shared Passion for Recreational Activities
  • Shared Interests
  • Common Morals
  • Shared Financial Goals
  • Shared Family Goals
  • Shared Lifestyle/Standard of Living Goals
  • Similar Risk Tolerance

Success, wealth, good health and happiness are virtually impossible when the values, habits, mindset, temperament and beliefs are not in complete alignment within a marriage. Finding a spouse who shares these important fundamentals, is, therefore critical to creating a dream life.

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