How the Rich Create Their Dream Life by Converting Goals Into Daily Habits

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Most who pursue goals never achieve them. According to a University of Scranton study, only 8% achieve their goals. Why? Because in order to achieve your goals you must first change your habits. And habits are not easy things to change.

Old school habit change requires the expenditure of willpower. The brain hates it when you use willpower. Willpower is the conscious exertion of self-control. Your consciousness resides in your neocortex (aka new brain or upper brain). The new brain has only been around for a few hundred thousand years and is not as efficient as the old brain (limbic system and brain stem), which has been evolving over millions of years. Willpower saps the brain of brain fuel (glucose and oxygen). After thirty minutes of sucking up precious brain fuel, the brain starts fighting back by lowering Dopamine levels (the happiness neurotransmitter) to make you unhappy while engaging in the habit. It’s hoping that by making you miserable, you’ll stop engaging in the new habit. And 92% of the time, it works, which is why we fail in achieving goals.

But what if there was a way to create sticky habits around your goals? This would put you on autopilot for successfully achieving your goals. This would also make goal achievement an effortless, unconscious process. In order to do that, you need to tap into your old brain, specifically the emotion center of the old brain. When you tap into the emotional center of your old brain, you no longer rely on willpower to forge habits. Those who rise from poverty or the middle-class, have figured out how to do just that. From my Rich Habits research I uncovered the process self-made millionaire use to convert their goals into daily habits that tap into the emotional part of the brain and transform their daily habits into sticky habits, immediately. [Read more…]

Are You Raising Your Children to be Rich or Poor? Take This Test to Find Out

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Do you have any idea if you are raising your children to be successful in life or raising them to be mired in financial struggles for their entire lives? According to a Brown University study in which nearly 50,000 families were surveyed, kids pick up most of their habits in life by the age of 9. Parents, by far, have the most impact over the habits their children will take with them into their adult lives. Parents can unknowingly set their kids up to fail in life by virtue of the habits their children pick up from them.

Most parents are completely unaware of the influence they have over the habits they are teaching their kids. But you’re not most parents. That’s one of the reasons you’re reading this. I came up with a test that incorporates the top 40 habits that will ensure your children live a life of success, happiness and good health. I call it the Rich Habits Test For Parents. It’s a fun test and it will open your eyes. Just click the link below. Good luck and let me know how you do.


Are You on the Path Towards Prosperity or Poverty? Take This Test to Find Out

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Do you have any idea if you are on the path towards success or will you be mired in financial struggles your entire life? Most people have no idea. But you’re not most people. That’s one of the reasons you read this blog. I came up with a test that incorporates the top 50 habits that have the most impact over the financial circumstances of your life. I call it the Rich Habits Test. It’s a fun test and it will open your eyes. FYI, I took this test and scored a 31 the first time. I took it a second time, because I didn’t feel I was being brutally honest, and I scored a 24. Even I have some work to do. Just click the link below. Good luck and let me know how you do.




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As I learned from my Rich Habits Study, building a wealthy, healthy and happy life is just a process. The process begins with a vision of the ideal future life you desire. That future life is actually a collage of a series of realized dreams that make your ideal life a reality. Think of each dream as a picture of those things you want in your life. These are very personal things. And they need to be very personal things. As Steve Jobs said in the 2005 Stanford commencement address: “Your time is limited, so don’t waste it living some Else’s life.”

In other words, don’t put your ladder on someone else’s wall. Pursue your own dreams. Not those of your parents, teachers or some other significant influence in your life.
In order to make that ideal life a reality, you need to follow a process:
1. Define each specific dream that is part of your collage of your ideal life.
2. Build individual goals around each dream. In order to realize a given dream, it may, for example, require that you accomplish numerous goals.
3. The final step requires that you forge daily habits (goal habits) that, when accomplished each day, brings you closer to achieving each individual goal.

Building new daily habits isn’t difficult if you know what to do. It simply takes time and persistence. Consistency is the key. There is an easy trick that you can use in order to forge new goal habits to help you accomplish the goals behind the dreams that make up your ideal life. This habit shortcut virtually guarantees they stick. It’s called the 20 Minute Rule. The 20 Minute Rule involves a simple three-step process. Here’s how it works:
1. Define any new goal habit you wish to adopt.
2. Devote 20 minutes a day to that new goal habit.
3. Repeat that daily goal habit for a minimum of 30 days.

The new goal habit could be:
• 20 minutes a day of reading to expand your knowledge in a particular area that you need to become more proficient in, in order accomplish an individual goal (i.e. getting some license or certification).
• 20 minutes a day of networking to develop relationships with other successful individuals doing what you want to do. These relationships will open the door to opportunities that will help you accomplish your goals and realize your dreams.
• 20 minutes of listening to a podcast related to one or more of your goals. This provides knowledge and insight you didn’t have before.
• 20 minutes of watching a TED video in an area you need to become more knowledgeable in, in order for you to realize your individual goals.
• 20 minutes of developing a side-business you hope to one day devote yourself to full-time.
• 20 minutes single-mindedly focused on achieving one singular goal. Once you accomplish the goal you can then apply this 20 minute rule to the next goal.
• 20 minutes of jogging, if an active, healthy life is part of your ideal future life vision.
• 20 minutes of lifting weights, if having strong muscles is part of your ideal future life vision.
• 20 minutes of developing a new skill, if this new skill is needed in order to give you the skill set to even begin pursuing a goal.
• 20 minutes of thinking positive thoughts. Positivity is a common characteristic of all successful people. A positive mindset keeps you optimistic, motivated and focused on overcoming obstacles rather than being stopped by them.
• 20 minutes of helping your spouse with home chores (laundry, dish washer, make the bed, clean the house, etc.), if a happy home life is part of your future ideal life.
• 20 minutes engaged in some hobby that you are passionate about and would like to eventually transform into a money making business.
• 20 minutes of doing home-improvement projects, if your ideal future life includes remodeling your home.

Thirty days gets your brain cells talking to one another, forming a synapse. Once the synapse is formed, the tracks are laid for habit formation to occur. Over time, it becomes easier and easier to engage in the habit. At some point, between 66 – 256 days, according to the latest science on habits change, the habit becomes an automatic, unconscious behavior. The brain loves habits. Habits conserve brain fuel and save the brain from work. But it does take repetition and time in order to get brain cells talking to each other. Thirty days gets the conversation going inside the brain.

Once the new goal habit sticks, then you can move on to the next new goal habit, following the same three-step process. In the course of a year it is possible to add three or more new goal habits using this three-step process. In a few years you will have created dozens of new habits and your life will begin to improve as you accomplish one goal after another and realize one dream after another.

Adopting good habits are like snowflakes on the mountainside. You hardly notice the cumulative positive effects these habits have on your life on a daily basis. But over time these habits create an avalanche of success event. When success hits, it appears to the untrained observer as if that person became an overnight success. Of course, what the untrained observer does not realize is the fact that that success was the byproduct of years and years of doing certain things every day that created the avalanche of success event.

Define your ideal, future life today and start yourself on the path to wealth, health and happiness. Start by adopting just one new goal habit. Stick with it for 30 days. Baby steps. That’s the secret to a perfect life!


What is at the Heart of Hope?

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I don’t very often do this but one of my readers wrote an article that I thought was very insightful and, so, I’ve agreed to post their article to my blog.


Hope by definition is an optimistic attitude of mind based on an expectation of positive outcomes related to events and circumstances in one’s life or the world at large.

How Long Does One Stay Hopeful as an Actor? [Read more…]

Are You on the Path to Financial Ruin? 4 Financial Ticking Bombs and How to Diffuse Them

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Unlike the wealthy, most have little to no safety net to weather events in life that could take the legs out from underneath you, sending you spiraling into financial ruin. In my Rich Habits research, I studied the habits of 128 individuals living in poverty. Some of those poor individuals were driven into poverty unnecessarily due to certain life events that they were completely unprepared for. Life sometimes has a way of throwing us into the abyss. Below are four of the most common life catastrophes and the strategies I uncovered in my research that act like a ladder, helping you climb out of your abyss, in tact financially. [Read more…]

How to Make New Year’s Resolutions Stick

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According to a University of Scranton New Year’s resolutions study published in the Journal of Clinical Psychology in 2014, just 8% of those who set New Year’s resolutions stick to them. New Year’s resolutions are nothing more than habit change. Why is habit change so hard? [Read more…]

Choose Purpose Over Prosperity


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It’s not easy deciding what to do for a living. Parents and teachers do their best in steering young adults into jobs, careers or professions that offer the best compensation. This makes it possible for young adults to provide for themselves and, eventually, their own families.

Sounds like the right thing to do, but for most, it’s a recipe for disaster. When you choose a job, career or profession based solely on current of future compensation, you are choosing prosperity over purpose. At some point during your life it becomes evident that you do not like what you do for a living. That revelation typically manifests itself when you have young children, a mortgage, car loans and other bills to pay. Its hard to make a career change with adult responsibilities.

The correct approach is to choose purpose over prosperity. Doing something you love involves pursuing something that taps into your inner talents. We all have unique talents. The job of parents and teachers, instead, should be to inundate kids with a multitude of activities that expose their inner talents. This is the only way kids will find that thing they love to do. And when kids engage in activities that expose their inner talents, only then will they find their purpose in life.

Finding your purpose in life means you will never have to face the revelation that you do not like what you do for a living. When you pursue your purpose in life, the money eventually finds you. Always choose purpose over prosperity. It’s the only true path to success and happiness.

Writer’s Digest Announces 2015 Award Winner for Best Inspirational Book

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Rich Kids – How to Raise Our Children to be Happy and Successful in Life has received the prestigious Writer’s Digest Self-Published Book Award in the How-To/Inspirational category. Writer’s Digest is the industry trade magazine for writers and is considered the bible among professional writers. It is, therefore, among the most prestigious book awards an author can receive in the book publishing industry. Below is the official announcement from Writer’s Digest: [Read more…]

Poverty by Association

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Financial success takes a long time. In my Rich Habits Study it took the average self-made millionaire 32 years to become “rich”. When I began my study I wanted to know the answer to one question: why are some people rich and other people poor? Five years, and 51,984 questions later I learned the answer – your daily habits. Habits dictate your circumstances in life. This is a truly groundbreaking discovery. Habits affect just about every aspect of your life. And there are many shades of habits. We have money habits, eating habits, drinking habits, exercise habits, sleeping habits, downtime habits, work-time habits, reading habits, relationship habits, happiness habits and thinking habits. We have morning habits, afternoon habits and nighttime habits. According to a 2006 Duke study, [Read more…]