Are you The Pilot of Your Life or Just a Passenger? | Rich Habits Poor Habits Podcast

There is plenty of evidence that what we find most stressful as humans is uncertainty, not change in itself.

Why do some people seem to sail gently through all the changes life throws at them, while others get upset if they have to change even their breakfast cereal? The key is in how you view change, and your level of acceptance, uncertainty and resilience.

In Tom Corley’s five-year Rich Habits study of 233 rich people and 128 poor people he discovered that we adopt the beliefs of our parents, family, mentors, culture, and environment.

There are two opposing schools of thought that divide mankind.

  • School of Thought #1: Self-Determination Drives Life Circumstances
  • School of Thought #2: Predetermination Drives Life Circumstances

Those who subscribe to School of Thought #1:

  • Believe we are in control of our life circumstances.
  • There is no one out there, no higher power, watching over us, guiding us.
  • Those in this school believe success, wealth, failure and poverty are manufactured.
  • We turn left or right, decide A or B, or do X or Y as a matter of free will, instinct or internal guidance.
  • In other words, the circumstances of our lives are dictated by our own decisions, our own behaviors and the choices that we make.
  • We, in effect, create our own destiny.

Those who subscribe to School of Thought #2:

  • Believe we are not in control of our life circumstances.
  • Some higher power is watching over us, determining the circumstances of our lives.
  • Those in this school believe success, wealth, failure and poverty are outside our control.
  • We turn left or right, decide A or B, or do X or Y because some force of nature acts upon us, directing us in every aspect of our lives.

In other words, the circumstances of our lives are not determined by us, but by external factors we cannot possibly control.

We, in effect, are powerless over the course of our lives.

When you subscribe to School of Thought #1 you embrace the concept that you are in control of your destiny; that you have power over the course of your life.

As a result, you develop a mindset of self-reliance.

Through hard work and personal initiative, you seek to create the life you desire.

You pursue lifelong self-education, take calculated risks, seek feedback from others and carefully weigh every decision you make.

You search for mentors to help you forge good habits that put you on the right path.

When you subscribe to School of Thought #2 you embrace the concept that your destiny is predetermined; that you are powerless over the course of your life.

As a result, you feel you are not in control of your life.

You are a mere victim of the luck of the draw.

Because you feel you are not in control of your life, you do very little to affect the circumstances of your life.

You float along in life like a leaf on a fall day, carried by the wind.

Which are you

Something to think about.

Links and Resources:

Michael Yardney

Metropole

Rich Habits Poor Habits

Tom Corley

Some of our favourite quotes from the show:

“You have a future waiting for you and the future is determined by your habits, the way you think, therefore the actions you take, and therefore the results that you’re going to get.” – Michael Yardney

“We are where we are today in all areas of our life, whether it’s financial, whether it’s relationships, whether it’s health, diet, because of all the decisions we’ve chosen to make, and the decisions we’ve chosen not to make.” – Michael Yardney

“The question is, are you an actor in this story that’s in your mind, or are you the storyteller whose actually got the right to be able to change the story?” – Michael Yardney

PLEASE LEAVE US A REVIEW

Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes – it’s your way of passing the message forward to others and saying thank you to me. Here’s how.

Are You Good Enough To Succeed? | Rich Habits Poor Habits Podcast

Have you ever felt that you’re not good enough? Have you wondered why you’re not appreciated or valued for who you really are?

This happens to everyone, even successful business people and entrepreneurs.

But why would wealthy and successful people feel they aren’t good enough?

Something called imposter syndrome can make you feel as if you’re not good enough.

Imposter syndrome causes feelings of inadequacy and self-doubt even in face of evidence to the contrary.

If you’re wondering whether you not you’re good enough, there are questions you can ask yourself to help figure out whether you have what it takes to be successful.

Questions to ask yourself

  • Do you have the skills and knowledge that you need to succeed? If you only have the bare minimum of skills and knowledge, you’ll only achieve the bare minimum of success. Seek out virtuoso skills and virtuoso knowledge.
  • Are you persistent? You’ll need to be in order to succeed. Persistence is not an inherent trait. The most persistent people are passionate about what they’re doing.
  • Do you have an unquenchable thirst for knowledge? Successful people spend a lot of time learning about the thing that they want to succeed at.
  • Are you a risk taker? Some people are too cautious, while others take too many risks. Successful people take risks, but they’re cautious and calculated risks.
  • Do you know what you want to achieve? Successful people know how to focus on the thing that they want to succeed at.
  • Do you have success habits? Whether or not you’re successful depends on whether you cultivate habits that lead to success.
  • Do you have the right team around you? You need experts around you to lead you in the right direction, and you need friends and family to support you. The right people will lift you up and the wrong people will drag you down.
  • Do you have a positive mental attitude? Optimism is a common trait among successful people.

 

Links and Resources:

Michael Yardney

Metropole

Rich Habits Poor Habits

Michael Yardney’s Mentorship Program

Some of our favourite quotes from the show:

“Many people believe that others, not themselves, others are the judge of whether they’re good enough.” –Michael Yardney

“I’ve worked with a lot of high-achieving people who didn’t feel worthy of their success.” –Michael Yardney

“Successful people seem to be continuously wanting to improve themselves.” –Michael Yardney

PLEASE LEAVE US A REVIEW

Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes – it’s your way of passing the message forward to others and saying thank you to me. Here’s how.

10 Critical habits the Wealthy Learned From Their Parents | Rich Habits Poor Habits Podcast

The wealth gap is widening around the world.

The rich get richer and the poor get left behind.

But why does this happen?

According to Tom Corley, the gap is really a parenting gap, not a wealth gap.

In today’s episode, we’ll discuss 10 critical habits that the self-made wealthy learned from their parents.

This will help you understand the lessons that you should be teaching your children to help them grow up to be successful.

And if you haven’t yet learned these lessons yourself, it’s not too late to do so.

10 critical habits the wealthy learn from their parents

  • You create your life. Your life is not determined by the government, other people or external circumstances. You are the pilot of your life.
  • Take responsibility when things go wrong. Don’t blame others or play the victim.
  • Respect the law. When you break the rules, people don’t trust you and don’t want to do business with you.
  • Seek your main purpose. Kids should experiment with different activities so that they can find and identify their true talents.
  • Pursue your dreams and goals. Define an ideal future life. This creates clarity and helps you see down the road and focus your attentions.
  • Acquiring wealth is a good thing. Wealthy people help fund charities, build hospitals and schools. They should be looked up to.
  • Work hard for what you want. You don’t have to be born wealthy to attain wealth, but you do need to be willing to work hard for it.
  • Respect other people’s property. You’re not entitled to something that another person has. Don’t expect others to give you anything.
  • Improve yourself daily. Parents of self-made wealthy people teach their kids to focus on growth and knowledge.
  • Use time productively. Don’t waste time on distractions. Use your time to learn and improve yourself. Make productivity a habit.

Links and Resources:

Michael Yardney

Metropole

Rich Habits Poor Habits

Michael Yardney’s Mentorship Program

Some of our favourite quotes from the show:

“We know that mentors, models are really important in life because we learn a lot of our habits, the things we do on a regular basis, from things we see, things we hear, things we experience as a child.” –Michael Yardney

“Clearly, when you make money doing what you love, it leads to a different sort of resilience, it lets you get through the difficult times because all businesses have their ups and downs and challenges. It leads you to your true calling in life. –Michael Yardney

“You don’t have to be born wealthy. Most successful people today, we’re not born that way.” –Michael Yardney

PLEASE LEAVE US A REVIEW

Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes – it’s your way of passing the message forward to others and saying thank you to me. Here’s how.

Who Makes Better Investors – Men or Women? | Rich Habits Poor Habits Podcast

Who make better property investors – women or men?

That’s the discussion I have today with Tom Corley in our monthly Rich Habits, Poor Habits Podcast

Up till now the answer may have depended on who you asked (or what gender they were) but neuroscientists have uncovered evidence suggesting that, when the pressure is on, women bring unique strengths to decision making and make less-risky decisions under high-stress situations.

According to the neurobiologist Ruud van den Bos, men under stress experience a huge spike in cortisol, which degrades their decision-making ability.

Women experience a smaller spike, which creates urgency but doesn’t impede decision-making.

Every pundit and analyst in the business world has repeatedly pointed out that today’s business world is continually getting more stressful.

The more stressful things get, the better that women (on average) will become at making decision than men (on average).

So, the conclusion I have come to is that when the going gets tough, she gets smarter and you get dumber.

And since disruptive innovation means the going is always getting tougher, if you’re not hiring and promoting women, you’re only proving how dumb you are.

But back to property investment… Who make better investors?

When it comes to property, men have a higher tendency to gamble and are more easily manipulated while women are usually more cautious, seeking low-risk and long-term sustainable capital growth.

Riskwise found that property marketers often use enticement by appealing to men’s visual senses.

For example, it’s common practice for female models to be hired to stand beside professional sales people at property expos.

A study of real estate agents who hired models in the past several years is revealing.

Typically, the models increased the traffic to their booth by 50 to 100 percent, with a similar increase in the rate of high-quality sales leads, many of which converted into transactions.

It was noted by these agents that even a short absence of the model resulted in an immediate and significant decrease in traffic to their booth.

And you know those so-called free educational seminars which are designed by real estate spruikers to sell off-the-plan, and often low performing, new properties?

Women are more likely to recognise that they are not the client at a free seminar and, in fact, the seminar organiser likely works for a property developer and has a contractual obligation to sell the properties for the highest possible price.

Men, on the other hand, are more likely to be swept up in the hype and believe they are the client, and that the organiser of the free seminar will truly act in their best interests.

Are women really better property investors than men? And if so, why?

RiskWise research shows women are more aware of risks and seek tools to manage it; men tend to ignore the risks.

Women’s interest in risk and mitigation strategies is 38 per cent higher than men. In fact, studies have shown men are overconfident and have a higher tendency to gamble.

Of course this is a concern in the property market, where high-risk ventures can have devastating consequences.

Are there differences in the money behaviours of men and women?

  • GAMBLING — Women gamble less than men. Not only do fewer women gamble, but for the women who do gamble, they gamble less frequently.
  • RISK TOLERANCE — Men have a higher risk tolerance than women.  This is a good thing and a bad thing. A low risk tolerance is a good thing when it comes to making big purchasing decisions. Women are more apt to study the details of a major purchase than men. The devil is always in the details. So, understanding the details can save you from making a big purchasing mistake.
  • READING — Women read more than men. That’s the good news. The bad news is that women read more for entertainment. Men, conversely, read more for learning and self-improvement.
  • COMMUNICATION — Women are better communicators than men. The average woman speaks 7,000 words a day compared to 2,000 for men. Good communication is a Rich Habit. Miscommunication damages relationships, businesses, negotiations and can lead to mistakes and failure.
  • CREATIVITY — Men are more creative than women. This is physiological. Men have a smaller corpus callosum. The corpus callosum is the bundle of neural nerve fibers that separates the right hemisphere of the brain from the left. Recent studies on creativity have shown that those with a smaller corpus callosum are hardwired for greater creativity.
  • ORGANISATIONAL SKILLS — Women have greater organisational skills than men. Because they pay more attention to details and are more cautious by nature, they tend to do more planning. This makes them better organised when it comes to facts then men.
  • SAVING MONEY — Women are better at saving money. They are more cautious with their money. They comparison shop to get the best deals. They look for discounts.

Links and Resources:

Michael Yardney

Metropole

Rich Habits Poor Habits

Michael Yardney’s Mentorship Program

Some of our favourite quotes from the show: 

“We can’t make the big jobs in government or business any less stressful, but we can ensure that when the pressure rises, there’s a better balance between taking big risks and making real progress.” Michael Yardney

“Gambling is a poor habit. It’s one of the habits that hold people back because they don’t recognize that it’s a tax for people who can’t do maths.” Michael Yardney

“They come to the party with different talents, different skills, but if they combine them, work well together, boy have they got unlimited opportunities.” Tom Corley

PLEASE LEAVE US A REVIEW

Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes – it’s your way of passing the message forward to others and saying thank you to me. Here’s how.

Is Your IQ Fixed or Can You Get Smarter? | Rich Habits Poor Habits Podcast

Want to become smarter? According to the latest research, you can.

Contrary to what was previously believed, your IQ is not fixed.

Most IQ tests attempt to measure two types of intelligence – crystallized and fluid.

  1. Crystallized intelligence relies on existing skills, knowledge and experience to solve problems by accessing information from long-term memory.
  2. Fluid intelligence, on the other hand, relies on the ability to understand relationships between various concepts to solve the problems.

It is independent of any previous knowledge, skills or experience and accesses information from short-term memory or “working memory”.

Researchers have concluded that this part of intelligence can be improved.

So how do you do this?

That’s what we’re going to discuss today.

When you engage in certain mental and physical activities, the size of your axons grows, the number of dendrites multiply and you increase the number of synapses inside your brain.

When your mental and physical activities are limited, your axons shrink, reducing the number of dendrites and synapses.

WHAT ACTIVITIES GROW AXONS, DENDRITES AND SYNAPSES?

  • Reading to learn
  • Auditory learning
  • Visual learning
  • Studying (Semantic Memory)
  • Learning a new language
  • Utilizing a new language through repetition or absorption in a new country
  • Traveling – exploring different parts of the world and different cultures (Episodic Memory)
  • Learning a new skill
  • Novelty
  • Daily exercise
  • Engaging in athletic activities
  • Practicing a skill, new or old, repetitively
  • Creative pursuits such as writing, painting, music, engineering, building design, invention, etc.
  • Increasing your communications with others (networking, volunteering, working, social interaction, etc.)

WHAT SHRINKS AXONS, DENDRITES AND SYNAPSES?

  • Absence of learning (no reading, no auditory learning and no visual learning)
  • Loss of skills due to inactivity
  • Isolation
  • Being Homebound
  • Being set in your ways – absence of novelty
  • Not exercising
  • No athletic activities
  • Watching TV (exceptions: TV shows that teach)
  • Reading Facebook, Twitter, Snapchat, etc. (exceptions: posts that teach)

If you forge daily habits that increase the size of your axons, number of dendrites and the synapses inside your brain, your IQ will grow.

Good habits, therefore, can grow your IQ throughout your entire life.

Conversely, bad habits can cause your IQ to decrease during your lifetime.

Links and Resources:

Michael Yardney

Rich Habits Poor Habits

Michael Yardney’s Mentorship Program

Some of our favourite quotes from the show:

“Interestingly, exercise is one of the actions that can increase how smart you are.” – Michael Yardney

“When you’re a spectator, your brain cells are not growing. In fact, they’re shrinking.” – Tom Corley

“The message today is your IQ is not fixed at birth, it’s not related to your genetics, in fact, your habits, what you do regularly can either help you become smarter or less intelligent.” – Michael Yardney

PLEASE LEAVE US A REVIEW

Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes – it’s your way of passing the message forward to others and saying thank you to me.  Here’s how.

Will Your Child be Rich or Poor and What You Can Do About It | Rich Habits Poor Habits Podcast

If you’re a parent or a grandparent or planning to become one, this show is for you.

I believe it’s our job to teach our children good money habits.

And even if you’re not planning to become a parent, Tom Corley and I will be discussing some important money lessons in this Rich Habits Poor habits podcast.

So let’s talk about children….

Science shows that by the age of nine we have learned most of our habits.

These habits come from our parents.

We mirror our parents thinking, habits, and emotions.

The beauty of rich habits is that you only need one or two of them to transform your life.

Habits like reading and exercising will change your future.

But emulating bad habits can force you into a situation where you have to eke out a living.

It gets even worse

Sadly, 74% of children raised in a poor household had grades below a B and 34% had grades below a C.

Why?

Wealthy, successful parents teach their children certain success habits that give their children an edge in life.

These Rich Habits, which give them this edge in life, begins to manifest itself in the classroom and continues into the workplace, where such children become working adults who receive higher pay, bigger raises and larger bonuses during their working career.

As a consequence, they accumulate more wealth in life.

Will your child be Rich or Poor?

Every student wants to be successful and thinks they will be successful, but none have been taught by their parents or their school system how to be financially successful in life.

Not only are there no courses on basic financial success principles but there are no structured courses teaching basic financial literacy.

We are raising our children to be financially illiterate and to fail in life.

We don’t have a wealth gap in this country we have a parent gap.

We don’t have income inequality, we have parent inequality.

Parents and our schools need to work together to instill good daily success habits.

They need to be teaching children specific Rich Habits that lead to success.

Examples of Rich Habits:

  • Limit TV, social media, video games and cell phone use to no more than one hour a day.
  • Require that children read one non-fiction book a week and write a one-page summary of what they learned for their parents to review.
  • Require children to aerobically exercise 20 – 30 minutes a day.
  • Limit junk food to no more than 300 calories a day.
  • Teach children to dream and to pursue their dreams. Have them write a script of their ideal, future life.
  • Require that children set monthly, annual and long-term goals.
  • Require working age children to work or volunteer at least ten hours a week.
  • Require that children save at least 25% of their earnings or the monetary gifts they receive.
  • Teach children the importance of calling family, friends, teachers, coaches, etc., on their birthday
  • Teach children the importance of calling family, friends, teachers, coaches, etc. when anything good or bad happens in their lives. Examples include births, deaths, awards, illnesses, etc.
  • Teach children to send thank you cards to individuals who helped them in any way. Reassure children that mistakes are good and not bad. Children need to understand that the very foundation of success is built upon the lessons we learn from our mistakes.
  • Discipline children when they lose their temper, so they understand the consequence of not controlling this very costly emotion. Anger is the costliest emotion. It gets people fired, divorced and destroys relationships.
  • Teach children that the pursuit of financial success is a good thing.
  • Children need to learn how to manage money. Open up a checking account or savings account for children and force them to use their savings to buy the things they want. This teaches children that they are not entitled to anything. It teaches them that they have to work for the things they want in life, like cell phones, computers, fashionable clothes, video games, etc.
  • Require children to participate in at least one non-sports-related extracurricular group at school or outside of school.
  • Parents and children need to set aside at least an hour a day to talk to one another. Not on Facebook, not on the cell phone, but face to face. The only quality time is quantity time.
  • Teach children how to manage their time. Teach them how to create a daily “to do” list. They can put their “to-do” list on their bedroom door, so parents can check it each day.

OBVIOUSLY, IT IS NOT POSSIBLE TO FOLLOW EVERY RICH HABIT RECOMMENDATION LISTED ABOVE

All it takes is one or two Rich Habits to completely transform a life.

The reading habit, on its own, can set your children up for career success.

The savings habit, on its own, can set your children up to be financially independent.

The exercise habit, on its own, can set your children up for a long, healthy life.

The happy birthday or life event calls, on their own, can set your children up to forge strong relationships.

Pick just two habits to teach you kids and stay on top of them for six months.

After six months the habits should stick.

Links and Resources:

Michael Yardney

Metropole

Rich Habits Poor Habits

Michael Yardney’s Mentorship Program

Some of our favourite quotes from the show:

“You can change your habits anytime throughout your life no matter what your age.” – Michael Yardney

“In my mind, the lottery, or gambling, is a tax for people who can’t do maths.” – Michael Yardney

“I believe it’s important to teach your children that it’s OK to dream, it’s OK to dream big, it’s OK to be successful, and allow them to set themselves goals and understand how to pursue them.” – Michael Yardney

Never miss an episode and keep up with all the good things going on at the Michael Yardney podcast by subscribing on iTunes.

You can also subscribe to MichaelYardneyPodcast.com to keep up with the latest information including bonus material that comes out between the podcasts.

Please leave us a review

Reviews are hugely important to me because they help new people discover this podcast.

If you enjoyed listening to this episode, please leave a review on iTunes – it’s your way of passing the message forward to others and saying thank you to me. Here’s how.

Why the 1% Will Always Control the Wealth | Rich Habits Poor Habits Podcast

Yes it’s true that 1% control around 82% of the wealth in the world?

And today we’re going to explain why.

I recently read that the world’s richest people have seen their share of the globe’s wealth increase significantly since the Global Financial Crisis.

In the mind of the article’s author there was something inherently unfair about this wealth inequality.

The author, like many who are not in the 1%, felt that the wealth the 1% created didn’t necessarily belong to them and offered government solutions to cap or redistribute the wealth of the rich.

The problem is… the top 1% will always control most of the wealth until the other 99% figure out how the 1% go about cultivating wealth.

So, how do the 1% cultivate wealth?

As you listen to this, the first of our monthly Rich Habits Poor Habit’s podcasts you’ll hear my discussion with Tom Corley who explains that the top 1% cultivate wealth by doing certain things:

  1. Read to Learn Every Day — 88% of the rich in my Rich Habits Study read 30 minutes or more every day to learn. Reading is work. But it’s work that is necessary if you want to become rich. Rich people read because they know that knowledge can be leveraged to gain wealth. The more you know about your field, career or industry, the more valuable you are to those you service or sell to in your field, career or industry.
  1. Deliberate Practice— 69% of the rich in my study practiced some specific skill for two or more hours every day. Deliberate practice requires conscious practice as opposed to unconscious practice. Conscious practice is practice in which you study everything you do that goes into the skill you have. It’s about studying the intricate details that enable you to become a virtuoso at what you do.
  1. Pursue Long-Term Goals or a Dream— 70% of the rich in my study pursued some long-term goal or some dream. This is what really drives the disparity between the 1% and the other 99%. Pursuing big goals or dreams creates the opportunity for good luck to happen. The majority of the 1% are beneficiaries of good luck – but good luck they put themselves in a position to receive.
  1. Focus on Daily Goals— 62% of the rich in my study focused on their daily goals.
  2. Save— 94% of the rich in my study saved 20% or more of their income every year.
  3. Be Frugal with Your Money— 67% of the rich in my study were frugal with their money. They spent their money thoughtfully, not emotionally. They buy the best made quality products at the cheapest prices. This requires study and patience and delayed gratification.
  1. Forge Rich Relationships— 68% of the rich in my study forged relationships with other upbeat, success-minded people. These are people who can open doors for you. They are individuals who are either trying to become the 1% or are the 1%. These 1% have powerful relationships with other 1% individuals. dream-clock-time-business-man-life-motivation-happy-dream
  1. Volunteer— 72% of the rich in my study volunteered 5 hours or more a month. Why volunteer? Most of the boards and committees in local non-profits are run by successful people within the community.
  1. 5 AM Club— 44% of the rich in my study woke up 3 or more hours before they began their work day to pursue dreams, goals, read, be productive, etc. Waking up early is important. It allows you to get things done first thing in the day that help move you forward in life.
  1. Become a Decision Maker at Work— 91% of the rich in my study were one of the decision makers where they worked. If you want to control the outcome of your life you need to be a decision-maker.
  1. Do Work You At Least Like— 86% of the rich in my study liked what they did for a living. When you like what you do, you will devote more time to doing it. More time in honing your skills. More time in reading to learn everything about your vocation. More time in building relationships with other success-minded people within your industry or field. More time devoted to improving yourself makes you more valuable.

Everyone wants to be on top of the mountain, but few are willing to make the climb.

The 1% control 82% of the wealth because the 1% are willing to climb the mountain.

If you want to be one of the 1%, you need to start climbing.

You need to do the things that cultivate wealth.

Links and Resources:

Michael Yardney

Metropole

Rich Habits Poor Habits

Tom Corley’s Rich Habits website

Michael Yardney’s Mentorship Program

Some of our favourite quotes from the show:

“One of the things the papers forget to mention is, if you’re listening to the podcast or reading their articles, you’re probably already in the top 1% in the world.”

“School’s not out when you leave school or leave college. You have to keep continuously educating yourself.” – Michael Yardney

“It’s often said that you’re like the five people you spend most of your time with.” – Michael Yardney

Never miss an episode and keep up with all the good things going on at the Michael Yardney podcast by subscribing on iTunes.

You can also subscribe to MichaelYardneyPodcast.com to keep up with the latest information including bonus material that comes out between the podcasts.

 

Rich Habits Poor Habits – Why The Rich Keep Getting Richer

 Michael Yardney & Tom Corley discuss the results of a 5 year study in why the rich keep getting richer.
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Rich Habits Poor Habits – Turning Goals Into Habits

Watch Michael Yardney and Tom Corley discuss the 5 year rich habits study and learn how the rich turn their goals into success habits.

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Rich Habits Poor Habits – The Power of Association

Michael Yardney and Tom Corley discuss a 5 year study which looks at one of the secrets of the rich – the power of association.

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