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.

Step #1 – Focus on the Big Picture

Converting goals into habits is a process that requires you to first create a vision of your ideal future life. Inside this vision are things called dreams. Your ideal, future life is really nothing more than the realization of all of your dreams. Think of your vision as something similar to a blueprint for building a house. And think of the dreams as the components of that house, from the basement to the roof.  Think of goals as the construction crew that goes to work making each dream come true. Just like each component to a house requires that you accomplish multiple things, such as putting down a floor, putting up walls or wiring for electricity, each dream requires that you complete multiple tasks. Each of these tasks is what we call a goal. When all of the goals are achieved, dream realized. When all of your dreams are realized, you have your ideal future life. So how does this vision thing work?  Write a script of your ideal future life. The script should be no more than 1,000 words and it should cover the following areas of your life:

  • Your soul mate
  • Your ideal career
  • Your perfect health
  • Your dream home
  • Things you want to do and
  • Stuff you want to own.

You can customize your script to include more than what I’ve listed above, but this will give you a foundation, at least, to build your script around. When you define each one of these areas of your life, you are actually defining each one of your dreams. Example: my ideal career is to become a successful author. So, one of my dreams is to become a successful author. Another example: my ideal home is a house down the Jersey shore. So, I found another one of my dreams, a Jersey shore house. Once you have identified each one of your dreams, that’s when the fun begins. Now we start to build goals around each dream.

Step #2 – Focus on the Details

In order to realize each one of your dreams you must define the goals you will need to achieve for each dream. Defining each one of your goals requires that you become very specific about what physical activities you need to engage in, in order for that goal to be realized. Each dream may require the accomplishment of numerous goals. Example: my dream is to become a successful author. In order to become a successful author I need to achieve each one of these goals:

  • Write a book that people will want to read
  • Promote my book to the media and everyone on planet earth
  • Do speaking engagements at libraries, schools, business groups, etc. talking about my book
  • Write every day because practice makes perfect.

Once you have defined your goals, now you want to build daily habits around each goal.

Step #3 – Create Daily Habits Around Each Goal

Each of your goals will require that you create certain daily habits that will get you closer each day to accomplishing your goal. Example: the first goal above was to write a book that people will want to read. What daily habits will you need to engage in?

  • I need to create an outline for the book I want to write. I will work on this outline 20 minutes every day until I have an outline I am satisfied with
  • I will need to write 1,000 words every day until I complete each chapter and have a draft of a manuscript
  • I will work with a professional editor every day for two weeks to edit my draft manuscript
  • I will solicit 5 traditional publishers every day until I find a publisher who will publish my book
  • If I am unable to find a traditional publisher who will publish my book I will find a self-publisher to help me publish the book. I will research 1 self-publisher every day until I find one that I am satisfied in.

In the last bullet point is something called a pivot. When you pursue goals, oftentimes life will not cooperate. When insurmountable obstacles get in the way, that is the time to pivot. This will require that you change your goal habits in order to get around the obstacle that is in your way. Trust me on this, when you are pursuing any dream you will have to pivot often. It’s just part of the process.

Once you accomplish your first goal, you move on to your second goal, creating goal habits around that second goal. You keep at this process until you have achieved all of the goals for that dream. Then you move on to the next dream and repeat the process over and over again until you realize all of your dreams. When you are done realizing all of your dreams, you will have the life of your dreams.



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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,, India TV, 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,,, and the Huffington Post. Tom is a frequent contributor to Business Insider,, 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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