Limit Your Junk


Tom Corley boats - crop

We all do things we should not do. We all have Poor Habits. However, according to my research, having Poor Habits is not fatal to success and wealth accumulation so long as you limit, or moderate those Poor Habits.

If you have Poor Habits, the solution, therefore is to limit how often you engage in them. Let me give you some insight as to how wealthy, successful people limit their Poor Habits:

Junk Eating/Drinking

According to my Rich Habits research, the wealthy still ate junk food, however, they limited how much junk food they ate:

  • 70% of the wealthy ate less than 300 junk food calories a day.
  • 72% of the wealthy ate candy no more than two times a week.
  • 75% ate at fast food restaurants no more than twice a week.
  • 87% said they never drank alcohol to the point of intoxication.

Junk Reading

Junk reading includes reading for entertainment vs. reading to learn and educate yourself. Here’s some data I gathered regarding this Poor Habit:

  • Only 11% of the rich read for entertainment. The rest, 89% read to learn or educate themselves.
  • 58% of the rich read biographies of other successful people.
  • 51% read history.
  • 55% read self-help.
  • 45% read about finance or money-related topics.

Junk Time

Wasting time is a Poor Habit that the wealthy avoided like the plague. They made productive use of their time by pursuing dreams, pursuing the goals behind their dreams, working long hours, reading, exercising, volunteering for non-profits, coaching sports teams, teaching, going to school, playing competitive sports, listening to podcasts and other activities intended to help them forge relationships with other success-minded people.

Junk Relationships

To the rich, relationships are like gold. In fact, relationships are the currency of the wealthy. They forge power relationships with other successful or success-minded people – people who can open doors for them. They avoided toxic people, negative people, pessimistic people, people who gossip, people with financial problems, people who are untrustworthy, people who lie, cheat or steal.

Junk Words

The rich choose their words very carefully. They vet every thought before it comes out of their mouth. In Kareem Abdul-Jabbar’s book Coach Wooden and Me, Jabbar said he sometimes grew impatient with John Wooden, who would often take long moments to make a point because he was so particular about the words he used. Wooden’s devotion to choosing words carefully is something that was a common habit among the wealthy. The rich in my study made a habit of avoiding the use of words that were critical or words that would offend or demoralize others. Words can build up or tear down relationships. The rich understood this.

Junk Thinking/Junk Emotions

Psychologist Rick Hanson, senior fellow of The Greater Good Science Center of UC, Berkeley has studied something called negativity bias for years. He found that our brains are all hardwired for negativity. Negative thoughts constitute Junk Thinking. Negative thinking includes: pessimism, envy, jealousy, hatred, anger, sadness, worst-case scenario thinking, chronic worry, glass half empty thinking, doubt, ingratitude, victimization, sense of entitlement, hopelessness, blame and fault-seeking. The rich avoid negative thinking because they understand that negativity must be controlled. Otherwise, the roots begin to grow along with the negative thoughts. They embraced positive thinking, positive beliefs. In fact, 71% of the self-made millionaires in my study said that optimism was one of the most critical factors to their success. When it came to their emotions, the rich made a daily habit of controlling their emotions. They understood that losing their temper could derail relationships with other successful or success-minded people. Relationships they spent many years forging.

Junk Talk

Junk talk includes gossip, destructive criticism, cursing, sarcasm, belittling or demeaning others, opinions not based in fact and words said in anger or disgust. The rich avoided Junk Talk because Junk Talk damages relationships and relationships are the currency of the wealthy.

Like any type of junk, it should be hauled away and discarded. Be wary of the junk in your life Limit its existence. Too much junk will turn your life into a junkyard.

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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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