Playing it Safe


Tom Corley boats - crop

A friend of mine from my college days just retired from the IRS. He began working for the IRS right out of college. If he reduces his spending and watches his pennies, he told me his retirement income should allow him to get by. He said he’d be able to take one decent vacation a year, so long as it’s inexpensive. I asked him if he was happy and he said he’s happy he no longer has to work but he said he feels like he accomplished nothing with his life.

There’s nothing wrong with playing it safe. There’s safety in numbers. The very reason human beings survived the cave man days was because we organized into herds. We banded together and avoided taking unnecesary risks. And we survived.

Thankfully, there was always at least one or two outliers in every human herd. These outliers took risks that the others dared not take. These risks jeopardized the safety of every outlier.

The very reason humans can fly to the moon, talk to someone thousands of miles away on a phone, flick a switch to turn on the lights or turn a knob and get instant water is because not everyone in the human herd played it safe.

While humans have evolved to play it safe, we are not genetically hard-wired that way. Deep down in each one of us is an adventurer gene. This gene is always fighting to break free from the herd. We are genetically hard-wired to take risks, to explore, to be pioneers. We are not hard-wired to work for the IRS, retire and die. 

If you follow me, read my books or articles or watch or listen to any of my media interviews, it is because of that adventurer inside of you. Deep down you want your life to have significance and meaning. You want to make your mark on this world. Deep down you know that playing it safe will not produce the life you desire. 

In order to create the life of your dreams, you must step outside the herd and take risks in life. You must pursue your dreams, goals and embrace opportunities that frighten everyone else. That is what the self-made millionaires in my study, at some point in their lives, decided to do. They did not play it safe. They stepped outside the herd. They did not play it safe.

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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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