Survive Until You Succeed


Tom Corley boats - crop

Luck has an affinity for survivors and enmity for quitters.

After researching the stories and backgrounds of the 177 self-made millionaires in my study, I came to admire them.

I found it amazing that so many of them were a hairs breath away from financial ruin. They put every dollar they had and leveraged every asset they owned to fund their dream. Many went even further. They borrowed from friends, family and anyone else who would lend them money.

If you were to look at the balance sheet of any self-made millionaire, right before they turned the corner, you’d throw up your lunch. And these eventual self-made millionaires had to look at that balance sheet all the time while they were pursuing their dream.

Just imagine having zero assets and piles of mounting debt as your constant companions. Now imagine having to look at the balance sheet year after year, which seems to do nothing but continue to deteriorate. Perhaps worse than your bad balance sheet is the uncertainty that plagues you every day along your journey.

The pre-millionaire self-talk goes something like this:

“How will I get through next month?”

“When will I turn the corner?”

“When will I finally get lucky?”

“When will all this uncertainty end?”

“What more do I have to do?

How do they do it? How do they survive the near-financial Armageddon and the never ending uncertainty? How do they find the strength to persevere?

Balls of steel. Courage. Call it what you will but those self-made’s knew one secret to success that all hard core entrepreneurs eventually figure out – you must find a way to survive until you succeed.

As I’ve written often, the #1 factor to success is luck. You must get lucky. But luck, real life-changing luck, takes time. For some self-made’s , life-changing luck comes sooner, but for the average run of the mill self-made millionaires, luck can take years.

That luck, however, only visits survivors. This is why it is imperative that you figure out a way to survive. Survival buys you time for luck to occur.






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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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