The Mindset of Millionaires


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Since most are poor or stuck in the middle-class, clearly the way they are thinking is not working for them. The precursor for success and wealth accumulation, at least according to my Rich Habits research, is forging a Growth Mindset.

A Growth Mindset is a daily habit in which you pursue and acquire knowledge every day.

Sounds simple, right?

Well, it’s not. In fact, for most it’s unattainable. Here’s why.

Forging a Growth Mindset requires the following two things:

#1 Challenging Your Ideologies

Ideologies represent fixed categorical thinking we typically inherit from our parents or from our environment. It is dogma we accept without reflecting upon why we accept it. Ideologies represent foundational thinking that are more like tunnels. These tunnels keep us isolated from understanding or acceptance of other ideologies that might differ from our own. We simply accept our ideologies and dismiss any other ideologies that contradict them. Thus, our ideologies, when unchallenged, stunt our growth.

Some ideologies are religious. Your parents were Catholic, so you are Catholic. Catholics believe they will enter the Kingdom of God. Catholics believe if you don’t believe in Jesus Christ you will not enter the Kingdom of God. I should know, I was raised a Catholic. I was taught our Catholic religion was superior to all other religions. Jewish people disagree. So too do Muslims and Buddhists and many other religions. Who’s right? Your religious ideology says, you’re right.

Some ideologies are political. Your parents were Democrats and, thus, you are a Democrat. Why are you a Democrat? What is it about being a Democrat that makes it right? What is the Democratic agenda or platform? Do you even know? Maybe you’re a Republican. Why?

Some are racial. Many in Germany, during the Nazi era, believed white people, or the arian race, was superior. Then, in the 1936 Olympics, Jesse Owens won four gold medals. Did that change the thinking of millions of Germans? No. Why? Because ideology fixes your thinking. And facts that interfere with ideology, are ignored.

Some are socioeconomic. Until America entered the world’s stage in the late 1700’s, it was a widely held belief that those born into royalty were superior. The royal blood line was fanatically protected. Kings and Queens ruled most of the “modern” world. These royal dictators controlled most of the resources in the kingdom. They created the laws under which millions lived.

Then America, threw a wrench into everything. There was no royalty in America. Capitalism, thrift, hard work and merit dictated who controlled the country’s resources. Soon after, many countries around the world followed suit, embraced capitalism, and eliminated the need for dictatorships.

#2 Challenging Every One of Your Beliefs

Beliefs represent the acceptance of something without any proof. They are inherited unconscious programming. We adopt the beliefs of our parents, family, mentors culture and our environment (neighborhood, town, city, state, country).

Your beliefs cause you to develop habits. Some beliefs hold us back in our adult lives. Most people are not even aware of the negative and limiting beliefs they have. These beliefs prevent us from becoming successful in life and in many cases they act like an anchor dragging us down into failure, poverty and a life of misery.

If you’re struggling in life, your beliefs are likely the culprit. What are your beliefs? Do you even know?

The key to growth is to have an open mind. Those with an open mind challenge their ideologies and beliefs. This fosters growth through learning. You can’t learn and, thus grow, if your mind is closed by your ideology and your beliefs.


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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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  1. Mike Odenbrett says:

    Thank you Tom! You are a great contribution to humanity! Have a great weekend! Mike

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