You’ve Only Just Begun – Why Now is the Time to Pursue Your Dreams

There is never a perfect, ideal time to pursue your big goal, major purpose or life dream. In late 2008 I decided to write my book, Rich Habits. I had never written a book before. I knew nothing about the author business. Nothing. But that subconscious voice inside my head kept nudging me to write the book. In fact, one night it persistently woke me up every hour on the hour until my wife kicked me out of the bed. That did not stop the voices inside my head. In fact, they became more persistent. By the end of that night the entire outline of my book, title and all, was downloaded into my head from the great ether, the cloud, whatever you want to call it. That same day I began writing Rich Habits. I couldn’t have picked a worse time to pursue my new entrepreneurial venture; one that would become my main purpose in life. These were some of the issues I was facing in my life, at the time:

  • The economy was in absolute free-fall that September, 2008. I was concerned, like any other business owner at the time. Would I survive? Would any of us survive? There was a serious attitude out there that this was the beginning of another Great Depression; one that would devastate our country and the world. I knew many of my clients would be going out of business. I was very scared.
  • My kids were just beginning college. I have three. Our college savings (529 Plans) had just lost nearly 40% of their value overnight, at a time when I could not afford to lose any money. I was petrified.
  • I was in the  throes of studying for the Certified Financial Planner exam, which I was taking in November 2008; just two months away. It’s a ten hour exam. I had been studying for six months. I honestly had no business starting this new venture. I knew it would pull me away from my studying. I was afraid of failing that exam.
  • I was going through a major change in my financial planning practice at the time. One that I knew was going to set me back a few years, as I worked through the restructuring. I relied on that financial planning money to help with college costs. Now that revenue would be lost while I restructured. I was really, really frightened.

In hindsight, I consider 2008, the year I jumped on that entrepreneurial roller coaster, the most courageous year of my life. I stared fear, and all the doubts that accompany it, in its face and did not let it stop me. And I’m still standing. I finished my book in late 2009 and it was released in March 2010. It went on to become an Amazon #1 bestselling book. I lost a few clients. Those that did not go under, struggled to pay our fees. My business struggled, but we survived somehow. I was able to get my kids through college. I have one finishing up her senior year. Somehow, I was able to make just enough money and juggle finances in a way that made that possible. I passed that exam on the first try. My financial planning practice took three years to recover and get back to making money. My struggles are a distant memory now.

How many of you are waiting for the right time to pursue some major goal, purpose or life dream? Take it from me, there is no right time, except right now. No matter how bad the timing might be, start today. It will all work out. Life, I found, rewards the courageous.

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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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