Archived Articles

When You Marry Passion With Talent, Work Becomes Play

You have passion. You have talent. But do you have passion for the thing you are talented at? If the answer is yes, I can almost guarantee that you will…

How to Find the Perfect Mate

56% of the wealthy in my Rich Habits Study married right. What I mean is that they married a spouse who had certain traits that made their union successful. Finding…

How to Turn On Your Happiness Genes

Researchers at Vrije Universiteit Amsterdam in the Netherlands published a paper that, for the first time, linked genetics to happiness. In the study of nearly 300,000 people, the researchers, led…

You Can’t Solve an Emotional Problem, Intellectually

When you are under ANY STRESS, your heart races, cortisol levels surge and the emotional center of the brain, the amygdala, takes control over your brain. When the amygdala is…

Bright Shiny Object Syndrome

One characteristic of self-made millionaires is their ability to focus on one thing for a very long period of time. It may be a dream they are pursuing for five…

Ignore Your Flaws. Focus on Your Strengths

“You don’t succeed because you have no weaknesses. You succeed because you find your unique strengths and focus on developing habits around them.” Tim Ferriss Even the most gifted, talented…

At the Top of Every Mountain of Adversity is an Elevator Waiting to Take You Higher

“All things are difficult before they are easy.” Thomas Fuller The path towards success is like climbing a never ending flight of stairs. Each step, another obstacle to overcome. Each…

Make Your Money Invisible

Cheap people and frugal people are two very different types. Cheap people focus on price first, when it comes to spending their money. Frugal people focus on quality first when…

Indecision is a Poor Habit

A donkey stands between a pile of hay and a bucket of water. The donkey cannot choose between the hay or the water. After some time, the donkey falls over…

Success in Life Requires That You Fulfill Your Responsibilities

Responsibility means several things: Fulfilling Obligations Meeting Commitments Keeping Promises Meeting your Responsibilities isn’t easy. It requires the following: Discipline Focus Willpower Respect for Others Effort – Work When you…

Obstacles Make You Better

When I decided to write my first book, Rich Habits, I had never written a book before. I faced so many obstacles: How do I write a book? What’s the…

Medicare Basics – What You Need to Know

At age 65, you become eligible for Medicare. If you are already receiving Social Security Benefits, you’ll automatically be enrolled into Medicare. If you are not receiving Social Security Benefits,…

Invest in Yourself and Set Yourself Free

Zombies never become rich. And zombies are unhappy. There are so many people stuck in jobs that make them feel like they are on a treadmill. Every day is the…

Uncertainty is a Way of Life for Entrepreneurs

Being an entrepreneur isn’t easy. The upfront investment in time and money is significant. The early part of the journey for an entrepreneur is one fraught with nothing but uncertainty.…

Confidence is a Byproduct of Success

I cringe every time I read an article about confidence. T he majority of the time, these articles offer strategies that will help you build confidence, which are supposed to…

Successful Entrepreneurs Find a Problem, Solve It and Then Monetize That Solution

Find an problem, solve it and then monetize that solution. If you want to become successful, you need to think like a self-made millionaire and that’s how they think. They see…

The Four Pillars of The American Dream

The American Dream has been around since the founding of our country. It became a reality to millions in the mid-1800′s during the Industrial Revolution. Poor, starving families left their…

10 Reasons You Hate Your Job

Ever find yourself thinking Is it Friday yet? One of the hallmarks of the wealthy is that they like or love what they do for a living. They look forward…

Want Spending Will Make You Poor

There are two groups of poor people. The first group are individuals who simply do not make enough money to meet their needs. The second group are individuals whose income…

Exploit Your Strengths and Compensate For Your Weaknesses

Know thyself and thou wilt know the universe – Pythagoras Every person has innate talents that they were born with. These innate talents are your superpowers. But unleashing your superpowers will only get…

People Fall In Love With Authentic Individuals

To thine own self be true – Shakespeare Definition of Authenticity – Genuine, real, accurate, to be yourself. Authenticity is perhaps the most foundational characteristic of successful individuals. When you…

Focus on Passion, Not Wealth, and You Will Realize an Abundance of Wealth

All individuals, by virtue of their unique genetic makeup, are born with certain talents that set them apart from others. Finding your inborn, innate talents requires experimentation. Only through experimentation will…

Good Gut Decisions Are Born Out of a Lifetime of Experience

I’ve got a lot of hard proprietary data on why the rich are rich and why the poor are poor. Some of the research I’ve gathered centers around the decision-making…

Humans Are Not Hardwired to Play it Safe

An old friend of mine 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…

Common Traits That Make People Like You or Dislike You

My parents used to say that when my Grandfather, Pop Pop Dailey, used to walk into the room, it didn’t matter who was in the room. Pop Pop Dailey could…

The Tipping Point

There’s a Tipping Point for everyone pursuing a dream. For the few lucky ones, that Tipping Point happens within a few years. But, for everyone else, that Tipping Point could…

Debt Was Created to Make You a Slave

There is something important everyone needs to understand. Without getting too esoteric I’ll just say this – the financial system, as it was intentionally created, has an agenda and a…

Certainty = Happiness

Human beings crave certainty. When the circumstances of our life are uncertain, we become filled with anxiety and worry. Uncertainty, for as long as it lasts, creates something called chronic…

Why is the Topic of Money, Taboo to So Many?

Most people don’t like to talk about money – they don’t like to talk about it wtih their spouse. they don’t like to talk about it with their kids and…

Six Types of People Every Entrepreneur Encounters in Their Quest for Success

As you pursue your dreams and goals you will meet many new people. Some will be supportive and some won’t. Below are the six types of individuals you will encounter…

 7 Incontrovertible Truths About Building Wealth 

I’ve found that becoming wealthy is not a fluke. I spent five years studying the habits of 233 millionaires — 177 that were self-made — in order to find out…

Success Changes How Others Perceive You. Success Makes You Relevant

“The first million is the hardest.” Berrey, circa 1920 Long before Elon Musk became a household name, he was telling people about his dream of one day going to Mars.…

Avoid Blame Throwers. They Will Hurt You and Those Around You

Humility is a hallmark of the successful. Successful, self-made millionaires, particularly Dreamer-Entrepreneurs, ARE MADE humble during their journey towards success, due in large part to things: Adversity – The relentless…

Experts Reveal the Secrets to Creating Wealth

I was chosen to be one of the Experts Speakers on the Secrets to Creating Wealth Event. Here’s the Sign Up Link to hear my Talk: https://secretstocreatingwealth.com/toco

What Should You Do If You Are On The Cusp Of Retirement

When most reach age 55, they begin to think about their retirement. If that’s you, here are nine tips that will help you properly plan for retirement. Cut Back on…

Never Quit on Your Dreams. Three Tips For Surviving Adversity as an Entrepreneur

Entrepreneurs are a special breed. They typically put everything on the line in pursuit of a dream. The number of balls Entrepreneurs have in the air is overwhelming. Entrepreneurs have…

Top Seven Money Myths About Rich People

Back in 2004, I began to research why the rich were rich and why the poor were poor. When I began my Rich Habits research, I had some entrenched negative beliefs…

Eight Important Success Habits I Learned From My Five-Year Rich Habits Study

In my books, Rich Habits and Effort-Less Wealth, I highlight some of the habits that have the most impact over your financial life. Below I share 8 of those habits. #1 Self-Made…

Doing These 4 Things Guarantees a Healthier, Longer and More Productive Life

Those who are serious about their health, focus on four things: Sleep Right Eat Right Exercise Right Right Mindset SLEEP RIGHT Sleep is the most important thing you can do…

There’s a Very Good Reason Love is the Most Powerful Emotion

Love is the most powerful emotion, followed by Fear of Death. The main difference between these two powerful emotions is that when we take action to help those we Love,…

Service to Others is the Path Towards Excellence

The best are not focused on competing for the spoils – Money and Wealth. The best realized long before they became the best, that money and wealth are mere byproducts…

Don’t Chase Money

In 2000, I made one of the worst decisions of my life – I decided to chase money. Not only did that decision create great unhappiness, it nearly destroyed my…

Momentum is a Real Phenomenon

Have you ever noticed that when things go wrong, they seem to go wrong in multiples? The same is true when things go right. When you’re on a roll, everything…

Belief Creates Reality

Cus D’Amato brainwashed Mike Tyson into believing he would one day become one of the greatest heavyweight champions of the world. Tyson used visualization techniques, created by Cus D’Amato, to…

Yes, the System is Rigged But You Can Beat It

The powerful institutions, governments, politicians and wealthy individuals/multinational corporations who fund politicians, use four tools to keep people stuck in poverty or the middle-class: Inflation Interest Consumerism Taxation Inflation One…

You Have Hidden Innate Talents That Are Waiting to be Discovered

In the 90’s I taught Graduate school and college part-time. It paid $1,500 per semester, per course. Mostly accounting and tax courses. I had a full-time job back then that…

The Incredible Computing Power Behind Intuition

We essentially have two brains – the Conscious Brain and the Unconscious Brain. The Conscious Brain, or Neo Cortex, is the outermost portion of the brain. It’s what you typically…

10 Incontrovertible Truths About Those Who Strike it Rich

Becoming wealthy is not a fluke. I spent five years studying rich people in order to find out what they did from the moment they woke up in the morning…

Adversity is a Cocoon That Transforms You Into a Butterfly

We become exceptional, not by our success, but by our ability to overcome adversity, in the pursuit of success. A crucible is, by definition, some harrowing adversity that can leave…

Mistakes Are Beautiful Things

Success is built upon a mountain of mistakes. The more mistakes, the higher your mountain, the greater your success and the more money you’ll ultimately make. In my Rich Habits…

Fitting In Only Leads to Mediocrity

“You can change the world or you can worry about fitting in, but you can’t do both.” – Robin Sharma If you study millionaires and billionaires as I do, you’d find…

Daily Habits Eliminate the Grind

There was a famous author who was asked about his daily routine. He said he woke at 5 am every day and wrote 500 words, which took him an average…

How to Attract Good Luck

One of the fascinating things I discovered in my Rich Habits research was the fact that many self-made millionaires, particularly the Dreamer-Entrepreneurs and Big Company Climbers, at some point, got…

Make Each Week Matter

You cannot change without first recognizing the need to change. Awareness, therefore, is the precursor to change. It sets the table for change to occur. And only through constructive change,…

The Traits of Success Are Unleased by Passion

“The best time to plant a tree was 20 years ago. The second best time is now.” Chinese Proverb Thirty-nine percent of the millionaires in my Rich Habits Study pursued…

Don’t Major in Minor Things

Time is the most valuable resource we have. Not wealth. Not people. Not knowledge. Not skill. Time. What makes Time so valuable is that is can never increase. You can…

Outliers Change the World

There are Experts and then there are Outliers. Experts devote years to learning an industry or a skillset. They follow processes and procedures handed down to them by previous Experts.…

The Power of Passion

Passion is not a prerequisite for success or building wealth. In fact, many of the self-made millionaires in my Rich Habits Study became successful and wealthy grinding it out, without…

Service to Others, by Adding Value to Their Lives, Will Reward You With Wealth, Health and Happiness

As I’ve written often, self-interest is good. It’s actually hardwired into our DNA and our old brain (limbic system and brain stem). Fight or flight is an example of self…

Scarcity Taxes Your Brain, Altering Your Thinking and Behavior

Scarcity comes in many forms: Financial Scarcity – Poverty or Living Paycheck to Paycheck is the Most Common Form Time Scarcity – Working Long Hours or Pressing Deadlines Willpower Scarcity…

Human Beings Have the Power to Create Their Own Reality

“The kingdom of God is within you” (Luke 17:21). Human beings are all god-like in our ability to create. Our ability to create something out of nothing is evidenced everywhere…

Negative Emotions Stop You in Your Tracks

In one study on negativity, two neurologists found that when you have a negative mindset your prefrontal cortex is not functioning properly. The prefrontal cortex is the seat of decision…

Every Human Being Has the Ability to Tap Into the Cosmic Library of Human Knowledge

Since 2004, my Rich Habits research has taken me down many rabbit holes. The latest rabbit hole has occupied my mind and my time, for the better part of two…

Entrepreneurs Are Trapeze Artists

Pursuing success is a lot like swinging from one trapeze bar to the next. Each trapeze bar represents a goal. Success is just the process of moving from one goal…

Envy is a Negative Emotion That Creates Unhappiness

According to Barry Schwartz, a professor at the University of California (Berkeley), and author of the book The Paradox of Choice social comparison often creates envy and envy quickly makes people…

Good or Bad, Your Inner Circle Infects You With Their Habits

There is a great deal of science surrounding the impact our social networks have on us. Numerous studies have shown that we pick up most of our habits from our…

14 Smart Money Habits

If you want to change your life, you must change your habits. In my book, Effort-Less Wealth, I highlight which habits have the most impact over your financial life and…

19 Important Lessons I Learned From Failing

In  my career, I started four companies. One of those four companies failed. That one failure very nearly destroyed my marriage and my family life. Here are some of the…

Being Fat or Skinny, is a Habit

Rich Habit #4: I will devote part of each and every day in caring for my health The food we eat passes from the mouth, to the esophagus, to the stomach, to…

When You Change Your Environment, Your Habits Change Automatically

Many of the behaviors, habits and thinking we possess are the result of the different cultures we are raised in. We are taught to think, feel and act by our…

The Most Important Factor in the Pursuit of Wealth

After five years of studying the habits of millionaires, primarily self-made millionaires, I’ve identified the #1 factor to accumulating enormous wealth – pursuing something you are passionate about. It goes…

The Pursuit of a Dream Eliminates the Need to Compete

Why do you do what you do? Is what you do primarily to make money? If so, you are a mere cog in the wheel because a billion other people…

How to Transform Yourself into a Money Magnet

Rich people transform themselves into money magnets. Here are a few ways they do it: The Pursuit of Success Turns You Into a Money Magnet – Those who pursue success…

What Does Success Mean to You?

I get a lot of emails every day, mostly from readers of my books or blog. But every now and then I get emails from individuals trying to sell something.…

Worry Can Be Constructive

There’s a huge difference between chronic stress and worry. Chronic stress is an elevated level of anxiety that shuts down part of the brain (pre-frontal lobe), disabling your ability to…

Creative Projects Thwart Depression

Edgar Allen Poe suffered from depression. If you lived his life, you probably would have been depressed too. He was born in 1809 to a couple of actors. He was…

Be Grateful, Not Envious

According to Barry Schwartz, a professor at the University of California (Berkeley), and author of the book The Paradox of Choice , social comparison often creates envy and envy quickly makes…

High Achievers Are Habit Machines

Cher, Warren Buffet, Richard Branson, Madonna, Matthew McConaughey, Kelly Ripa, President Obama, Michael Corbat (CEO Citigroup), Condoleeza Rice (former NSA Director) all have one thing in common: they are obsessed…

The Walden Effect

As your incomes rises, so too do your expenses. You buy a bigger home, nicer cars, better clothes, go on more expensive vacations and frequent restaurants more often. When your…

Jerry Seinfeld’s Calendar Strategy for Forging New Daily Habits

Forging new habits is hard. Depending on the habit you are trying to create, it can take anywhere from 18 days to 254 days to form the habit, with the…

Likeability is Critical to Success

Ninety-five percent of the rich in my Rich Habits Study indicated that being liked was critical to their success. Conversely, only 9% of the poor felt being liked was important to…

The Latest Science on Weight Loss is Game Changing

For years we’ve been advised that the key to weight loss is to burn more calories than we consume. And many accepted this advice, put on their running shoes, or…

How to Turn on the Happiness Gene

According to a study published by the Journal of Happiness, associating with other happy people turns on a gene that increases happiness levels. The gene is called “A allele”. A…

How to Train Your Brain to Abandon Bad Habits

It is virtually impossible for most individuals to immediately abandon a bad habit. Going cold turkey, requires enormous willpower. And, unfortunately, willpower is a very limited resource. Willpower appropriates too…

Two Traits EVERY Successful Person Possesses

If I were to boil success down to two success characteristics they would be Grit and Growth. GRIT Those with Grit never quit on their dreams and their goals. No…

Generosity Boosts Happiness

What’s happiness? I don’t think happiness is any one unique feeling. Joy is happiness. Laughter is happiness. Being around your loved ones is happiness. Feeling content, for whatever reason, is…

Prosperity Increases Longevity

In a recent report from the Brookings Institute, they found that rich people live longer than poor people. Rich men live 12 years longer than poor men and rich women…

Why Self-Made Millionaires Exercise Aerobically

It took about a year for me to realize that the rich vs. poor programming I had received as a child was the opposite of reality. The 233 rich people…

Wake Up and Stop Acting Like a Zombie

What makes a zombie a zombie? Zombies have no self-awareness. They are driven only by unconscious, instinctual behavior. They are on autopilot, oblivious to their surroundings. They are non-thinking beings,…

Those Who Are Healthy Make More Money in Life

I’ve written extensively about the Rich Habits of eating less and eating healthy because I discovered in my Rich Habits Study, that’s what most self-made rich people do. Self-made rich…

Control Your Inner Demons or Face a Life of Poverty and Misery

The famous story of the mild-mannered Dr. Jekyll and the demonic Mr. Hyde ends with the death of both. Mr. Hyde became Dr. Jekyll’s undoing at the end. There are…

How to Boost Happiness

There are many things that create that feeling we call unhappiness. The unhappiness list is a very long one: illness, death, job loss, financial problems, heartache, conflict, envy, hate and…

Leadership Series: Common Traits of Successful Leaders. Trait #19 Process Perfectionists

Behind every Leadership success story are Proven Processes. All Successful Leaders follow a proven process, a process that, through experimentation, consistently works. While organizational dreams, and the goals behind those…

Leadership Series: Common Traits of Successful Leaders. Trait #18 Mentors of Future Leaders

Successful Leaders are great mentors. They believe it is part of their mission, as a great leader, to mentor future leaders. They are passionate and relentless about mentoring employees within…

Leadership Series: Common Traits of Successful Leaders. Trait #17 Embrace Change

“The Only Constant in Life Is Change.”- Heraclitus Successful Leaders are Visionaries. They are able to see changes that will occur five, ten or twenty years into the future. But…

Leadership Series: Common Traits of Successful Leaders. Trait #16 Seeing What is Invisible to Everyone Else

A common trait among Successful Leaders is that they see things that were invisible to everyone else. They see potential problems down the road that could interfere with the pursuit…

Leadership Series: Common Traits of Successful Leaders. Trait #15 Calm Under Pressure

“Calmness, not skill, is the sign of a matured Samurai.” – Tsukahara Bokuden Successful Leaders are masters of their emotions. You don’t see Successful Leaders celebrating excessively when they are…

Leadership Series: Common Traits of Successful Leaders. Trait #14 Outlier Mindset

Elon Musk literally had zero knowledge or experience in two industries he poured $180 million into – Space X and Tesla. The aerospace industry experts laughed and ridiculed Musk, as…

Leadership Series: Common Traits of Successful Leaders. Trait #13 Effective Communicators

When you are running a business or overseeing people, it’s easy to fall into the trap of talking AT people. Talking AT people is what many mediocre business Leaders do.…

Leadership Series: Common Traits of Successful Leaders. Trait #12 Master the Fundamentals

When things go wrong in any organization or any plan, it is very often due to ignoring the fundamentals. This is why Successful Leaders so often focused/obsessed with the fundamentals.…

The War Against Freedom

Wealth is a byproduct of success. It is the carrot at the end of the stick. Take away that carrot and you remove the desire to pursue success. Socialism not…

Leadership Series: Common Traits of Successful Leaders. Trait #11 Courageous

“Every human being is born with two wolves inside their body. One wolf, the bad wolf, is a dark, negative, angry wolf, filled with fear. The other wolf, the good…

Leadership Series: Common Traits of Successful Leaders. Trait # 10 Persistence

“Luck visits the Persistent.” What is Persistence? Persistence means never quitting on your dream. Because Successful Leaders have a very clear vision of their destination, they will pursue their dreams…

Leadership Series: Common Traits of Successful Leaders. Trait #9 Clear Vision

Successful Leaders have a detailed, well thought-out plan for the future of the company they work for and because of that clear vision, they are able to get their management…

Leadership Series: Common Traits of Successful Leaders. Trait #8 Anticipation

Successful Leaders are long-term thinkers. Because they have a Clear Vision of the destination of their company, another Trait of Successful Leaders, they are able to anticipate future problems, future…

Leadership Series: Common Traits of Successful Leaders. Trait #7 Positive Mental Outlook

A Positive Mental Outlook was a common trait shared by many of the Successful Leaders in my Rich Habits Study. Why is having a Positive Mental Outlook so important to…

Leadership Series: Common Traits of Successful Leaders. Trait #6 Visibility

When the CEO of a company I worked for was in corporate headquarters, he had a habit of walking around the office every day. He did this once in the…

Leadership Series: Common Traits of Successful Leaders. Trait #5 – Productive Habits

The Successful Leaders in my rich Habits Study forged what I call Productive Habits, These were habits that were tied to their Goals and Dreams. In an effort to transform…

Leadership Series: Common Traits of Successful Leaders. Trait #4 Laser Focus

Laser Focus is the ability to concentrate for long hours at a time. It is also the ability to quickly pivot and shift to other pressing matters, deploying that same…

Leadership Series: Common Traits of Successful Leaders. Trait #3 Warrior Work Ethic

The Successful Leaders in my Rich Habits Study worked an average of 11 hours longer per week than the average employee. Such leaders have what I like to call a…

Leadership Series: Common Traits of Successful Leaders. Trait #2 Building Strong Relationships With Influencers

One of the common traits among the Successful Leaders in my Rich Habits Study was their obsession with building relationships with Influencers. These could be other senior executives within their…

What is the Optimal Amount of Wealth?

One of the fascinating things I learned from my Rich Habits research is that there is an optimal amount of money/wealth. If you have too little money or too much…

Leadership Series: Common Traits of Successful Leaders – Trait #1 Intelligence

Twenty-four percent of the Self-Made Millionaires in my Rich Habits Study were high-level senior executives in large multi-national companies. In other words, they were Leaders at the companies they worked…

Survive Until You Thrive. Crucible Moments Will Make or Break You

We are defined, not by our success, but by our ability to overcome adversity, in the pursuit of success. A crucible is, by definition, some harrowing adversity that can leave…

Employees Can Become Multi-Millionaires

When most people think about self-made millionaires they imagine some entrepreneur working around the clock, passionately toiling away in the pursuit of greatness. Yet, 39% of the self-made millionaires in…

Humility is a Hallmark of The Successful. Here’s Why

Humility is a hallmark of self-made, successful people. The reason for this is that successful, self-made millionaires are made humble during their journey towards success. They become humble because they…

10 Hard Truths About Poverty

I spent five years studying the poor. In those five years I asked 361 rich and poor people 144 questions each. That’s 51,984 questions. I wanted to find out what…

Why Do So Many Entrepreneurs Fail?

In my rich Habits Study, 51% of the self-made millionaires were entrepreneurs, meaning they made their wealth starting and running their own companies. Thanks to my Study, I not only…

What’s Your Dream List?

“There are some people who live in a dream world, and there are some who face reality; and then there are those who turn one into the other.”– Douglas H.…

Don’t Waste Your Time on Exploiters

One of the common Rich Habits among the successful people in my Rich Habits Study was the habit of being responsive. Being responsive means not ignoring those who matter to…

Passion Gives You Grit

“I’m convinced that about half of what separates the successful entrepreneurs from the non-successful ones is pure perseverance.” – Steve Jobs Nick Woodman is the CEO and founder of GoPro…

Life Event Calls Are the Most Powerful Phone Calls You Can Make

One of the strategies the wealthy use to build long-lasting, valuable relationships is something I like to refer to as the Life Event Call. These calls are made to clients,…

Not Every Thought Needs to Come Out of Your Mouth

My Aunt Peg was one of my early mentors in life. She always said what’s on her mind and bragged about it. As a kid, I loved it. I loved…

Brain Fog is Your Enemy

When your brain is foggy, you cannot think clearly, you make poor decisions, your memory suffers and things slip through the cracks that can damage your career and ability to…

You Only Need to be a Little Bit Better than the Competition

Those with a slight edge own the world. As I discovered from my Rich Habits research, those who possess some slight edge, some unique niche they’ve cultivated over many years,…

Who Will You be Six Months From Now?

No matter what you do, time marches on. It is the one constant in life. In six months you will be six months older. During those six months, what will…

Ego is Evil

It’s one thing to know what to do, but it’s a completely different thing to know what to do and to actually do it. That’s why having good success habits…

Do You Invest Your Time or Spend It?

Do you read in the bathroom? I do. In fact, I have a book in several rooms in the house. I put the books there as a trigger to read…

Don’t Be a Video Addict

When TV went Main Street USA in the mid-1960’s, millions of families changed their daily routine. Instead of reading or chatting it up with family, friends and neighbors, almost overnight,…

Talk TO People Not AT People

Good communication is just another tool in the tool belt of self-made millionaires. At some point, they figured out how to best communicate with others. The best communication is effective…

Decisions Made in a Position of Strength Are Always the Best Long-Term Decisions

When you are in a position of weakness, you almost always make bad decisions. Your decisions are need-based, driven by fear, doubt and necessity. As a result, you give ground…

Fitting In Only Leads to Mediocrity

“You can change the world or you can worry about fitting in, but you can’t do both.” – Robin Sharma There is nothing special to be gained by fitting in. Those…

Dream Habits Transform Dreams Into Reality

Pursuing your own dream is, according to my Rich Habits research, the fastest way to accumulate wealth. It also creates the greatest amount of wealth. But you need to develop Dream…

Self-Awareness Makes Change Possible

You cannot change without first recognizing the need to change. Awareness, therefore, is the precursor to change. It sets the table for change to occur. And only through constructive change,…

Seeds of Success

“The best time to plant a tree was 20 years ago. The second best time is now.” Chinese Proverb Almost every one of the self-made millionaires in my Rich Habits…

Survive Until You Thrive

Good Luck has an affinity for survivors and Bad Luck has an enmity for quitters. After researching the stories and backgrounds of the 177 self-made millionaires in my rich Habits…

Goals Are the Transportation System to Your Dreams

People with vision are called visionaries. They’re looked up to and admired. But the real winners in life are visionaries who take action on their vision. Real visionaries relentlessly pursue…

Luck Visits the Persistent

There are no guarantees of success when you pursue a dream. It’s really hard to turn a dream into reality. Ask any entrepreneur who’s tried and failed or tried and…

Abraham Lincoln’s Rule of 3

Habits are amazing things. Once formed, they become automatic, subconscious behaviors that require zero willpower. You don’t need to motivate yourself or pump yourself up to engage in a habit.…

8 Habits of Successful Entrepreneurs

If you were to ask most people what the definition of an entrepreneur is, the majority would probably say someone who is not afraid to take risks. The actual definition…

The Quality of Your Life Depends on the Quality of Your Habits

We are not creatures of circumstances. We are creatures of habit. Your life is not a product of luck, fate or the circumstances you were born into, but a product…

When Talent Becomes Habit, Success Follows

We all have unique talents. You might be good at writing, painting, communicating, math, organizing, building relationships, managing others, money, investing or athletics. Each of us has some genetically, god-given talent…

Your Priorities in Life Determine the Habits You Forge

We all have habits. We forge habits during our lives. Some habits begin at an early age, some we adopt during our lives and others later in life. We are…

Tips on Improving Your Odds of Becoming a Millionaire

Tip #1 Automate Your SavingsEach Saver-Investor in my Rich Habits Study/Research consistently saved 20% or more of their net pay, each pay check. Many accomplished this by automating the withdrawal…

We Are All Hardwired For Negativity. Here’s How to Turn Off Negativity

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…

Fulfillment, Not Happiness, Should Be Your Goal

Happiness is transient. Physiologically, happiness is a temporary boost in the neurotransmitter dopamine. This dopamine boost gives you the feeling we call happiness. But that boost is impossible to sustain…

A Positive Mental Outlook Sets You Free. A Negative Mental Outlook is a Prison That Enslaves You

It virtually impossible to become successful with a negative mindset. Negativity puts the emotional centers of the brain in control, while shutting down the logical/analytical centers of the brain. When…

Saying NO is a Rich Habit

Time is our most valuable resource and it is a valuable resource that is given to us for free. Because it is free, we tend to not value our time…

Shortcuts to Habit Change

Good habits put you on autopilot for success. When actions become habits, the need for motivation (external or internal) is eliminated. You don’t need to pump yourself up to engage…

There is No Sin in Success

I grew up in a very religious family. Every Sunday, we attended mass. Every Saturday, was confession. I said the rosary every night before I went to sleep. At a…

The Magical Power of Love

I’ve never been spiritual. I’m not even sure what that means, to be honest. But, I can wrap my head around Love. When you become a parent for the first…

The Great Awakening is Now!

All individuals have what I often like to call “Super Powers”. These “Super Powers” are part of our amazing brain and the software programming embedded in our DNA. All we…

Plan Act Pivot

“All airplanes are off course 99% of the time. The purpose and role of the pilot and the avionics is to continually bring the plane back on course so that…

Journaling Your Way to a Positive Mental Outlook and Increased Prosperity

In a study conducted by Michael McCollough of Southern Methodist University and Robert Emmons of the University of California, they found that the group of individuals in their study who…

It’s Time to Emancipate Yourself and Gain Your Freedom

President Abraham Lincoln, on January 1,1863, issued his famous executive order known as The Emancipation Proclamation, which declared that all slaves were free. The Emancipation Proclamation was a mission statement, a…

Warren Buffet’s 3 Step Strategy for Success

One day Warren Buffet was sitting in the cockpit of his plane with his pilot, Mike Flint. They were having a conversation. Flint asked Buffet what it takes to succeed. Buffet…

Every Successful Person Has Some Process They Follow Every Day

Success is not a single event. Success is a process. That process makes success possible. While dreams, and the goals behind the dreams, are important, even more important is creating…

How Do You See Yourself? What is Your Identity?

Self-awareness is the first Rich Habit (Rich Habit #1) because it is the most important Rich Habit. Without self-awareness, change is impossible. Humans have a strongly rooted drive to act…

Three Common Strategies Most Millionaires Use to Build Their Wealth

It’s hard to save your way to wealth. It took the average millionaire in my Rich Habits Study between 12 – 32 years to accumulate an average of between $3.3 – $7.4…

How to Boost Energy Levels

When your glucose level drops, the body notifies the brain and the brain’s response is to either prompt you to eat something with glucose in it, or go to sleep.…

How Much Do You Know About the Most Important People in Your Life?

How much do you really know about those who matter to you? Your immediate family – you probably know everything about them. You know their birthdays, you know what schools…

Self-Control is a Superpower, If You Learn How to Master It.

When it comes to living your best life, the big elephant in the room is self-control. The more you have, the better the circumstances of your life. There have been…

Greatness Traits

Keanu Reeves has made over sixty movies. He is considered one of the most successful actors in the history of Hollywood. He’s been paid close to $315 million for his…

BECAUSE is a Word Used by Quitters

I get a lot of emails from subscribers, fans and followers who are trying to pursue something important – a dream, a purpose, or some big goal. Too often, embedded…

Dictators Hold You Back in Life. Who Are Your Dictators?

We all have dictators who control our lives. Dictators are those bad actors in your life who prevent you from living the life of your dreams. They hold you back.…

How Top Achievers Walk, Talk and Think

The top 1% walk, talk and think differently from the rest of society.

Are Millionaires and Billionaires Very Different?

In my Rich Habits Study, I focused my research on individuals who had amassed at least $3.2 million in net assets and also generated $160,000 or more a year in…

7 Types of Success – Pick Your Success

Even though we did not have much money growing up, my Dad always made sure our freezer was stocked with different types of ice cream: vanilla, chocolate, butter pecan, coffee…

Passion Fuels Perseverance

“I’m convinced that about half of what separates the successful entrepreneurs from the non-successful ones is pure perseverance.” – Steve Jobs Nick Woodman is the CEO and founder of GoPro…

25 Universal Truths About Success

I’ve been studying millionaires and billionaires since 2004, which is when I began my Rich Habits Study. One of the first things I noticed is that many of these successful…

Top 6 Entrepreneur Habits

“What are the top 6 habits of entrepreneurs?” I get asked that question a lot by the media and podcasters, so I thought I’d share my top 6 list with…

Dreams and Goals are Two Very Different Things

I am often asked “what is the difference between a dream and a goal?” It’s critical to understanding the difference between a dream and a goal because, with respect to…

Control Your Emotions in Victory and Defeat

Successful individuals are masters of their emotions. Because the success journey is mostly about overcoming negativity, disappointment, criticism, obstacles, mistakes and numerous failures, successful people develop the Rich Habit of controlling…

All Change Begins With a Clear Vision of the Life You Desire

We all have habits. Some habits begin at an early age, some we adopt during our lives and others later in life. We are barely aware of the habits we…

Flaws Help Reveal Your Strengths

We all have flaws. You can use your flaws as an excuse, or you can use your flaws as a springboard for achievement. Muggsy Bogues was the shortest professional basketball…

Patience and Persistence Make Luck Possible

Every human being has innate abilities. These are inborn strengths hardwired into your DNA from the moment of birth. For certain types of self-made millionaires, the ones I often refer to…

Results Matter

Since 2007, I have been using something I call my Rich Habits Tracking Schedule, which was passed on to me by one of the self-made millionaires in my Rich Habits…

Success is Awesome

The price of success is huge. It requires enormous sacrifices: long hours, financial investment, lost family time, lost friend time, mental frustration, emotional turmoil, difficult decisions, forced habit change, deferring…

The Words You Use Determine if You are in Control of Your Life

The words you use matter. They can empower you or enslave you. Your words seep into your subconscious mind, programming it, for good or bad. The words you use can…

In Pursuit of Happiness

Martin Seligman is a psychologist at the University of Pennsylvania. In one of his studies on happiness, he found that people fall into one of three categories: Pleasure Seekers –…

Everyone Is Born Lucky. Your Very Existence is All the Proof You Need

Dr. Ali Binazir, author of the Tao of Dating, estimates that the odds of you existing are one in four quadrillion. He makes a very impressive, analytical argument in arriving…

Getting Back On Track is Easy, If You Know How

Habit formation isn’t easy, especially in the beginning. Those early days of forging good habits are the most difficult. The most important thing is to rebound when you fall off…

An Absence of Bad Luck, is Good Luck

In my Rich Habits research, luck was fundamental to success, particularly for the Big Company Climber-millionaires and the Dreamer-Entrepreneur-millionaires. I can honestly say that very few of these self-made millionaires…

Three Things That Motivate Everyone

There are three emotions that motivate everyone: Love, Fear and Self-Interest Love & Fear I never worked harder than in during 2006 – 2010. My #1 Goal in life was…

Self-Awareness is a Rich Habit

“In other living creatures, the ignorance of themselves is nature, but in men, it is vice.” – Boethius Self-awareness is an inherent human superpower. Among all living things, humans alone…

Calm Under Pressure

“Calmness, not skill, is the sign of a matured Samurai.” – Tsukahara Bokuden The greatest leaders and the most successful individuals have forged the habit of remaining calm under pressure.…

True Success is About Overcoming Adversity

A lot of people think that success is an event. One magical, transformational event. She or he was an overnight success. We’ve all read crap like that in the media…

Good Thoughts, Good Life. Bad Thoughts, Bad Life

In a recent Harvard University study on gratitude, researchers found that after 10 weeks of expressing gratitude daily, individuals in the study were more optimistic and felt better about their…

This Rich Habit Helps Keep Stress Away

Exercise has many beneficial health effects. Aerobic exercise, in particular, increases the volume of oxygen and glucose delivered to the brain, helping nourish brain cells. It also helps keep the…

The Rich and Poor View Relationships Very Differently

What’s in it for me? This is a common refrain of millions. Too many have been programmed to believe that one hand washes the other or scratch my back and…

Life Changing Resolutions for the New Year

If you want to change your life, you must change your habits. In my book Rich Habits I highlight which habits have the most impact over your life and in…

Multiple Streams of Income Are a Common Denominator for Many Self-Made Millionaires

Sixty-one percent of the self-made millionaires in my study were small business owners and 39% worked for some big company. Of the 39%, most were senior executives at those big companies…

Under Promise Over Deliver

Failing to meet expectations is the primary cause of unhappiness and discontent. Successful people make a habit of managing the expectations of those they serve. They understand that failing to…

You Will Never Start Unless You Start Now

Pursuing anything of significance in life, takes courage. Fear is the #1 reason for not taking action on your dreams and goals. Fear causes you to rationalize, to find excuses…

Managing Expectations is a Rich Habit

Various Studies indicate that the most common cause of unhappiness is unmet expectations. Most humans seem to have an innate tendency of setting unrealistic expectations. We expect too much of…

When You Surround Yourself With Success-Focused People, Success Has a Way of Rubbing Off on You

There is a great deal of science surrounding the impact our social networks have on us. Numerous studies have shown that we pick up most of our habits from our…

Surround Yourself With Those Who Get IT

Habits are contagious. They spread like a virus throughout your social networks. That is why it is critical to surround yourself with individuals who get it in life and separate…

Don’t Be a Lifestyle Copy Cat

It’s human nature, something hardwired into each one of us, to compare ourselves to those around us. Some good can come of it, especially when those within our social networks…

The Human Mind is Far More Complex Than Imagined

Your thoughts are physical things. Every time you have a thought, the brain cells involved in that thought send electrical impulses down through the Axon of the brain cell to…

How to Become an Expert

Anders Ericsson is the world expert on experts. What he found in his research was that experts practice deliberately every day. The Japanese call this Kaizen – continuous improvement. Daily Deliberate…

If You Want To Remember Something – Write It Down

Abraham Lincoln said that he never memorized a speech. Instead, he would re-write the speech down a minimum of three times. When he was done writing down the speech three…

Why You Can’t See the Obvious

There’s a famous experiment in which volunteers watch a video of two basketball teams, one wearing white shirts and one wearing black shirts, passing around a basketball. The volunteers are…

Exercise Slows Down Aging, Extending Your Life Expectancy

I was working out at the gym and was chatting with a friend. I told him that I woke up this morning and my back didn’t hurt, for some reason.…

Here’s Why So Many Vaccinated People Are Getting Covid

My Rich Habits Research has taken me down many rabbit holes: Neuroscience (Brain Science), Cell Structure, Cell Function, DNA/Genetics. And lately I’ve found myself drawn deep into Immunology (Study of…

Why Men Take More Risks Than Women

A joint study conducted by HSE University and the Max Planck Institute for Human Cognitive and Brain Sciences discovered that the Theta Brain Frequency in the brain’s Anterior Cingulate Cortex,…

How Memories are Formed

There are 5 ways we learn and form memories: Visual Learning – Watching Someone Engage in Some Skill Auditory Learning – Listening Reading Learning Tactile-Kinetic Learning – Physically Engaging in…

Sweating Boosts Habit Formation and Your Ability to Achieve Goals

Endocannabinoids are chemicals called neurotransmitters that are released by the Axons of brain cells. Dendrites have Cannabinoid receptors, called CB-1 Receptors, that receive the Endocannabinoids. Endocannibinoids are essentially Cannabis produced…

What is Consciousness?

We literally have two minds: The Conscious Mind and the Subconscious Mind. From a big picture neurological view, the brain is composed of four separate regions: Cerebral Cortex Limbic System…

A Case Study in Success

You may have heard of the Human Genome Project. This was the government funded effort to sequence the human genome. For nine years Craig Venter worked for the Human Genome…

Habits That Boost Your IQ

Contrary to what you may have been taught, your IQ is not fixed. It can increase or decrease during your lifetime. What causes your IQ to increase or decrease? A brain…

Most People Do Not Want to be Rich

I interviewed 361 rich and poor people over a five year period to learn why they were rich or poor. After peeling back that onion, I came to the realization that…

Important Lessons I Learned From Failing

The best advice comes from those who tried. So, listen closely to those who have tried to pursue wealth – their lessons are born from real-world experience. While most of…

Stress is a Trigger for Bad Habits

In a 2009 study on rats, conducted by Rui Costa of the Champalimaud Foundation in Portugal, in collaboration with the National Institute of Health, they found that chronic stress acts…

You Are What You Eat

Rich Habit #4: I will devote part of each and every day in caring for my health The food we eat passes from the mouth, to the esophagus, to the stomach, to…

Successful Author Shares His Mistakes, Failures and Lessons to Help Teach New Authors What To Do and What Not To Do

Prior to writing my first book, I had never written a book before, never promoted a book before and I knew no one who did any of those things. My…

Cultural Habits Can Be Good or Bad

Many of the behaviors, habits and thinking we possess are the result of the different cultures we are raised in. Without being aware of it, we are literally doing things,…

Avoid Destructive Comparisons

It’s hardwired into each one of us, at the time we are born, to compare ourselves to those around us. We are born with something called Mirror Neurons, which are…

Your Thoughts Become Your Reality

Repetitive thoughts, especially when tied to emotion, creates strong neural pathways (synapses) in the brain. Because these synapses are physical things, the brain is unable to distinguish between reality-thoughts or…

How To Become a Money Magnet

Self-Made Wealthy people are ordinary people who transformed themselves into money magnets. Here are some Money Magnet Strategies: Pursue Success – Those who succeed almost always seek out individuals who…

Your Perspective Affects Your Definition of Success?

I get a lot of emails every day, mostly from readers of my books, media articles or my blog. But every now and then I get emails from someone trying…

Proven Processes Guarantee Success

Last year I needed to build two shelves for my new shed. I never built a shelf before, so I went online and watched a YouTube video, which gave me…

Success Beliefs

In my Rich Habits Study I learned just how important your beliefs are for those pursuing success and wealth. The wealthy in my Study had very different beliefs than the…

Temporary Habits vs. Long-Term Habits

In my research on the habits of self-made millionaires I discovered two types of habits that these millionaires used to help them achieve success: Temporary vs. Long-Term Habits. Temporary Habits…

Questions That Help You Create the Life You Desire

It’s pointless to complain about your life, when you have no plan to change your life. Without a plan, you are like a leaf on a fall day, blown around…

How to Get Energized About Life

A global poll conducted by Gallup learned that only 15% of people are engaged at work. That means that an astronomical 85% of people are unhappy in their jobs.  While…

The Power Behind Positive Thinking is Emotion

Dr. Norman Vincent Peal’s blockbuster book, The Power of Positive Thinking, honed in on the importance of a positive mental outlook in living a happy, successful life. Millions around the…

Focus on You Strengths

“don’t water your weeds.” Harvey Mackay Have you ever compiled a list of the things you are very good at – things that come easier to you than to everyone…

Most People Are Like a Leaf on a Fall Day

According to the Pareto Principle: 20% of all activities produce 80% of all results. Stated another way: we waste 80% of our time on activities that are meaningless. How do…

Expect Failure and Fear Losses Its Power Over You

“Inaction breeds doubts and fear. Action breeds confidence and courage.” Dale Carnegie One of the biggest things holding people back from the pursuit of success is the fact that they…

The Hidden Rules to Success

Success Mentors are your best hope of breaking free of poverty or the middle-class. Almost 92% of the self-made millionaires in my study, who had a mentor, said they owed…

How to Achieve 100% of Your Goals

It is possible to achieve 100% of your goals. In this video, Michael Yardney and I discuss some of the strategies I uncovered in my Rich Habits research that make…

Habits That Separate Men and Women

Since 2004, I’ve devoted a significant amount of my time researching habits. One of the questions I often get asked by the media is: Are there differences between the habits…

The MVP of all of the Rich Habits – Reading to Learn

According to a study conducted by economists from the University of Padova, Italy, individuals who read for self-education earned 21% more as adults, than those who did have this growth…

The Pursuit of Success is Like Being Born Again

We often hear the phrase “born again” in the context of religion. Those who are “born again” go through a transformation that is almost always significant and dramatic. As their…

Your Habits, Good or Bad, Dictate the Circumstances of Your Life

When you think about habits, visualize a seesaw. On one side of the seesaw are your Bad Habits and on the other side are your Good Habits. If you have…

Make Rejection a Goal

Rejection is demoralizing, it saps you of your energy and can stop you dead in your tracks. We, therefore, seek to avoid Rejection. But rejection is part of the journey…

Four Words That Separate You From the Crowd

How Can I Help? The crowd is interested in one thing – themselves. Self-interest is a survival mechanism, hard-wired into every human being’s DNA. Most everyone you meet is out…

How to Build Trust

Some relationships, like family relationships/work relationships, are thrust upon you. Other relationships are sought-out. These sought-out relationships are often relationships with individuals who you believe can add value to your…

You Have the Power to Transform Your Life

In 2013 I did an interview with Dave Ramsey. After the interview, Dave decided to post an article about my research on his website: 20 Things the Rich Do Every…

Do You Have What it Takes?

Are you thinking about pursuing something you are passionate about? Maybe it’s a start-up, side business, writing a book, a new exciting career, an app or starting a blog or…

Automatic Success

What does it take to be successful at what you do? Successful people all share a common starting point – a clear vision of their future life. All “Visions” require…

What is Your Legacy Going to Be?

When you succeed, and are rewarded financially for your success, it has repercussions that, according to my research, affects future generations. I’m not just talking about money. Sure, wealth can…

Toxic Friends

Some time ago, one of my subscribers/followers reached out to me for advice. I’ll call her Jane. So, Jane was having relationship issues. Two of her childhood friends were creating…

Without Luck, Success is Impossible. The Only “Formula” That Works, Therefore, is the Formula That Creates Luck. Here is That “Formula”

In the personal development industry, the experts try to separate themselves from the competition by sharing their unique formula for success. Each self-help expert seems to have their own proprietary…

Productive Anger

Anger, next to love, is probably the most powerful emotion. For most, anger is catastrophic. It impairs your ability to think clearly by shutting down your prefrontal cortex – the…

Fear of Failure Pushes You To Become Better

“Great Achievers are driven, not so much by the pursuit of success, but by the fear of Failure.” – Larry Ellison You might think that all negative emotions hamper success.…

What Does Self-Made Mean?

I write quite a bit about self-made millionaires. Most of the comments I get on my articles are favorable and appreciative. But a minority of comments are unfavorable and very…

Smart Money Habits at the Three Most Important Stages of Your Life

When I travel the country speaking to high school and college students about exactly what they need to do to become financially successful in life, I always begin my presentation…

How To Pass Any Exam

Acing standardized tests comes easy to only a select number of individuals. Unfortunately, most perform at a subpar level and this holds them back from getting into their school of…

Cheat Sheet Method for Boosting Memory

I have to remember a lot. Tax law, financial planning rules/products, Rich Habits research … When I am interviewed by the media or preparing for a speaking engagement, I go…

Hidden Knowledge

Those raised in wealthy households have a huge advantage over everyone else. Besides having an abundance of resources, they have an abundance of class-specific knowledge that only other wealthy households…

Poverty is a Very Profitable Business

Many financial institutions, ones with strong ties to the media, politicians, businesses and influencers, depend on the existence of poverty. In fact, poverty income is one of their most profitable…

4 Common Traits of Self-Made Millionaires

In my book, Change Your Habits, Change Your Life, I highlight the common traits of every self-made millionaire in my Rich Habits Study. Here they the top four traits: Clarity…

The Desire To Be Wealthy Is Really About The Desire To Be Free

In my five-year study on the rich and poor, I took a lot of notes on the 356 people I interviewed. I asked both groups 144 questions. One of those…

Realistic Optimism

Wishful Thinkers believe they will succeed without putting in the work required to succeed. Those who play the lottery are a good example of Wishful Thinkers. The odds of winning…

Repeat These Words Every Day: “Become Better”

In a study published in the British Journal of Psychology, evolutionary psychologists Satoshi Kanazawa of the London School of Economics and Norman Li of Singapore Management University found that individuals…

How to Create Apostles to Help Make Your Dream a Reality

One of the many questions I asked during my Rich Habits Study was how rich people, before they were rich, were able to forge relationships with the Influencers who helped…

Why Are Some People Able to Glide Through Life?

Have you ever noticed that there are some people who seem to glide through life? For some individuals, it takes many years to get good at a particular task, while…

Your Destination Must Be as Clear as a Picture

Most have seen the Wizard of Oz. The focal point of that movie is the yellow brick road. Dorothy must follow the yellow brick road in order to get to…

Uncertainty is Part of the Journey to Success

Those who realize success, a dream, accomplish big goals or relentlessly pursue something they are passionate about are courageous and maybe even heroic. They’re heroic for one reason: they do…

There is One Shortcut to Success

You don’t have to reinvent the wheel to succeed. You don’t have to figure our what to do and what not to do, through the school of hard knocks. You…

The Fickle Winds of Fate Are No Match for Those Who Simply Refuse To Quit On Their Dream

Becoming a successful entrepreneur is not easy. Most entrepreneurs put everything on the line. They take courageous risks in the pursuit of their dreams. As an entrepreneur, you often feel…

Life is a Mirror

The circumstances of your life are a mirror of your habits, beliefs, emotions and your thinking. You see this mirror effect at work all the time. Someone walks into a…

Confidence is an Acquired Trait

Before I began my five-year Rich Habits Study, I held the belief that confidence was a prerequisite for success – something all successful people had. But I was wrong. Confidence,…

How Much Are You in Control?

The Locus of Control concept was first introduced in 1954 by Julian B. Rotter. Locus of Control is a measure of how much control one actually has over the outcomes…

Avoid People Who Do Not Value or Respect Your Time

There are people who consume your time without giving it any thought at all. These individuals will call you on the phone often, picking your brain endlessly. Or they will…

Habits Make Discipline Unnecessary

I was in the gym one day and overheard the following exchange between a woman and a man: Woman to Man: “Did you run today?” Man to Woman: “Not yet.…

The Empowered Artist Workshop 9.11.21

I am being interviewed for the Empowered Artist Workshop LIVE.  It will bring together seven experts and gallery owner/art consultant/author Bridgette Mayer who will be leading the discussions, interviews, and…

Those With a Positive Mental Outlook Have Bigger Brains

When you have a positive mental outlook, you automatically flood the brain with serotonin and dopamine, two neuro-chemicals that cause brain cells to create new connections (synapses) with other brain cells.…

What is Happiness?

Happiness is very subjective. What makes me “happy” might not make you “happy”. Also, how I define happiness may be different than how you define happiness. Happiness, therefore, is a…

Why and How I Track Everything I Do

As many of you know, I ‘m big on binders. I learned about this “Binder Process” from several of the self-made millionaires in my Rich Habits Study, who used Binders…

Find Your IT

How bad do you want it? “It” being the realization of a dream or long-term goal. The laziest individual, influenced by desire, will instantaneously morph into the hardest working individual.…

Inspiration is the Brain’s Door Bell – Never Ignore It

We literally have two brains: The Conscious Brain and The Subconscious Brain. The Conscious Brain -The conscious brain is the newest part of the brain. It has been around for…

Don’t Work – Produce Outcomes

Successful people do not “work” – they produce outcomes. One after another. A goal is nothing more than the pursuit of an outcome. You create outcomes by having a clear…

You Only Fail When You Quit or Die Trying

Michael Jordan, the first billionaire basketball player, failed to make his high school varsity basketball team in his sophomore year and was sent down to his junior varsity team instead.…

Goals and Dreams Fire Up Your Brain Cells

Your brain is exposed to 11 million bits of information per second. Unfortunately, the brain can only process 40 bits of information per second. So, how does the brain decide…

Two Powerful Relationship-Building Strategies That Have Stood the Test of Time

My wife has a lot of friends. More friends than anyone else I know. She is wholly invested in her friends, helping or leading in the planning of birthdays, weekend…

Smart, Happy People Pursue Goals/Dreams

In a study published in the British Journal of Psychology, evolutionary psychologists Satoshi Kanazawa of the London School of Economics and Norman Li of Singapore Management University found that individuals…

Workplace Gossip is the Kiss of Death – For Your Career

In my Rich Habits Research, one of the data points I found interesting had to do with gossiping. Ninety-four percent of the wealthy avoided gossiping vs. 79% of the poor,…

Successful Entrepreneurs Prepare for the Unexpected

If you’re a beach person like me, you no doubt have had this experience – in order to get to your spot on the beach, you have to trudge through…

Are YOU Holding Yourself Back From Success

At some level we all desire to be financially successful. Financial success solves many of life’s problems. Being financially successful means you no longer have debt, you no longer worry…

Enemies of Logic

Consistently good decisions lead to consistently good outcomes. The foundation of good decision-making is Logic. Making Logic a daily habit, therefore, is critical to success and living a life of…

How To Get Happy

Below are the top four Neurotransmitters produced by the brain. I like to call them Happiness Neurotransmitters because when you boost the production and release of these chemicals, it gives…

“Stretch-Goals” Create an Itch That Must be Scratched

In 1993 GE decided to upset the apple cart and force everyone within the organization to up their game. They did this by pursuing something Jack Welch called “stretch-goals”. “Stretch-goals”…

One Thing Almost Everyone Procrastinates On

There is one To-Do almost everyone procrastinates on – Confrontational To-Do’s. A Confrontational To-Do is a To-Do that can only be resolved by confronting someone about some problem they caused…

Every Successful Person Has This Habit

Not all habits are created equal. Some habits have more of an impact over your life than others. Some require more effort than others. Some create a sort of domino…

Entrepreneurs Are Extraordinary

Taking the entrepreneurial plunge is a messy process. In the beginning you will encounter nothing but problems, obstacles, mistakes and sometimes failure. In fact, 27% of the entrepreneurs in my…

Successful Entrepreneurs NEVER STOP CLIMBING

After five years of studying self-made millionaire-entrepreneurs, I discovered that there is a common path every successful entrepreneur follows, broken down into a series of steps: Make a Decision to…

Happiness Habits

Did you know that your habits can create happiness or unhappiness? Groundbreaking research done by Dr. Sonja Lyubomirsky of the University of California’s Riverside Campus, has shined a light on…

Habits Are Just as Contagious as a Virus

Nicolas Christakis, a Yale University professor and leading researcher on socially contagious behaviors, found that habits are contagious. Here are some of the discoveries he made regarding habits: Habits spread…

We Were All Brainwashed to Fear Failure

As a child, you are indoctrinated by the education system to see failure as a bad thing. Children who get too many failing grades, are even threatened with the prospect…

Big Ego, Big Problem

Ego is the perception one has of themselves. Having a healthy, normal ego means your view of yourself is accurate and realistic. Where ego goes off the tracks, is when…

Beware of Dream Vampires

If you’re pursuing a dream, some people you run into will seem sincere in their desire to help you move forward in realizing your dream. They will tell you that…

Exceptional People Are Like Diamonds – Very Rare

Most people you run into are average. They do what they have to do in order to pay their bills, raise a family and keep their jobs. I’m not criticizing…

Are You Using Only Half of Your Brain?

Have you ever seen pictures or video footage of people who were in “shock” following some type of horrible accident? In most of these pictures/videos, the individuals all look like…

If Procrastination Is So Bad, Why Do So Many Do It?

It’s clear, from numerous studies over the years, that those who make a habit of procrastinating, do not do well in life. Procrastination is action’s evil twin. It is the opposite…

A Negative Outlook Robs You of the Life You Were Intended to Live

One of the #1 traits shared by the self-made millionaires in my Rich Habits study was a positive mental outlook. The average net worth of those millionaires was $4 million.…

Positive Thoughts Create Positive Outcomes

The more you focus on the outcomes, the more certain those outcomes become. This is why it is critical to be in control of your thoughts and emotions. If you…

My Interview with Keisha Bailey

If you’d like to listen/watch my interview with Keisha, click here: https://www.masteryourmoneyseries.com/?utm_source=c&utm_medium=Tom&utm_campaign=infinite

Small is Big – It’s The Little Things That Create Success/Wealth

In the 2016 Kentucky Derby, Nyquist won a very close race and received $1,631,600. The second place winner took home $400,000. In the 2016 NCAA basketball tournament finals Villanova won…

Habits That Prevent Cancer

Cancer is the number two cause of death in the United States. A team at Harvard Medical School conducted a long-term study on the health data of about 140,000 health…

When You Change Your Habits, You Change Your Luck

In my five year study of the habits of the rich and poor, I discovered that luck plays a critical role in determining success or failure. In fact, 87% of…

Group Think is a Poor Habit

The human desire to be liked is hardwired into our DNA. It’s a vestige of the caveman days when human beings faced constant life-threatening peril at the hands of numerous…

It’s Not About Time Management – It’s About Priorities

Thanks to the discoveries I made in my Rich Habits research, I have learned how critical it is, to my success, to adopt the habits of self-made millionaires. One of…

How to Make Yourself Immune to Economic Calamities, Like a Pandemic

If the 2020/2021 Pandemic has taught us anything it is that economic calamities happen. Some are worse than others. Depressions are, by far, the worse type of economic downturn. But…

Unhappy at Work? Take The Career Quiz to Find Out Which Career Path is the Right One for YOU

When you are on the wrong Career Path, you will feel stuck and unhappy doing what you do. When you are stuck and unhappy in your career, it shows up…

How to Break Free From Toxic Friends

One of the most important Rich Habits is growing relationships with other success-minded individuals. These relationships lift you up in life and open doors that are otherwise closed to you.…

How to Boost Focus and Productivity in a World Filled With Distraction

The subthalamic nucleus is part of the limbic system’s basal ganglia. It is called into action whenever something in our environment catches our attention. Its intended evolutionary purpose is to…

When You Find Your Calling in Life, the Money Will Follow

Most of us do not figure out, until we well into our adult years, what we are really good at. As an example, after I completed my Rich Habits Study…

Decision Fatigue Can Be Very Costly – Here’s How to Prevent it

Each individual has their own unique reservoir of willpower energy. On average, willpower, or your ability to focus, lasts between 90 – 120 minutes. When you hit this willpower wall…

How To Find Your Calling in Life

All individuals, by virtue of their genes, are born with certain innate talents that set them apart from others. Only through experimentation will you be able to discover what those…

Successful People Don’t Play the Blame Game

Life has a way of going wrong. When things go wrong, our natural inclination is to blame someone or some thing. This knee jerk reaction helps protect our fragile egos,…

Leaders See What is Invisible to Everyone Else

One of the common traits of self-made millionaires is that they are leaders. Ninety-one percent of the self-made millionaires in my Rich Habits Study who pursued the Big Company, Virtuoso…

Here’s Why So Many Millennials Are Living Paycheck to Paycheck

PYMNTS.com recently released their Paycheck to Paycheck Report. Their research revealed that 70% of millennials live paycheck-to-paycheck. Worse, 60% of millennials earning over $100k also live paycheck to paycheck. Why?…

Successful People Make a Habit of Wowing Others

Have you ever been wowed? We remember wow events. They stick in our mind. Wow’s happen when someone does something for you, paid or unpaid, that wow’s you. It stokes…

Your Habits Define Who You Truly Are

Two out of every five minutes of your life are devoted to habits. This means 40% of the time we are all zombies, unconsciously thinking and acting. This is why,…

The Life of an Entrepreneur is a Hard One But Also a Very Rewarding One

Pursuing a dream leads you downs rabbit holes you’d otherwise never tread. For most, these rabbit holes take you way beyond your comfort zones. For those few brave souls who…

Six Common Blunders That Make Wealth Disappear

Sometimes rich people stop being rich. Things can go wrong. Sometimes those things that go wrong are outside the control of the wealthy (i.e. random bad luck) but more often…

5 Questions That Could Change Your Life

As I’ve mentioned often, self-awareness is a prerequisite to change. If your life is not what you expected it to be and you don’t know why, self-awareness holds the key.…

From Janitor to Respected International Author Began With a Dream

If you find value in these articles, please share them with your inner circle and encourage them to Sign Up for my Rich Habits Daily Tips/Articles. No one succeeds on their…

Here’s What You Will Experience When You Pursue a Dream

Pursuing a dream is not easy. It’s actually very hard. And there are many emotions you will experience – some bad and some good. It’s important to know that those…

Join Me at Success Achievers Community

As many of you know, I am a big fan of SUCCESS Magazine and also a contributor. SUCCESS has created an online social media site where success-minded individuals can communicate…

The First Fifteen Minutes is the Hardest Part of the Journey to Success

A body at rest stays at rest and a body in motion stays in motion. This is one of Newton’s three laws of physics. Successful people are in perpetual motion.…

Children Raised By Super Parents Excel in Life – Here’s What it Takes to be a Super Parent

When parenting goes right, children excel in life, are upstanding citizens and add tremendous value to society. According my my Rich Habits research, good parenting helps shortcut success. Children who…

Successful People Do Not Make Assumptions

Assumptions are, by definition, the act of accepting a truth without definitive proof. When you have the Poor Habit of making assumptions, it will result in bad outcomes and cost…

How to Make the Right Decisions During Adversity

Things often go wrong in life. How you react is one of the keys to living a happy and successful life. Those who make the best decisions, in adversity, do…

The Courageous Attract Luck and Disciples to Their Cause

It was an early morning on the first day of spring. The farmer had just finished planting the last of his sunflower seeds. The ground was still cold and hard…

Daily Discomfort Forces Growth, and Growth is a Prerequisite for Success

When you do anything that challenges you, when you are learning something new or when you are meeting new people, you feel discomfort. Discomfort is a minor form of stress…

How to Teach Your Kids to be an Entrepreneur

Becoming a successful entrepreneur is not easy. I spent five years studying 177 self-made millionaires and I have to say, the entrepreneurs in my study were among the most courageous,…

What Inspires You?

A muse is someone or something that inspires you. It can be a person (i.e. mentor), or persons (i.e. your children), an idea (i.e. a vision of the future you)…

Famous “Failures”

“Our greatest glory is not in never falling, but in rising every time we fall.” Confucius As children we are programmed to believe that failure is bad. If you fail…

Clarity Creates Focus

In a University of Minnesota survey conducted by Eric Klinger, PhD, he found that the average human being only concentrates on what they’re doing 1/3 of the time. The other…

How to Remove Negative, Limiting Beliefs and Replace Them With Positive, Uplifting Beliefs

Many of your current daily habits are the offspring of your values, goals, dreams and also your beliefs. Habits that spring forth from your beliefs are among the hardest habits…

Reach for the Stars and If You Miss, Grab Some Clouds

“I’m a dreamer. I have to dream and reach for the stars, and if I miss a star then I grab a handful of clouds.” Mike Tyson It’s not easy…

Clarity is One of the Secrets to Success & Becoming Wealthy

“Take up one idea. Make that one idea your life. Think of it, dream of it, live on that idea. Let the brain, muscles, nerves, every part of your body,…

If You Want to Forge a New Habit – Start Tracking

Roy Baumeister is a renown behavioral psychologist whose studies and experiments have revolutionized our understanding of willpower. According to Baumeister, author of Willpower, the only sure fire way to stick…

Stress Makes You Do Bad Things

Stress decreases willpower, self control and weakens your resistance to old bad habits. Stress comes primarily from four places: Work Family Finances Health The key to not giving into the…

Whose Investment Are You?

Most people work for someone or some organization. From the perspective of the employer, their employees represent an investment – an asset of the company. From the perspective of an employee,…

The Longer it Takes, the Longer it Will Last

The average Red Oak tree takes 15-20 years to produce its first acorn. But it will produce acorns for up to 350 years, before it dies. Conversely, a Cherry tree takes…

Laughter Allows You to Think Better

Laughter is the best medicine. According to many studies, laughter has the following health benefits: Reduces blood pressure. Strengthens your immune system. Improves your breathing. Increases your energy. When life…

Exercise Makes You Smarter

Exercise increases your IQ! Here’s how: Blood has two primary functions: To carry nutrients (glucose and oxygen) to every cell in the body and To carry waste (free radicals) out…

The Power of Leverage

Leverage means using all of your assets, knowledge, skills, time and relationships to get what you want or need in life. As an example, successful people reach out to their…

The Power of Belief is Beyond Awesome

I recently read about a study conducted by Yale professor Bernie Siegel that opened my eyes. Prof. Siegel studied people who had multiple personalities. Amazingly, when one personality took over,…

Big Changes Start With Small Steps

The key to transforming your life is taking small steps. Those small steps get the ball rolling. Eventually, those consistent small steps, over many years, compound into massive change. In…

There’s No Such Thing as an Overnight Success

The media loves to highlight individuals who they see as an overnight success: Justin Bieber’s viral You Tube videos helped him get a record deal and instant fame. Joe Namath…

How Charles Darwin Transformed Himself From a Gambling Drunk Into One of History’s Greatest Scientists

Famed Evolutionary Scientist, Charles Darwin, was born into a wealthy family. The luxury of his family’s wealth gave him much free time. He squandered that time drinking, gambling, hunting and…

Find Some Shoulders to Climb On

Sixteenth century astronomer Galileo Galilei stood on the shoulders of 15th century astronomer Nicolaus Copernicus when he proved through his own experiments that Copernicus’ sun centered theory was correct. Sir…

Growth is Painful, But Necessary for Success

I have a business client who is on the path to success. I know this because he has many of the success traits and Rich Habits that I found in…

We Are Happiest During the Pursuit

The anticipation of getting something you want elevates your dopamine levels (happiness neurotransmitter) every time you think about that thing you want. This is why the pursuit of success, the…

Procrastination is Action’s Nemesis

Whether or not we’re aware of it, there are two wars raging inside each one of us: Taking Action vs. Procrastinating. When we take action on our dreams and goals…

Problem Solving Requires a Positive Mental Outlook

When we are exposed to some outside threat, we experience stress. Our fight or flight impulse takes over. Our new brain (neocortex, also known as conscious mind) shuts down and…

Boosting Creativity and Insight

Creativity and insight are neurological cousins. Inspiration and passion drives creativity whereas insight is typically driven by sweat of the brow analytical thinking related to a single specific problem you…

Luck is an Endless Stream That Never Stops Flowing

In my Rich Habits Study, I interviewed 233 rich people and 128 poor people. One of the questions I asked was, “Do you need to be lucky to be rich?”…

Stress is Good & Bad – How to Manage Stress

Imagine you’re part of a group of cave men, walking through the tall grass in the Savanna on the hunt for your next meal. Suddenly, a member of your group…

The Competition Isn’t as Tough as You Think

Most people are unsuccessful. They do not read or self-educate themselves. They prefer to spend time on social media, binging on streaming movies, watching sporting activities, engaging in drinking and/or…

How to Become a Self-Control Machine

Human beings are hard-wired for instant gratification. It’s a fossil of evolution which served us very well in the early days of humanity, where each day was a fight just…

The Famous Children of New Zealand Study Revealed the #1 Trait of Successful People

In the mid-1970’s a team of behavioral scientists, psychologists, health professionals and many other experts from different disciplines embarked on a comprehensive and ambitious study of over 1,000 children aged…

We Literally Have Two Distinct Brains

We literally have two brains: The Conscious and The Subconscious. The Conscious Mind The conscious mind is located in the brain’s topmost layers. It includes the neocortex and the lobes.…

Warning: Many Family & Friends Will Declare War on You if You Dare to Pursue Your Dream

Very few pursue their dreams, goals, life purpose or success. Such pursuits require changes that have a way of shaking up our lives. These changes affect those closest to us…

When You Have No Plan, You Are Like a Leaf on a Fall Day

If you look around you will see there are only a handful of self-made millionaires for every hundred people. And those self-made millionaires seem to be in perpetual motion. They…

Who is Your Success Hero?

I am very fortunate. I had 306 success mentors – the 177 self-made millionaires plus the 233 poor individuals I interviewed for my Rich Habits Study plus JC Jobs. The…

Yahoo Finance Article – Signs You’re Wealthier Than You Think

Cameron Huddleston Tue, 6 April 2021, 8:00 am·9-min read Prostock-studio / Shutterstock.com “When most think of wealth, they think about money,” said Tom Corley, author of “Rich Habits” and “Change…

Making That Courageous Leap into the Great Unknown

In my Rich Habits Study, there were four types of self-made millionaires: Saver-Investors, Big Company Climbers, Virtuosos & Dreamer-Entrepreneurs. The Dreamer-Entrepreneurs were by far the wealthiest, at an average net…

When You Transform Your Goals Into Daily Habits, Success Becomes Automatic

Success is a process that requires consistency. You must do certain, specific things every day in order to realize success tomorrow. These consistent daily activities are also known as habits.…

Successful Entrepreneurs are Luck Magnets

Fifty-one percent of the self-made millionaires in my Rich Habits Study were lucky. This 51% were made up primarily of Dreamer-Entrepreneurs, one of the four types of self-made millionaires, I…

How to Create an Avalanche of Success

It’s not easy changing habits. It takes time, persistence and awareness. But there is a shortcut to habit change that virtually guarantees your new good habits will stick. It’s called…

Pessimism Prevents Success & Perpetuates Poverty

A paper published by the University of Cologne in Germany in the May 2015 Journal of Personality and Psychology, in which more than 68,000 Americans and Europeans were studied, found…

Sleep Re-Sets Your Emotional Baseline and Helps Keep Your Emotions in Check

Unchecked negative emotions can alter or destroy relationships forever. The most destructive and costly type of negative emotion is anger. Allowing your anger to erupt hurts those closest to you…

Take a Risk on Yourself

In a paper published in the journal Social Cognitive and Affective Neuroscience by researchers at the University of Illinois, Urbana-Champaign, in which the brains of 46 teenagers were scanned, they…

Latest CNBC Article: ‘Rich Habits’ author: There is no one right way to build wealth — and that’s great news

Direct Link to CNBC Article Here: ‘Rich Habits’ author: There is no one right way to build wealth — and that’s great news https://cnb.cx/2PnbRM5 Over the course of five years,…

Here’s Why Exercise and Dieting Don’t Always Work in Helping You Lose Weight

For years we’ve been advised that the key to weight loss is to burn more calories than we consume. And many accepted this advice, put on their running shoes, or…

Finding That Motivation to Achieve Great Things

Every person has limitless potential to do and be something great. It does not matter where you start out in life – you can start out homeless and poor and…

Using Group Think to Transform Your Life

By the time the world woke up to the frightening emergence of the Nazi regime, Group-Think had already infected most of Germany. Somehow, someway, most of the non-Jews in Germany…

Optimists Rule the World

Have you ever run into an optimist? Most who do walk away upbeat, energized and optimistic – you feel better, just being in the presence of an optimist. Now contrast…

With Faith All Things Are Possible

It’s too bad, in my opinion, that the word faith has been co-opted by religious groups. Belief in God is a very personal thing, but not everyone believes in God.…

Reprogramming Your Brain From Negative to Positive

We really have two brains – the New Brain (neocortex) and the Old Brain (Brain Stem and Limbic System). The New Brain has only been around for a few hundred…

ABC News Morning Show in Utah – Hosts Devote Part of the Show to My Rich Habits Research – Pretty Cool

This was pretty cool and a nice surprise. ABC News’ Good Things Utah devoted a segment to my Rich Habits Research. Watch and listen here: https://www.abc4.com/gtu/what-people-at-the-end-of-their-lives-regret-the-most/

Your Relationships Drive Your Happiness

In 1938 Harvard University embarked on what would become the longest study of adult development. The study involved 724 men who were split into two groups: 268 sophomore students from…

Grit & Growth

If I were to boil success down to just two success traits they would be Grit and Growth. Those with Grit never quit on their dreams and their goals. No…

Success Hides Behind a Mountain of Mistakes and Failures

Even before I finished my analysis of the data I gathered in my five-year Rich Habits Study, I began sharing with others what I considered revolutionary, life changing information. At first,…

Curiosity is a Common Trait of Successful People

“Millions saw the apple fall, but Newton was the only one who asked why?” Bernard M. Baruch Curiosity was a common Rich Habit among the self-made millionaires in my study.…

We Are Millionaires – Here’s a Snapshot of Our Lives

In my five year Rich Habits Study, I got to know my millionaires very well. They had a lot in common. Below is a snapshot of a typical millionaire from…

The Law of Averages is the Entrepreneur’s Best Friend

When I was in my early 20’s, my friends and I started going to a very popular East Side dance club in NYC on Friday nights, called The Juke Box.…

Do You Hate Your Job?

If you were being honest with yourself, how much of your workday are you actually working hard? How much of your day are you operating at maximum potential? If you…

Do You Have a Burning Desire to Be Somebody?

The desire to be somebody of significance, drives many self-made millionaires, other than the Saver-Investor millionaires. Big Company Climbers are driven to rise up the ladder within their companies into…

Do You Have a Poverty Mindset? Find Out Here

According to A well-known study, conducted in 2013 by PEW Charitable Trusts, 70% of those born and raised in poverty, remain poor as adults. And this “cycle of poverty” continues,…

Your Beliefs Are an Anchor or a Rocket

The Story of the Elephant and the Rope My friend was passing a group of elephants one day and suddenly stopped. He was confused by the fact that these huge…

Overcoming My Tobacco Addiction – Daily Updates on My Fight to be Free

Hey, guess what? I’m not perfect. I love tobacco, especially chewing tobacco. My favorite is Skoal Pouches. I’d take a bath in Skoal if I could, I love it so…

Are You Raising Your Children to be Rich or Poor – 10 Bad Habits Parents Unknowingly Teach Their Kids

A study by Brown University, in which nearly 50,000 families were surveyed, concluded that habits picked up by children as early as age 9, will stay with them for life.…

Rich People Live Longer

A research report from the Brookings Institute found that rich people live longer than poor people. Rich men live 12 years longer than poor men and rich women live 10.5…

We Are All Our Own Worst Enemy

The famous story of the mild-mannered Dr. Jekyll and the demonic Mr. Hyde ends with the death of both. Mr. Hyde became Dr. Jekyll’s undoing at the end. Do you…

My Favorite Self-Help Books

I have received numerous emails asking me to provide a list of the best self-help/inspirational books I’ve read. Here’s my list: How to Win Friends and Influence People Psycho Cibernetics…

Can Golf Make You More Money?

Jordan Fuller What if spending a few hours in the fresh air, partaking in a hobby you enjoy, and relaxing could actually end up making you more money? It may…

Successful, Wealthy People Jog More Than the Non-Rich

According to my Rich Habits research data, the rich exercise much more than the poor. Now, my youthful indoctrination taught me that rich people didn’t work nearly as hard as…

Zombies Never Get Rich

What makes a zombie a zombie? Zombies have no self-awareness. They are driven only by unconscious, instinctual behavior. They are on autopilot, oblivious to their surroundings. They are non-thinking beings,…

Success Enjoys the Company of the Persistent

Shortly after I completed my 8 month analysis of the data I gathered in my five-year Rich Habits Study, I began sharing it. At first, I gave something I called at…

Get Healthy – Your Success Depends on it

I’ve written extensively about the Rich Habit of eating less and eating healthy because I discovered in my Rich Habits Study, that’s what rich people do. Rich people exercise almost…

Are You Willing to do What it Takes to Become Rich?

One of the most revolutionary and groundbreaking discoveries I made in my five-year Rich Habits Study, was the fact that there are Four Paths to Wealth. I cover these paths…

My Interview on High Achievers Success Secrets Online Event This February 27th

I will be on the High Achievers Success Secrets online event. My specific interview is scheduled for February 27. I will be covering: The Four Paths to Wealth, Dream-Setting, a…

Do You Have the Right Personality to Become Rich?

One of the most revolutionary and groundbreaking discoveries I made in my five-year Rich Habits Study, was the fact that there are Four Paths to Wealth. I cover these paths…

Follow These Three Rules and You Will Become a Multi-Millionaire

From my Rich Habits Study and my ongoing Rich Habits research, I’ve learned an enormous amount about what it takes to become wealthy. One of the most revolutionary and groundbreaking…

Financial Habits That Create Wealth

Since 2004, I’ve been immersed in studying what to do and what not to do in order to become wealthy and avoid poverty. From my Rich Habits Study and my…

Give 80% to Your 20%

What is Your 80%? It is your Time (Knowledge/Skills), Money and Focus. What is your 20%? Family, Close Friends, Constructive Relationships, Worthy Causes, Influencers and Products/Services/Customers/Clients that generate the Highest…

Negative Thinking is Bad for Your Health

Psychology Today reported in 2013 that 70% of our thoughts are negative. In 2005, The National Science Foundation did some research on how humans think. They found that humans had…

Is Poverty Your Fault?

A well-known study, conducted in 2013 by PEW Charitable Trusts, found that 70% of those born and raised in poverty, remain poor as adults. This “cycle of poverty” continues, generation…

Here’s Why Successful, Wealthy People Make a Habit of Remembering Names

Our names are one of the most important things to us. They are even more important to us than our birthdays. When someone remembers your name, it feeds your ego.…

Not All Goals Are Good Goals

You hardly ever hear anyone talk about goals in a negative context. Goals are almost always perceived to be good. But there are goals that add no real value to…

What Were You Born to Do?

When you find your life’s purpose, that thing you were born to do, you know it. There is no doubt. You are 100% certain. If you have any doubts about…

In Search of Wow!

Isn’t “Wow” the best word ever? Every time I write an article for some media outlet or for my Rich Habits website, in the back of my mind I’m in…

16 Habits That Transformed 177 Ordinary People Into Self-Made Millionaires

Your daily habits are the reason you are rich, poor or stuck in the middle-class. They are the reason you live in the house of your dreams or a shack.…

Abundance Breakthrough Live Event With Tom Corley

I will be speaking at the Abundance Breakthrough Live Event this January 26, 11:45am (Eastern Standard Time). If you’d like to listen, click here: https://carrierobson.kartra.com/page/abundancebreakthrough/barbarahuson

Good Luck and Bad Luck is a Matter of Choice

Life rewards you with good luck when you make good choices and punishes you with bad luck when you make bad choices. It is a universal law: bad choices –…

Growth and Improvement Boosts Happiness

We all tend to be happy when we feel we are on the right path, moving in the right direction. Steady improvement, or growth, especially in our careers, makes us…

Raising Financially Savvy Kids

Does the high school or college your child attends teach them about: Student Loans How to Manage a Bank Account Leasing or Buying a Car – Leasing Agreements and Car…

Self Interest Drives Spending

Self Interest drives almost all human behavior. It is a “selfish” trait hardwired into human DNA for purposes of increasing your odds of survival in a sometimes dangerous and often…

Listen In to My Success Habits Broadcast

I will be a guest on the StreamYard Broadcast January 21, 2021 8pm EST to share the Success Habits of Self-Made Millionaires. Here are the links to listen in: YouTube:…

What Makes You Want to Transform Your Life?

Many are not at all happy with their current life circumstances. Some, accept their misery, as if it were a prison sentence, while others embark on massive change that completely…

Tax Implications of Incentive Stock Options

If you receive stock options as part of your employee compensation package then you are one of the lucky ones. This article is intended to shine a little light on…

Mind Control is Real

“Be discriminating about what images and ideas you permit in your mind.” – Epictetus You may not like to hear this but your mind is being controlled. Who’s controlling your…

Getting Locked In

In the early 90’s, I went to grad school at night three days a week, after work. I had three very young kids at the time. I remember how hard…

Who Had the Greatest Positive Impact on Your Life?

For most people, their parents were the greatest influence on their lives. Certainly for the millionaires in my Rich Habits Study, their parents were their primary Success Mentors in life.…

I Asked Richard Branson How Hard He Works – His Answer Forced Me to Change My Business Model

When you are doing something you like or love, time seems to fly by. They call it the State of Flow. And whenever you find yourself in a State of…

What Type of Household Were You Raised In?

Growing up, my Dad was the breadwinner and my Mom was in charge of the daunting task of raising eight kids – five boys and three girls. When my Dad’s…

Life is an Illusion

Life is an illusion. You transform the illusion of your life into reality through your thoughts. That illusion, or vision, is what nudges you to take actions that are consistent…

Optimists Accumulate More Wealth

70% of the people you run into in life are pessimistic and only 30% are optimistic. There are a lot of ingredients that go into the self-made millionaire stew. According…

Your Thoughts Alter Your Genes

Genes are Apps that can be clicked on or off. The mind drives the body, and the body’s response to your thoughts switches genes on or off. Examples When you…

When You Know Where You Want to Go, Life Has a Way of Showing How to Get There

Every person is trying to get from Point A to Point B. Point A being your current state and Point B being your desired state. Each of us has many…

Habits Eliminate the Grind

Grit is just another word for persistence. Persistence, above all other success variables, is the most important trait of successful self-made millionaires. Refusing to quit on a dream is the…

Knowledge Only Has Value When It Is Put to Use

One of the most common Rich Habits of the self-made millionaires in my Rich Habits Study was the habit of daily learning. Some of the millionaires learned by doing and…

Focus on the Process, Not the Outcome

It took the average self-made millionaire, between 12 – 32 years to become “rich”, depending on the path they chose to become wealthy. That’s a long time, don’t you think?…

CNBC Grow Article – Feeling Rich Part I

Direct Link to CNBC Grow Article Here: https://grow.acorns.com/how-to-feel-rich/?utm_source=twitter&utm_medium=social&utm_campaign=grow I interviewed 233 millionaires: Here’s the key to feeling rich, no matter how much money you make “If I can save $1,000,…

Common Rich Habits of Entrepreneur Millionaires

Rich Habits are the habits that were common among the self-made millionaires in my Rich Habits Study. As you know, there are 4 Paths to Wealth. Each path has unique…

Requirements to be a Successful Entrepreneur Millionaire

As you know there are 4 Paths to Wealth. Each path has its own requirements. Not everybody has what it takes to build wealth as a Dreamer-Entrepreneur. So, what does…

Common Rich Habits Among Virtuoso Self-Made Millionaires

Rich Habits are the habits that were common among the self-made millionaires in my Rich Habits Study. As you know, there are 4 Paths to Wealth. Each path has unique…

Requirements to be a Virtuoso Millionaire

As you know there are 4 Paths to Wealth. Each path has its own requirements. Not everybody has what it takes to build wealth as a Saver-Investor. So, what does…

Common Rich Habits of Big Company Climber Millionaires

Rich Habits are the habits that were common among the self-made millionaires in my Rich Habits Study. As you know, there are 4 Paths to Wealth. Each path has unique…

Requirements to be a Big Company Climber Millionaire

As you know there are 4 Paths to Wealth. Each path has its own requirements. Not everybody has what it takes to build wealth as a Big Company Climber. So,…

Common Rich Habits of Saver-Investor Self-Made Millionaires

Rich Habits are the habits that were common among the self-made millionaires in my Rich Habits Study. As you know, there are 4 Paths to Wealth. Each path has unique…

Requirements Needed in Order to Build Wealth as a Saver-Investor

Not everybody has what it takes to build wealth as a Saver-Investor. So, what does it take? Middle-Class Income – It’s hard to save when you are poor. Most of…

How to Reprogram Your Beliefs

We all talk to ourselves. Sometimes the self-talk is verbal and sometimes non-verbal. Non-verbal self talk are thoughts that pop into our minds from time to time and usually follow…

Personality Traits for Dreamer-Entrepreneurs

As many of you know, there are 4 Paths to Wealth: Saver-Investor Path Big Company Climber Path Virtuoso Path (Experts/Pros) Dreamer-Entrepreneur Path The path that is right for you, depends…

Personality Traits for Virtuosos (Experts/Pros)

As many of you know, there are 4 Paths to Wealth: Saver-Investor Path Big Company Climber Path Virtuoso Path (Experts/Pros) Dreamer-Entrepreneur Path The path that is right for you, depends…

Personality Traits for Big Company Climbers

As many of you know, there are 4 Paths to Wealth: Saver-Investor Path Big Company Climber Path Virtuoso Path (Experts/Pros) Dreamer-Entrepreneur Path The path that is right for you, depends…

Personality Traits of Saver-Investors

As many of you know, there are 4 Paths to wealth: Saver-Investor Path Big Company Climber Path Virtuoso Path (Experts/Pros) Dreamer-Entrepreneur Path Your particular personality dictates which path is suitable…

Successful People Have a Process They Use to Automate Success

Scott Adams is the creator of the Dilbert Cartoon series. Dilbert has made Adams very successful, and very wealthy. Because success always leaves clues, as part of my Rich Habits…

Boredom is the Brain’s Way of Telling You That You Are Not Living Up to Your Potential

Most are bored at work. But boredom is not necessarily a bad thing. It’s a wake up call to do something else. Boredom on the job is your brain’s way…

Don’t Run Away From Rejection – Pursue It. Two Simple Strategies to Deal With Rejection

The “NEXT” Strategy Jack Canfield and Mark Victor Hansen were struggling to get exposure for their book Chicken Soup of the Soul. Jack tells the story about how each rejection…

Take a One Month Sabbatical From Spending

Spending money on things does not create long-term happiness. Accumulating money does. Having money gives you peace of mind and a feeling that you are moving in the right direction.…

A Clear Vision of Your Future Life Gets You Un-Stuck

Individuals who make the most money and accumulate the most wealth are those who know what they want to do. They have a well thought-out plan and they pursue it.…

The Herd Doctrine Stops Most in Their Tracks

Human beings have a herd mindset that is simply overpowering. It’s what made Facebook, Twitter, Linkedin, Instagram, Snapchat & Tiktok possible. People simply want to blend in. They want to…

What is Persistence?

In my Rich Habits study I tracked over 360 data points on the differences between the rich and poor. To my surprise, the vast majority of these data points were…

You Were Indoctrinated to Avoid Failure

Since childhood we are indoctrinated to avoid failure. It’s embedded into our education system. As a child, you experience failure for the first time when you fail a test. The…

Why Do Some People Seem to Have the Midas Touch?

You’ve no doubt had your fill of stories about successful entrepreneurs who failed often before achieving success. Abraham Lincoln failed six times in politics before he was elected President of…

What Are the Most Important Post-College Rich Habits

DREAM-SETTING – I will define my dreams and then create goals around each dream. I will focus on my dream-goals every day. DAILY SELF-EDUCATION – I will devote at least…

Your Brain Loves to Learn

What happens to your brain when you engage in daily self-education? When you engage in learning, your brain releases a protein called Brain-Derived Neurotrophic Factor (BDNF). The release of BDNF…

My Interview With Angela Dumas – Money & Me Podcast

Angela Dumas is the host of the Money & Me Podcast. In my interview with Angela, I shared some of the top Smart Money strategies from my new book, Effort-Less…

Passion Power Trumps Willpower

Willpower is the ability to force yourself to focus on something for a limited period of time – typically 2-3 hours at any given time. Willpower is a limited resource…

How to be Wealthy Even When You’re Not – Part II

In Part I I covered one of the main strategies almost anyone can use to create an amount of wealth that will make you feel as if you are “wealthy”…

How to be Wealthy Even When You’re Not – Part I

In my Rich Habits Study I interviewed 233 wealthy individuals over an almost five-year period. I used a two-part test to help me qualify my wealthy subjects:   Net Liquid Assets of…

CNBC ARTICLE: This is the easiest way to grow wealth, says author who studied 177 self-made millionaires

Click Here for Link to CNBC Grow Article This is the easiest way to grow wealth, says author who studied 177 self-made millionaires “Rich Habits, Poor Habits” author Tom Corley…

Successful Entrepreneurs Use This Trick to Stay Positive and Never Quit on Their Dream

When you pursue any dream it can become an emotional roller coaster ride. What adds volatility to that ride is unmet expectations. Your dream creates the long-term vision that keeps…

Unlocking the Door to Happiness

True long-term happiness is found in doing work that you love and which, at the same time, enables you to meet your needs and financial obligations in life. According to…

Show Me Your Friends and I’ll Show You Your Future

One of the most important roles of a parent is monitoring and influencing the type of friends they allow their children to associate with. Parents who take this role seriously, do…

How To Increase Self-Control, Grit and Determination

Neuroscientists and research psychologists are revolutionizing our understanding of why we do the things we do. In particular, they have stumbled upon cutting-edge scientific evidence that most of our problems…

CNBC Grow Article: 177 self-made millionaires told me about their wealth-building habits: Here are 3 of the best

“Effort-Less Wealth” author Tom Corley, a CPA and CFP, shares three strategies that self-made millionaires use to grow their wealth. Published Fri, Oct 9 20201:46 PM EDTUpdated Sat, Oct 10…

The Entrepreneur Journey is a Walk Through Hell

“If you’re going through hell, keep going.”  Winston Churchill If anyone knew what walking through hell was like it was Winston Churchill. Every day his country, particularly during the blitzkrieg,…

Personality Traits of People Who Add Value to Your Life (Rich Relationships)

The pursuit of success is hard. What makes it easier, what improves your odds of achieving success, is surrounding yourself with Constructive Relationships. These individuals add value to your life.…

Personality Traits of People Who Will Drag You Down (Toxic Relationships)

If you are pursuing success, you need to avoid or limit your dealings with Toxic people. Toxic people do not add value to your life. In fact, they are a…

Reading, Aerobic Exercise & Learning a New Skill Makes Your Brain Bigger & Boosts Your IQ

Neuroplasticity is the process in which the brain changes over time. Our brains have stunning powers of neuroplasticity well into adulthood. When we form a new habit, neuroplasticity occurs and…

Stay Away From Making Decisions When Sick, Tired or Hungry

Have you ever brow beat yourself over a decision you made? “What was I thinking?” Well, the problem is that you were likely not thinking, or, not thinking clearly. Glucose…

How to Stop Being Poor

After many years of studying wealth and poverty, I have come to the conclusion that poverty as an adult, is a mental state. I like to refer to it as Poverty…

If You Want to Be Respected You must Train Others to Respect You

Selflessness is considered a noble trait. Selfishness, on the other hand, is considered a character flaw. Society reveres the selfless and demonizes the selfish. Those who are selfless are admired…

If You Feel Stuck That’s Because You’re Not Doing What You’re Supposed to be Doing

“I’m as mad as hell and I’m not going to take this anymore.” This line from the 1976 movie Network, became famous because it hit a nerve. There are many…

What Type of Learner Are You?

If you follow me, you know that one of the most common Growth Habits of self-made millionaires is self-education. For most of my “millionaires”, the knowledge they acquired came from…

Courage and Fear Wage War Inside Each One of Us – the One You Feed the Most Wins the War

“Mommy, my teacher asked me if I would like to play the role of Juliet in the school play. She said I had the perfect face and voice for the…

The Power of Focus is Your Willie Wonka Ticket to a New and Better Life

Most people are completely oblivious to their behaviors, habits and thinking as well as behaviors, habits and thinking of others. Many studies have been performed on this unusual human tendency.…

What is the Definition of Wealthy?

I’ve been studying the wealthy and the poor since 2004. One of the things that I’ve noticed is that almost 100% of the time the media misinforms its readers with respect…

The Self-Made Rich Have Multiple Streams of Income

If you’re like most people, you’ve got one stream of income – your job. And if you’re like most people you are either poor or stuck in the middle-class.  If…

This Path to Building Wealth is the Easiest Path There Is

For five years, I studied the daily habits of 233 millionaires (177 were self-made millionaires) in order to find out what they were doing right. I also studied the daily…

Greatness – Some Pursue It, Others Attract It

Thanks to my Rich Habits research, I’ve accumulated an enormous amount of information and data on successful people. While most successful people go about their lives under the radar, a…

CNBC ARTICLE – The Easiest Way to Become Rich

Below is an article I contributed to CNBC 177 self-made millionaires told me about their wealth-building habits: Here are 3 of the best “Effort-Less Wealth” author Tom Corley, a CPA…

Snapshot of Your Average Multi-Millionaire

In my five year study of the rich, I got to be that fly on the wall. I asked each millionaire 144 questions, broken down into 20 categories. The insight…

Here’s Why Most People Are Lazy

We are hardwired to be lazy. And we have our brains to thank for it. The human brain is lazy. Or, looking at it another way, the brain finds ways…

Understanding the Brain Science Behind Habits (In 6th Grade English)

We don’t give much thought to our habits. Most people aren’t even aware of the habits that they have. And that’s a problem because, depending on the study, 40-60% of…

Emotion is the Enemy of Success

Spock and the Vulcans were on to something. Unchecked emotions are destructive, especially to those who are pursuing success. Emotions that run too high or too low puts you on…

Success is a Jungle Gym – Stay Focused on Your Destination

The pursuit of success is never a straight climb. You have to navigate many obstacles, recover from mistakes and overcome rejection or being ignored. The impediments to success force you…

The Happiness Gene

Every human being is born with a very special gene that has given us space flight, computer technology, the Mona Lisa, the Eiffel Tower, the Beatles, the iPhone, cures for small…

Happiness is a Habit

A January 2008 study on 973 pairs of adult twins, many of whom were identical, found that 50% of happiness was genetic. The remaining 50% was dictated by your behaviors,…

Everyone is Afraid

Fear, whether conscious or subconscious, holds most back in life. It’s very much like a boat’s mooring lines, tethering you to the dock, preventing you from venturing too far. The…

Who Do I Want To Be?

Successful, self-made millionaires almost always start their journey to success by having a clear vision of who they want to be in five years, ten years, twenty years, etc. They…

How the Rich Build Strong Relationships With Powerful, Influential People

Relationships are the currency of the wealthy. The wealthy make a daily habit of forging relationships with powerful influencers. They build these “Power Relationships” by following certain rules that I…

How To Magically Transform Your Life

If you want to realize any dream or achieve any goal you must first believe you can realize your dreams and achieve your goals. The power of belief taps the…

Success Can Only Flourish in a Free Market Society

There are eight factors or prerequisites that make success possible. Without these eight factors, there is no possibility for success and, thus, no reason to pursue success. #1 Free Market…

30 Destructive Beliefs That Will Keep you Poor

Human beings are amazing! We are the only species on earth with the capability to turn thoughts into reality. We dream. We dream amazing dreams. We create amazing things from…

18 Habits That Separate the Rich and the Poor

In my five-year study of the daily habits of the wealthy and the poor I tracked over 300 activities that separate the rich and the poor. Here is a sampling…

Many Successful People Are Copy Cats

Many successful individuals seek to mimic or model themselves after other successful people they admire. Typically, these are individuals within their same industry. This copy cat strategy helps you in…

Changing Your Habits is Easy – If You Know How

If you try to make massive habit changes all at once, you’re going to fail. Your new habits will only last a few weeks because massive habit change consumes an…

4 Traits That Separate the Rich from the Non-Rich

According to the Tax Foundation, only 5% of America’s households make enough money to be considered “wealthy”.  And this 5%, according to the Federal Reserve Survey of Consumer Finance, controls 60%…

Habits Alter Your Genes

Each one of us inherits 23 chromosomes from our Mother and 23 chromosomes from our Father. Residing on each one of those 46 chromosomes are genes. It is estimated that…

This Checklist Strategy Will Dramatically Improve Your Life

The aviation industry was one of the first industries to institutionalize checklists as part of their industry business model. Today, ground crews are required to complete checklists whenever a plane…

5 Laws Successful Entrepreneurs Follow

Many first-time entrepreneurs fail. And when they fail, everyone inside their inner circle suffers – spouses, children, business partners, their banks, creditors, and others feel the pain of their failure.…

Your Self-Image Drives Your Daily Habits

I was driving to my office one morning and noticed this guy in his mid to late 30’s walking along a path just outside a local park I pass on…

Entrepreneurs are Heroes

Home Foreclosure Divorce Bankruptcy Damaged Relationships Disenfranchised Family Members Retirement Savings Wiped Out Home Equity Wiped Out Massive Debt Constant Stress Significant Time Invested Foregoing a Salary Twenty-seven percent of…

Outliers Change the World

Of the Four Paths to Wealth, which I discovered thanks to my Rich Habits Study, the Dreamer-Entrepreneurs represent the most unique group. What makes them so unique? They are Outliers.…

Advice to Your Children on Finding Their Main Purpose in Life

This is a letter I wrote to my three children, many years ago, just as they were morphing from children into adults. Dear Kids: You have all grown up so…

Money Does Buy Happiness – And Here’s the Proof

You’ve no doubt heard the saying “money doesn’t buy happiness”. It’s very likely you heard it from your parents or someone who was not wealthy. The problem with that ideology,…

What is Your Magnum Opus?

Everyone should have one thing they are pursuing that, when achieved, helps set them apart from everyone else. It should be something they are doing on the side that is…

How to Eliminate Sadness or Depression

Edgar Allen Poe suffered from depression. If you lived his life, you probably would have been depressed too. He was born in 1809 to a couple of actors. He was…

Sleep is More Important Than Exercise and Healthy Eating – Here’s What Happens While You Sleep

Getting a lot of sleep is vitally important when you are sick. In fact, it is so important, the body puts you into something called Sick Sleepiness in order to…

Can You Really Trust the Voice Inside Your Head?

I have some bad news for you. All of those self-help gurus who have been telling you to trust your intuition, to listen to the voice inside your head, have…

Are Women Better Decision-Makers Then Men?

In John Gray’s popular book, Men Are From Mars, Women Are From Venus, he highlighted many of the psychological differences between men and women. Gray noted that men and women…

Turns Out There’s a Very Good Reason the Poor Gamble the Most

Poor people have many bad habits: they eat too much junk food, they don’t exercise enough, they have poor money habits, they watch too much TV, they don’t read books,…

How Do You Find Your Main Purpose in Life?

When you find your life’s purpose, that thing you were born to do, you know it. There is no doubt. You are 100% certain. Conversely, if you have any doubts…

If You Want to Live Longer – Eat Less

How much you eat may very well determine how long you live. In a report issued by Roderick Bronson and Ruth Lipman of the Human Nutrition Research Center at Tufts…

7 Reasons Why You Make Bad Decisions

I love to study both rich and poor people. They always have pearls of wisdom, forged in the fires of experience, that force you to reevaluate your habits, thinking and…

Overcoming Your Limitations Leads to Growth, Which Leads to Success, Which Leads to Wealth

You can never truly know your limitations, until you test them. Individuals who succeed in life, in particular Dreamer-Entrepreneurs, know their limitations because they pursue dreams and goals that test…

Your Habits Can Boost Your IQ or Turn You Into Forrest Gump

These four statistics from my Rich Habits Study data caught me by surprise: 21% of the wealthy were “A” students. 41% of the wealthy were “B” students. 29% of the…

Business Owners Beware – Employee Habits Will Become Your Company’s Habits

Do your employees have good habits? Do they have bad habits? If you don’t know, you should, because habits spread like a virus within every organization. And if those habits…

Why Is Aerobic Exercise Important to Building Wealth?

In my five year Rich Habits Study, aerobic exercise kept showing up on the rich person side of the ledger. In fact, 76% of the wealthy in my study said…

Why Your Habits Matter

Habits have a purpose. They save the brain from extra work, which frees up glucose to be used to fuel higher brain functions, such as planning, decision-making, creativity, innovation, the…

Rich Habits vs. Poor Habits

Your daily habits are the reason why you are rich, poor or stuck in the middle-class. Daily habits are the cause, financial circumstances, the effect. The Rich Habits are unique…

OK, Your Poverty is Your Parents’ Fault – Now What Are You Going To Do About It?

One of many interesting revelations revealed to me in my Rich Habits Study was the importance of parenting with respect to your adult financial circumstances. The impact parents had on…

Want Spending is Why There Are So Few Millionaires

Your best friend just put in a beautiful granite kitchen countertop. They have a little get together with you and other friends to show it off. As you drive home,…

How To Read More Books

Reading is a Rich Habit. Eighty-eight percent of the self-made millionaires in my Rich Habits Study, read 30 minutes or more every day. Typically, what they read related to what…

Ideologies of the Non-Rich

Ideology is subconscious programming, forged primarily in the fires of childhood. We typically pick up our ideologies from our parents. But we can also forge ideologies during our lives through…

Habits = Values in Motion

We build our habits around our values. Habits are really deliberate, repetitive actions spurred on by our values, meaning habits are our values in motion. But what then are values?…

Your Values Determine Your Habits

Every Friday night, JC Jobs would go to Huddy’s Inn, one of his favorite watering holes in Colts Neck, NJ. There, on every Friday, he would order a steak and…

Find Cheerleaders and Avoid Booleaders

“I have yet to find the man, however exalted his station, who did not do better work and put forth greater effort under a spirit of approval than under a…

Adversity is Not Your Enemy

Every Dreamer-Entrepreneur is spurred into taking action by one common, powerful emotion – Hope. Hope drives Dreamers to manufacture goals around their dreams and those goals help focus all action.…

5 Common Bad Money Habits of the Poor

Self-awareness is a Rich Habit. Lack of self-awareness is a Poor Habit. Only through awareness can you overpower neurologically-based, instinctive urges to spend money. Self-awareness short circuits the neural hard-wiring…

The Rich Make Their Own Luck

In my role as a CPA and CFP I have the honor of advising many clients in matters of personal finance, taxes, insurance and wealth creation. According to the IRS,…

Wealthy People Have 58% Fewer Problems

I spent many years studying the rich and the poor in my Rich Habits Study and found that there were twelve problems almost everyone has to contend with in life:…

All Debt is Not Bad Debt

As I’ve written often, there are four paths to wealth: Saver/Investor Path – Save and invest 20% or more of your income. Big Company Climber Path – Climb the ladder…

True Happiness Requires Freedom

Those who are truly happy are free. But what does freedom mean? Freedom is not one thing. In fact, it is many things: Financially Free – You are financially free…

When You Put Everything on the Line, Failure is No Longer an Option

Those who are satisfied with the status quo of their lives, do not feel compelled to push themselves to grow in order to reach a higher level of achievement. So,…

The Wealthy Just Work Harder Than Everyone Else

According to my Rich Habits study, one of the reasons the wealthy accumulated so much wealth was due to the fact that they worked more hours than those who were…

Rich Thinking

Your habitual thoughts drive your daily activities. Those with a positive mental outlook engage in activities that mirror their upbeat thoughts: They Pursue Knowledge – Those who succeed, are open-minded.…

Everything Gets Easier When You Are Doing What You’re Supposed To Do

Success takes a long time, for those who succeed. Unfortunately, very few succeed. Why is success so elusive? Most individuals who are pursuing financial success are doing it wrong. What…

Me First Is the Philosophy of The Non-Rich

In order to get, you must first give. It is one of the universal laws of success that has never changed. You must first give value to others if you…

Change Your Habits – Change Your Life

Roy Baumeister is a renown behavioral psychologist whose studies are revolutionizing our understanding of willpower. According to Baurmeiser, author of Willpower, the only sure fire way to stick to a…

A Guaranteed Way to Become Rich

In my five-year Rich Habits Study I discovered four ways the self-made millionaires in my study accumulated their wealth: Saver-Investor Path Big Company Climber Path Virtuoso Path Dreamer-Entrepreneur Path The…

5 Common Myths About Money

Myth #1 Investing in the Stock Market is the Same as Gambling Thirty-six percent of the self-made millionaires in my study were what I like to call Home Depot Investors.…

The Foundation of Success is Built Upon the Same 4 Pillars

For those of you who are pursuing success and wealth by following the Dreamer/Entrepreneur Path or the Big Company Climber Path, you know all too well that success isn’t easy.…

Smart Money Habits At EVERY Stage of Your Life

In my book, Effort-Less Wealth – Smart Money Habits At Every Stage of Your Life, I share 22 Smart Money Strategies that I discovered from my Rich Habits Study. According…

Becoming Rich is About Hard Work, Persistence and ….. LUCK

I’ve written often about the four paths to wealth: Saver/Investor Path Big Company Climber Path Virtuoso Path Dreamer/Entrepreneur Path The Dreamer/Entrepreneur Path is the hardest of the four paths to…

What is the Best Way for YOU to Become Rich?

To know thyself is the beginning of wisdom. – Socrates One of the most profound discoveries I’ve made in my five-year Rich Habits Study, was the fact that there are…

How the Rich Are Able to Get Others to Help Make Them Rich

“One hundred organized men can always defeat one thousand disorganized ones.” Lenin One of the common attributes of self-made millionaires, from my Rich Habits Study, was their ability to forge…

Stop Pissing on Yourself

My youngest daughter, who normally lives in New Orleans, came home for a little while, which made me very happy. Anyway, she has a Bernedoodle (Bernese Mountain dog/Standard Poodle), named…

Affordable Care Act Supreme Court Case Protective Claim Filing Template To be Sent to the IRS

July 14,  2020Attn: Internal Revenue Service Your Name: Your Address:   Taxpayer’s SSN:  Spouse SSN:  Phone: Tax Year 2016 – Form 1040 This letter is our formal written Protective Claim…

Unsuccessful People Gossip

In my Rich Habits Study, one of the data points I found interesting was about gossiping. Ninety-four percent of the wealthy, successful individuals in my study avoided it vs. 79%…

The TV Time-Wasting Habit Will Keep You Poor

According to a recent survey conducted by OnePoll, on behalf of LG Electronics, the average person in the UK watches 1,248 hours of TV a year. If you do the…

We Were Able to Land on the Moon Because We Have Habits

When you perform any task, brain scans show activity in two areas: the Prefontal Cortex and the Hippocampus. When you continue to repeat a task, brain scans show a shift…

Successful People Remember Everyone’s Name

Our names are one of the most important things to us. They are even more important than our birthdays. When someone remembers your name, it feeds your ego. You feel…

The Most Successful People Don’t Learn From Their Mistakes – They Avoid Making Them

Many business owners and entrepreneurs were part of my Rich Habits Study (51%). The information they shared with me about their daily habits, I consider revolutionary and invaluable. Interestingly, many…

One Powerful Habit That Will Boost Your Intelligence

In my Rich Habits Study, 88% of the wealthy read an average of 30 minutes each day, strictly to gain knowledge. Their reading topics? Career/Industry-Related Self-Help Educational Biographies of Successful…

Why People Do Stupid Things With Their Money

In my Rich Habits Study, I had the fortunate opportunity to peer into the lives of 128 individuals who struggled financially in life. My goal was to figure out the…

The Incredible Powers of the Human Mind

Hardly anyone thinks about their legacy – the impact of the life they leave behind. We really only give it some thought when we read an obituary of someone we…

Relationships Are the Currency of the Wealthy

The rich do not build relationships with just anybody. They focus like a laser on building something called Power Relationships. Power Relationships are individuals who are: Centers of Influence Decision-Makers…