Tag Archives: think and grow rich

Habits of Rich People

These habits define rich people. If you adopt the habits below, you will be on the path to a wealthy life as well.

Junk Food

Unless you feed yourself properly, you will not feel well and, in turn, you cannot think well. Focus on healthy fats, protein, vegetables, and fruit. 


The lottery is otherwise known as the Fool’s Tax. You can never become rich if you use a significant amount of your income for gambling. 

Singular Goals

Wealthy people set a single clear goal and set out to achieve it. 


Exercising and eating well go hand in hand. Exercising boosts your energy and mood. Find something you enjoy like walking or running.

Audio Books

When you are taking a walk or commuting to work, listen to educational or inspirational audios—feed your brain.

To-Do List

Before you go to sleep, create a to-do list for the following day, even for small things. When you cross them off you will feel motivated!


To enjoy non-fiction books, look for subjects that you find interesting.


Volunteering increases happiness. Another thing, you can make valuable connections while volunteering which may prove helpful in future. 

Happy Birthday!

People with close social relationships tend to be happier. The happier you are, the more successful you are likely to be. When you remember your loved ones’ birthdays, you foster the relationships. 

Write Goals Down

Writing your goals down increases your chances of achieving them. When something is written down, it remains at the forefront of your mind.


Reading should be a part of you. Find books that teach you something.

Bite Your Tongue

Learn to pick your battles. You do not have to speak your mind every time. Sometimes you must be quiet even when someone is being difficult.


Who you know matters! Your next big job can come from anywhere. Attend Meet Ups and industry events.


There is almost nothing good about watching TV.  Instead of wasting time, do something beneficial such as visiting a friend, reading a book, or making a healthy meal.

Reality TV

Watching TV can be justified but watching reality TV is just dumb. This cannot be said nicely. If you watch reality TV, you need to be better.

Wake Early

Early hours are quiet and peaceful. Use this time to be productive because you have no one to interrupt you. Waking up early also allows you to start your day calmly.

Teach Habits

This is more about adopting good habits so your children can copy them and less about teaching them.


Many wealthy people believe that if you have good habits, you will have better opportunities.

Bad Luck

When you foster bad habits, be prepared for bad outcomes. For instance, failure to floss may lead to gum disease and, in turn, expensive dental work.

Be Learning, Always

Never stop learning. Take a dancing class, learn new skills—just learn something.

Love to Read

The importance of reading cannot be emphasized enough.

Many successful people will tell you that reading has partially contributed to their success. Before Elon Musk became Tesla CEO, he read for 10 hours every day. Bill Gates, Microsoft CEO, completes one book every week. 

Warren Buffet

Buffet spends 5 to 6 hours daily reading newspapers. He makes sure to read five different ones. He also goes through 500 pages of investment documents and recommends this to all investors. According to him, knowledge works like that. Like compound interest, it builds up. Everyone can do it, he says, but not many won’t do it. 

Bill Gates

Formerly the CEO of Microsoft, Bill Gates says that he reads 50 books a year. This roughly translates to one each week. 

Most of the books he reads are non-fiction and deal with science, business, engineering, disease, and public health. Occasionally, he reads a novel. However, he is more interested in books that make him more knowledgeable about the world. 

Mark Zuckerberg 

In 2015, Mike Zuckerberg revealed in a Facebook post that he intends to read a new book each week. He said that he was interested in learning more about technologies, histories, beliefs, and cultures. He said that books cause you to explore something fully and get deeper into it. 

Oprah Winfrey

The talk show host has been encouraging her viewers to read since 1996. She says that reading is her path to freedom. For her, books allowed her to see a world beyond her grandmother’s house. They opened her eyes to possibilities that went beyond what was acceptable at the time.

Mark Cuban

Mark is the owner of Dallas Mavericks. He is always saying that you should treat your business like a sport. That means looking for the competitive edge in every possible way. For him, it means three hours of reading each day so he can learn about various industries. Mark asserts that this was very fruitful when he was starting his career. All the things he read were public. The books and magazines are accessible to anyone. The information he acquired can be accessed by whoever wants it. However, he says, many are not interested.

David Rubenstein

Rubenstein is the cofounder of The Carlyle Group. He reads about six books every week and almost eight newspapers every day. He attributes this extraordinary ability to his laser-like sense of focus. David says that he has always been driven from an early age. 

Phil Knight

This Nike founder had a library at the back of his executive office. He kept it sacred and asked anyone who entered take off their shoes and even bow. 

He stepped down as the CEO, but he says that the library still exists.

Elon Musk

Musk co-founded PayPal and is now the CEO of Tesla. However, before all that, he dedicated 10 hours each day to reading science-fiction novels. That is how he became knowledgeable about rockets. You have come across people who look like they have it all together.

They happily and successfully manage their responsibilities, careers, and families. How do these people manage to juggle so many things with ease while you can barely do one thing without getting frustrated? These are the same people that win the race, get promoted, never appear stressed, and everyone admires them. This is their secret. They get enough sleep. People who sleep properly are happy, focused, and successful.

Sleep helps recharge your body and brain. When you are feeling tired, you will jump from one task to another without clarity. You, like everyone else, want to be the best version of yourself in parenting, your career, or whatever you do. The modern life is so busy, and sleep is a luxury for many people.

You always hear the saying “I’ll sleep when I’m dead” often. This is a mistake. Sleep is an important factor if you really want to achieve your goals. Poor sleep habits will wear you out. You will begin to break down. You become moody and irritable.

If you continue depriving yourself of sleep, you may experience anxiety and hallucinations. You will be emotionally flattened, and your relationships will take a blow. Your ability to remember will lessen, causing cognitive delays. You may get into substance abuse. You may start getting micro-sleep. 

Sleep Don’ts

Avoid eating right before bed. Eat three hours before you go to sleep. Stay away from alcohol and caffeine. Alcohol may make you drowsy at first, but it can cause you to wake up many times during the night. Use your bed for sleep only, not TV, not work; just sleep. Turn off the lights. Bright lights repress melatonin, the sleep hormone. Avoid sleeping too much. Oversleeping does more harm than good. Eight hours of sleep is enough for an adult. 

What to Do

Meditate: stress is the leading cause of sleeplessness. Learn to turn off your mind.

Positive thinking and organization: before bed, write down all the positive things that happened during your day. Also, make a to-do list for the following day.

Exercise: do this late afternoon or early morning. It makes you feel better and aids sleep.

Hydrate: stay hydrated all through the day.

Relaxation tea: the aroma itself will relax you and get your body ready for bed.

Wake up early: this is a key factor if you want to be successful. It makes you start the day in calmness without rushing.

Maintain a sleep schedule: have a routine. Sleep at the same time and wake up at the same time every day.

Keep your room cool: 650F is perfect according to research.

Life goes on: solve what you can and don’t worry about what you cannot solve.

Laugh: humor and laughter make you stress less and become more likeable.  Have your goals somewhere at your bedside table: When you wake up, it will be the first thing you see every morning. 

How Successful People Think and Operate

Successful people do not see the world like everyone else. It is not because they are perfect or because their version of life is easier than yours. However, in one way or another, they always appear to bounce ahead. It does not matter the obstacles they face, the problems that come their way, or how loud their critics sneer—they always come up with a way to emerge victorious.

How do they do this? They have a few beliefs that they hold on to. These beliefs make a difference in the way they fight for success. They do not view the beliefs as some random motivational quotes from a book. What they believe in impacts every aspect of their daily life. 

These Are 18 Things That Successful People Believe

  1. Everything is possible if you are prepared to put in enough effort and time.
  2. If you make up excuses to get out of doing something, that ‘something’ is exactly what you are supposed to be doing.
  3. The people who do not like you much are the ones that will give you the most truthful advice.
  4. Whoever wants something the most is the one who will eventually win it. 
  5. Whatever it takes is exactly what it takes to achieve your life desires.
  6. If you want to keep losing, surround yourself with negative people.
  7. Gratitude, action, fear, and worry are choices that you make. 
  8. If you are not prepared to master all the details, you have very slim chances of winning.
  9. Apathy is a hindrance to achieving something fantastic.
  10. Just because you failed last time does not mean that you should stop trying. 
  11. It does not matter how bad you have it; if you want to make, you will.
  12. No one is responsible for making your decisions. You get to make all your decisions.
  13. If you have been yearning for a second chance, today is your second chance; make use of it.
  14. Your effort’s intensity determines how fast you progress
  15. Be prepared to listen and acquire knowledge; otherwise, you will never get better.
  16. Your actions in private determine your course of development. 
  17. Just because your critics are loud is not reason to believe that they are on the right.
  18. If a solution is easy, guaranteed and fast, it will probably not be useful in the long run. 

In Their Heart of Hearts, Winners Believe That Nothing Is Impossible

In most cases, they have no idea how they are going to win. But even then, they truly believe that they are going to find a way. According to them, the great equalizer is effort. When they have no idea what they should do, they take time to learn and even perfect it.

The things you believe will bring change in your life. This is a good time to pause and seriously think about what motivates you. What are your beliefs? Do you think that life is not fair?  Do you constantly believe that you have it harder than everyone else? Do you blame everyone but yourself?

“Set your mind on a definite goal and observe how quickly the world stands aside to let you pass.” 

-Napoleon Hill

Fear of Failure – Let It Go

What happens when you want something bad? Sometimes it feels like an ache or a hunger. We find that we are not satisfied until we have gotten whatever it is that we desire. What happens when we finally get what we want? Are we finally satisfied, or do we find that our desires have moved on to bigger and better things?

Have you ever heard the saying, “be careful what you wish for”, when describing to someone what it is that you want? This implies that there will be a negative outcome if you get what you want. This saying is a phrase that is steeped in fear.

Over the centuries there have been many stories written about people who wished for something and when they got it bad things happened to them. The unfortunate thing about these stories is that they are mostly circulated when we are children. We are told stories about people who wished for things that when they got them, the bad things started to happen. So let’s dissect a theory on where these stories may have had their origin.

Have you ever noticed that the desires of children sometimes seem to be insatiable? When you take a child to a grocery store, they always seem to ask for something. When they watch television, the commercials that they see are created to arouse desire within them to have the products that are advertised. You can often find yourself in a relentless battle with children telling them that they cannot have everything that they want. So, what would be an easy way to say no without using the word?

Please do not bail on me until you read past the next two paragraphs, I am going to tell a story as an example here….

One way would be to tell them the story about the little boy who wished for everything. One day he found a rock laying by the side of the road that seemed to be glowing. He cupped his hands around it to provide darkness and indeed it glowed in the dark. He put the stone in his pocket and headed home. When he arrived at home, he went to his room and removed the stone from his pocket. As he looked at it, he wished that he had a nice wooden box to keep his new treasure in.

Suddenly a wooden box appeared on the bed beside him. It was inlaid with ivory and fine wood. He picked up the box and stared at it in disbelief. He opened it and inside was a special place where the stone fit exactly. As he began to place the stone in the box, suddenly a small bird crashed into the window of his room.

He went to the window and looked at the small bird lying on the ground writhing in pain. He did not realize yet that the bird had been hurt as payment for his wish.

And on and on….

A negative consequence for a positive gain. Do you ever wonder why you feel anxious when a large deal is pending, something that you have been wanting bad? Could it be that as a child you were programmed to believe that if something incredibly good was to happen, that something bad would follow?

Could this be the reason that as we begin to reach the successes that we have always dreamed of that we sabotage ourselves and prevent them from happening? We begin to suffer from the “what if’s” and the “unknowns”. We begin to worry that if we achieve the success that we seek, that something bad is going to happen.

When you begin to experience success in any form, it is important to be prepared to experience the fear of failure, or the fear of something bad happening. When you are getting close to success you should try to notice the voices from your past that tell you something bad is coming and ignore them. You might even say out loud that it is not true, that nothing bad will happen if you succeed.

Reviewing positive attitude materials can help you in this process. In the same way that therapy helps us to overcome personal issues, positive attitude materials can help us to overcome our career issues. Listen to or read something motivational on a regular basis. Attend a seminar at least twice a year dedicated to overcoming limiting beliefs. It is important to exercise your abilities to fight against fear, just as important as it is to exercise the rest of your body.

By learning to overcome your fears you empower yourself to succeed and each success leads you to another and makes you more able to overcome more fears. Practice this regularly and you will find yourself achieving things that you never thought possible.

7 Proven Principles of Business Success

The 7 Proven Principles to Business Success will overcome whatever limitation you have. Think of it as a recipe for success in business. All you must do is first learn what the 7 principles are, and then apply them, in order. When you follow this recipe all your challenges will fade away.

Why do you own a business? Isn’t it because you want a LIFESTYLE? You did not intend to work long hours, be stressed, have little time off and be hassled with staff and customers, did you?

Isn’t it time you made some changes for the better? After all, if you want to change some things in your life, you must change some things in your life. If you are ready for a change here is the magic recipe you need to follow…

Principle 1: Work on yourself to understand people.

Business is all about people isn’t it? You have them as customers, you employ them, but few people have realized the absolute key to success is understanding people at a much, much higher level. Your sales and marketing skills are determined by what you know about people. Your leadership skills with your staff to get them to perform as well as you do is determined by your knowledge on people.

So, what is the best way to learn about other people? Easy, learn about yourself! You are a people and the more you learn about yourself the more you automatically learn about other people.

Principle 2: Learn business success principles.

There are so many principles to business success, but I will emphasize just a few. One is, you are in business to make a profit, not just turnover. Turnover is a job, whereas profit gives you a LIFESTYLE. Your aim should be to increase your net profit percentage of turnover, as this allows you to grow and pay yourself whatever you desire.

Net Profit percentage comes from improving everything you do, not just doing more of what you already do. How you answer the phone, how you greet people face to face, how you write your ads, improving your communication and leadership with your staff. All of these are areas to improve.

Another principle of business success is cash flow. Cash flow means having the cash in your bank account that should be in your bank account. If customers cost you money before you get any back, that’s negative cash flow, if you get cash before you incur a cost that’s positive cash flow. The better you get at getting money up front with deposits and getting people to pay on time the better your cash flow.

Principle 3: Set goals and have a plan to achieve them. Until you set a goal you do not have a reason WHY you will improve your business, therefore the HOW does not matter. People must know why, before how. You will want to know how to grow your business once you have set a written goal.

When you have a goal, it is time to look at the relevant strategies for your business. I know of over 300 strategies, but most people can only think of about a dozen. Strategies are like tools. If you go to build a house with just a hammer, a saw and nails you will be building it for a long time. Business is the same. When people do not know what strategies are available or suitable to them how can they effectively grow their business?

A Business Growth Plan is simply the order of implementation of those strategies beginning with the highest priority strategy. When you have documented goals for 3, 6, 9, 12 and 24 months with a list of strategies in order you have a Business Growth Plan that makes growing your business EASY!

Principle 4: Turn your staff into a TEAM.

Unfortunately, business owners are trying to do it all on their own. They often do not train their team regularly with team meetings or one on one allocated time every week. I believe you have one role as a business owner, to be a great teacher! Your aim should be to teach everyone in your business how to do everything you currently do, better than you do! And what does that then make you? Obsolete! When business owners think no one can do my job as good as me, they are digging a big hole for themselves they will never get out of. Then they wonder why they are stressed, tired, work long hours and this happens more and more as the business grows. TEAM stands for Training Everyone Achieves More!

Principle 5: Build foundations for growth.

If you want to build your business to provide a great lifestyle you need to put foundations in, just like building any building. If you do not intend to really increase your profits, then you do not need foundations. If you want to seriously increase your net profit percentage (even without increasing turnover) you must have strong foundations. When they build a skyscraper, they do not build up, they dig a big hole down.

The foundations in business are 2 things. First, having documented systems. A system is just a best way of doing something that everyone knows and uses that has been identified and written down. It helps consistency and efficiency and as you grow people are accountable to the systems, not to you the owner. That means you save time checking on everyone. Systems only work when you have worked with your staff to turn them into a TEAM.

Secondly, measuring everything is part of building foundations. If you have not measured your Key Performance Indicators how will you improve on them? Increasing Net Profit percentage of turnover comes from improving everything you currently do, remember?

I could write a book on measuring, it is so important, I cannot emphasize it enough. When you have measured all your KPI’s you are ready for…

Principle 6: Implement EFFECTIVE Sales and Marketing.

Everyone in business is already doing sales and marketing but how effective is it? You know when you have effective sales and marketing, here is how: you will not get so many price shoppers as your marketing already has “sold” them on buying from you. Your marketing is so effective you only must run it a third as much because you cannot handle the increase in customers it brings you. And you will know your sales and marketing is effective because you put your prices up 20% and increase your conversion with the price rise!

People in business do not take responsibility for their sales and marketing and as a result they do not get the results they desire. If you learn sales and marketing by paying a professional for a few months, it will be the best investment you ever make. Once you learn the principles of success you can then add to them yourself, but often you need an expert to get you started.

Principles 7: Manage the business.

Unfortunately, businesses are not managed at all well. You can tell by these examples… decisions are not based on numbers, there are not documented systems, regular weekly team meetings are not happening nor is weekly one on one team training.

Management is all the above; it is making decisions on numbers. e.g. you measure how many customers you serve in a week for each team member and measure the number of new customers each week and then work out your team can service 5 customers each per week. That means if your marketing can produce 5 new customers and if you are at maximum service capacity you need to be thinking about getting a new team member very soon.

This is what management is, training your team weekly, documenting systems, measuring numbers, making decisions on numbers, setting goals, and helping your team to achieve their own.

When you dedicate time to learn and then follow all 7 Principles, in the order above anything is possible. I have had clients increase their monthly turnover by 1,000% in just 5 months when the business was not growing at all and the owners did it with ease and grace, no stress at all!

What is your growth potential? Are you realizing it yet? If you are not growing at 50%-100% a year you’re possibly not growing as fast as you could!

Think and Become Successful

Success means a different thing to different people. Some may think that to succeed you must be a good parent. Others will think that to succeed means that your bank balance is a million dollars or more. While others have a much simpler approach, they think that if they wake up still breathing, then they have succeeded.

Regardless of what your definition is for Success, they all have one thing in common they first began as a thought.

Every human striving for the elusive Success Experience all imagined what success needs to be for them. They chose at a subconscious level what it will take for them to feel that they have succeeded in their life.

At this point most of us stop using our minds to picture Success and start using it to figure out a way to get there. The tragedy is that to get there, you must continually use your mind to see the result.

Here is an example. You are a professional sports player, and all your life you have wanted to be the person holding the trophy at the end of the season, having worked with your team to beat the other players in the competition. The idea came to you when you were 9 years old. And since then, you have gone to bed each night imagining yourself holding that trophy and seeing yourself having completed the task that will make you a Success.

Well, at least one (and most likely thousands more) famous athlete did just that. Michael Jordan thought constantly about winning the NBA championship, and this set him on a path that saw him become one of the most dominating players in the basketball game ever seen.

Turning on the power in your brain to see what the result is that you want to achieve is the fuel that will drive your actions.

Not only does visualizing your ultimate result in your mind give you the energy to chase after the goal, it prepares yourself for the eventual outcome of success. Because you have thought and worked and strived toward your ultimate goal for so long, when it eventually comes your way, you know in the very depth of your being that you deserve it. You have every right to enjoy the money, accolades, compliments, and praise that your successful result will bring.

Instead of reacting to your success with shock the What Do I Do Now Syndrome you will accept your success as totally normal. After all, you have seen yourself achieving this result for years, so it is about time, right?

So, how do you work on visualizing your success? The good news is you already do what is needed for this to work. You daydream. Sounds a bit weird, I know, but spend time imagining yourself doing the thing or having the thing that you have determined to equal success. If it is having a wonderful family, you imagine that – the peaceful home environment, the well-adjusted children, and the confident and assured parent that you are. If Success for you is running a large organization, see yourself in your office (or favorite beach), your staff members working hard and happily on their tasks, with happy customers and clients calling you about how they enjoy your service immensely.

By spending time each week seeing in your mind yourself reaching the Success you want, you are mentally preparing yourself for that event. And in doing so, your body reacts to it in the only way it can it starts to act out what the mind wants. It will start to find ways that it can achieve this vision in your mind, because the body and mind are two parts of the same coin. What one wants, the other must as well.

So, even if you don’t believe in any of that mind-body stuff, it is fun seeing yourself doing what you so desperately want to do (or be, or have), and will help to motivate you to achieve your goals.

20 Napoleon Hill Quotes That Will Change Your Life

The man who is believed to have influenced more people into success than anyone in history, Napoleon Hill, was an outstanding American author who wrote the groundbreaking self-help book Think and Grow Rich. This book literally changed my life and mindset. My financial Bible, Napoleon Hill is widely known as the father of personal success. His ideas and books have helped millions of people achieve their goals for decades.

“The starting point of all achievement is desire. Keep this constantly in mind. Weak desire brings weak results, just as a small fire makes a small amount of heat.”

“When defeat comes, accept it as a signal that your plans are not sound, rebuild those plans, and set sail once more toward your coveted goal.”

“Whatever the mind can conceive and believe, it can achieve.”

“You are the master of your destiny. You can influence, direct and control your own environment. You can make your life what you want it to be.”

“Set your mind on a definite goal and observe how quickly the world stands aside to let you pass.”

“Do not wait: the time will never be ‘just right’. Start where you stand and work whatever tools you may have at your command and better tools will be found as you go along.”

“The way of success is the way of continuous pursuit of knowledge.”

“When you are able to maintain your own highest standards of integrity – regardless of what others may do – you are destined for greatness.”

“A quitter never wins, and a winner never quits.”

“Every adversity, every failure, every heartbreak, carries with it the seed of an equal or greater benefit.”

“Our only limitations are those we set up in our own minds.”

“First comes thought; then organization of that thought, into ideas and plans; then transformation of those plans into reality. The beginning, as you will observe, is in your imagination.”

“Most so-called failures are only temporary defeats.”

“Awake, arise, and assert yourself, you dreamers of the world. Your star is now in ascendancy.”

“It is your responsibility to make sure that positive emotions constitute the dominating influence of your mind.”

“There is very little difference in people, but that little difference makes a big difference. The little difference is attitude. The big difference is whether it is positive or negative.”

“Remember, too, that all who succeed in life get off to a bad start, and pass through many heartbreaking struggles before they “arrive.”

“Think twice before you speak, because your words and influence will plant the seed of either success or failure in the mind of another.”

“Patience, persistence and perspiration make an unbeatable combination for success.”

“A goal is a dream with a deadline.”

“The man who does more than he is paid for will soon be paid for more than he does.”

“The more you give, the more comes back to you.”

“Plan your work and work your plan.”

“You can think your way into or out of almost any circumstance, good or bad.”

Think and Grow Rich – Chapter 2: Desire: The Starting Point of All Achievement (The First Step to Riches)

“There is a difference between wishing for a thing and being ready to receive it. No one is ready for a thing until he believes he can acquire it. The state of mind must be belief, not mere hope or wish. Open- mindedness is essential for belief. Closed minds do not inspire faith, courage or belief. Remember, no more effort is required to aim high in life, to demand abundance and prosperity, than is required to accept misery and poverty.”

Napoleon Hill Pt. 5 – The Lost Lectures about Philosophy, Wealth Building , and Achievement

5 Signs You Have What It Takes to Become a Millionaire

If you ever wanted to become a millionaire (who doesn’t?), now’s the right time. According to a survey by Spectrem Group, there are more millionaires than ever in the United States.


As of the end of 2016, there were a record-breaking 10.8 million millionaires in the U.S., which is an increase of about 400,000 from the year prior. The study points to the bounce-back of the economy since the 2008 Great Recession as well as the stock market surge after the 2016 presidential election as the major reasons behind the increase in millionaires.


While everyone thinks they deserve to be a millionaire, few people actually have what it takes to become one. There are certain characteristics, however, that many of the world’s most affluent people have in common. If you recognize any of these traits in yourself, you may be one of the few who is destined to become a millionaire.


Image source: Getty Images

1. You’ve always had an entrepreneurial spirit

According to the Economist, about half of the world’s millionaires made their money by starting their own businesses. And many of the richest of the rich got their start early on in life.


Mark Cuban starting selling garbage bags to his neighbors at 12 years old because he couldn’t get a job. Warren Buffett had a similar idea, selling packs of gum to his friends at age 6. And Richard Branson, at 11 years old, was already breeding and selling pet parakeets.


It’s that entrepreneurial spirit and work ethic that drives many kids and teenagers to grow into adults who launch billion-dollar companies.

2. You have several income streams

While it’s everyone’s dream to start the next billion-dollar company, that’s not a possibility for every aspiring millionaire. It’s far more achievable to create several smaller income streams that amount to a million dollars.


In one five-year study of self-made millionaires, Thomas C. Corley discovered that most of them had multiple streams of income. About 65% had three streams, 45% had four streams, and 29% had five or more streams.


“Three streams of income seems to be the magic number for the self-made millionaires in my Rich Habits study,” Corley explained, “but the more income streams you can create in life, the more secure will your financial house be.”

3. You’re constantly learning


Author and self-made millionaire Steve Siebold spent over 30 years interviewing some of the most affluent people in the world, and he found that many of them share a common trait: reading.


“The middle class reads novels, tabloids, and entertainment magazines,” he writes in his book. “Walk into a wealthy person’s home and one of the first things you’ll see is an extensive library of books they’ve used to educate themselves on how to become more successful.” 


Many of the most well-known billionaires appear to prove his point, too. Bill Gates, for instance, reads about 50 books a year, Warren Buffett is said to spend about 80 percent of his workday reading, and when Elon Musk was asked how he learned to build rockets, he responded, “I read books.”

4. You pay yourself first

It’s easy to get into a habit of putting saving for your financial goals off until later — until you discover that “later” never arrives. That’s why many millionaires think of saving and investing like it’s just another bill you have to pay.

“Most people spend some money, pay their bills and save what’s left,” Nancy Butler, a Certified Financial Planner, says. “And that’s backwards: You should be saving for your financial goals first, paying your bills and then consider spending the money you have left over.”


Many financial experts recommend the 50/30/20 rule, which is that 50% of your income should go toward necessities (your mortgage, bills, food, etc.), 30% should go toward things you want (new clothes, dining out), and you should save the remaining 20%.

5. You can live below your means

Warren Buffett has famously lived in the same house in Omaha, Nebraska, since 1958, and Mark Zuckerberg — who is worth roughly $56 billion– drives a Volkswagen.


Mastering the art of delayed gratification is a key characteristic many millionaires share, because they can control their urges to spend money as soon as they make it. Most people struggle with this urge (and the fact that the average U.S. household carries over $7,000 in credit card debt proves it), but the good news is that you can train your brain to get better at avoiding impulse purchases.


According to personal finance blogger Lance Cothern, there are a few strategies you can use to improve your impulse control, including writing down your financial goals, waiting 24 hours when you feel the urge to make impulse purchases, and asking someone older than you about their biggest financial regrets so that you can avoid making the same mistakes.


While becoming a millionaire seems like an impossible feat to many people, it’s an attainable goal — if you have the right mindset. And if you already share the financial traits of some of the richest people in the world, you may be well on your way to riches.




What We Do In Life Echoes In Eternity


Napoleon Hill Pt. 3 – The Lost Lectures about Philosophy, Wealth Building , and Achievement