20 Tiny Habits to Get Rich

Introduction

• Many believe getting rich is about crazy routines or big risks.
• True richness comes from small, consistent habits over time.

Habit 1: Practice Gratitude

• Spend 2 minutes in bed thinking of 3 things to be grateful for.
• Feeling joy and gratitude attracts opportunities and aligns with the frequency of money.

Habit 2: Automate Savings

• Set up automatic transfers to savings or investment accounts each pay period.
• Make saving money non-negotiable.

Habit 3: Time Management with Batching

• Batch similar tasks to minimize context switching.
• Examples: Meal prep on weekends to streamline weeknight dinners.

Habit 4: Automate Investments

• Use dollar-cost averaging: Invest a fixed amount monthly into index funds.
• Benefits include reduced risk and improved average entry price.

Habit 5: "Eat the Frog"

• Tackle the most daunting task first thing in the morning.
• Increases productivity and confidence throughout the day.

Habit 6: Write Down Financial Goals

• Writing goals down increases achievement likelihood by 42%.
• Keep track of financial milestones (e.g., paying off debts, income targets).

Habit 7: Use Social Media Intentionally

• Limit time spent on social media to prevent doom scrolling.
• Use platforms for networking or marketing instead of procrastination.

Habit 8: Learn to Delegate

• Avoid heroism in doing everything. Use services like Instacart or TaskRabbit to save time.
• Value your time; small fees can save significant hours.

Habit 9: Get Outside Daily

• Spend at least 30 minutes outside for vitamin D and mood boosting.
• Health is wealth—taking care of physical health is crucial.

Habit 10: Review Spending Regularly

• Go through credit card and bank statements monthly.
• Cancel unused subscriptions and build awareness of spending habits.

Habit 11: Create a "Why I’m Awesome" File

• Keep a running list of personal and professional achievements with quantifiable results.
• Refer to it for negotiating raises or boosting self-confidence.

Habit 12: Make a Grocery List

• Plan meals and make a list before shopping to prevent overspending.
• Avoid shopping when hungry to minimize impulse buys.

Habit 13: Automate Life to Reduce Decision Fatigue

• Create routines to save mental energy for important tasks.
• Examples: Same breakfast, daily outfits, and workout schedules.

Habit 14: Listen to Money Audiobooks

• Use chores or commute time to listen to audiobooks about money.
• Enrich your mind with valuable knowledge on financial improvement.

Habit 15: Network Monthly

• Have lunch with at least one new person each month.
• Expanding your network can lead to new opportunities.

Habit 16: 30-30 Rule for Nutrition

• Consume 30 grams of protein within 30 minutes of waking up.
• Helps jumpstart metabolism and energy levels for the day.

Habit 17: Connect with Loved Ones

• Send a quick message or call a friend/family member.
• Strong relationships contribute to emotional well-being and networking.

Habit 18: Happiness Practices

• Engage in activities that make you happy every day, no matter how small.
• Prioritize joy for sustained productivity and success.

Habit 19: Invest Time in Skill Building

• Use free time to learn new income-generating skills or develop side hustles.
• Small commitments can lead to significant time invested over time.

Habit 20: Check Your Net Worth

• Regularly monitor assets minus liabilities to track financial progress.
• Awareness of net worth is vital for intentional wealth accumulation.

Conclusion

• Start with one tiny habit and integrate more over time.
• Small, consistent actions lead to significant long-term results.