20 Tiny Habits That Made Me Rich

Introduction

• Common misconceptions about getting rich: wild morning routines, overnight success, etc.
• The reality: small consistent habits lead to wealth.

1. Practice Gratitude Daily

• Spend 2 minutes in bed thinking of at least three things to be grateful for.
• Feeling joy and gratitude aligns your mindset to attract opportunities.

2. Automate Savings

• Set up automatic transfers to savings or investment accounts.
• Transfer a percentage of income each pay period (e.g., 5% or $20).
• This makes saving non-negotiable and effortless.

3. Time Management and Productivity

• Batch similar tasks to maximize productivity and minimize contact switching.
  • Example: Meal prep on weekends.
  • Schedule multiple appointments on the same day to save time.

4. Automate Investments with Dollar Cost Averaging

• Invest a fixed amount in index funds monthly.
• Benefits:
  • Non-negotiable investing.
  • Improves average entry price and reduces risk.

5. Eat the Frog

• Tackle the most daunting task first thing in the morning.
• This builds momentum and boosts confidence throughout the day.

6. Write Down Goals

• Writing goals increases likelihood of achieving them by 42%.
• Keep track of financial goals, such as paying off debt or investment targets.

7. Use Social Media Intentionally

• Avoid doom scrolling; use social media for networking and marketing.
• Set time limits for social media use to stay productive.

8. Learn to Delegate

• Delegate tasks to free up time for more important work.
• Examples: Grocery delivery or hiring help for small tasks.

9. Get Sunshine Daily

• Spend at least 30 minutes outside for health benefits (vitamin D, mood boost).

10. Monitor Spending

• Regularly review credit card and bank statements.
• Awareness of spending habits leads to better financial decisions.

11. Create a ‘Why I’m Awesome’ File

• Keep a list of personal and professional achievements.
• Useful for negotiating pay raises and reflecting on accomplishments.

12. Make a Grocery List

• Plan meals and stick to a shopping list to avoid overspending.
• Never shop when hungry to prevent impulse buys.

13. Automate Life Decisions

• Reduce decision fatigue by creating routines.
• Examples: Same breakfast, outfits, and workout schedules.

14. Listen to Money Audiobooks

• Use chores or commute time to listen to financial education audiobooks.

15. Network Monthly

• Have lunch with at least one new person each month to expand your network.
• Networking can lead to new opportunities and business ideas.

16. Follow the 30/30 Rule

• Consume 30 grams of protein within 30 minutes of waking up.
• This stabilizes blood sugar and boosts metabolism.

17. Stay Connected

• Send texts or voice notes to loved ones regularly to maintain relationships.
• Strong relationships contribute to emotional well-being and opportunities.

18. Make Time for Happiness

• Engage in activities that bring joy daily, even if briefly.
• Balance between work and personal pleasure is essential for long-term success.

19. Build Additional Income Streams

• Use free time to learn new skills or build side hustles.
• Consistent effort over time can lead to substantial income growth.

20. Track Your Net Worth

• Regularly check your assets versus liabilities.
• Helps you stay aware of your financial progress and motivates positive changes.

Conclusion

• Choose one habit to start with and gradually integrate more.
• Small consistent actions lead to significant financial growth over time.