20 Tiny Habits That Made Me Rich

a lot of people think that getting rich is about doing some crazy 5 a.m. millionaire morning routine or taking a huge risk and hitting it big overnight but after becoming a millionaire in my 30s I realized it's actually none of that it's really just the tiny small habits that you do consistently over time that is what actually makes you rich so these are the 20 tiny habits that made the biggest difference for me all right so one of the first things that I do is as soon as I wake up I stay in bed for

about 2 minutes just thinking about what I'm grateful for I always try to think of at least three things and I make it a point to really feel the joy and the Gratitude in my body this starts my day on a really good note and it really primes you to attract opportunities take advantage of them and just make the most of the day cu the thing is you can't attract money if you aren't matching the frequency of money like if you're thinking all day about everything that you don't have all the scarcity how can you

actually attract money into your life if that's your Vibe so it might sound a little woooo but gratitude has made a huge difference for me all right the next tiny habit is to set up an automatic transfer into your savings account or some sort of investment account for the future every single pay period this doesn't even have to be a tiny habit because you just have to do it once and it's going to happen automatically like go into your bank account or log into your paycheck portal wherever you manage your direct deposit and set a

transfer for 5% um $20 10% 20% something into a savings account that's out of sight and and Out Of Reach look I know saving money can be hard so really the only way to get around it is to hack your own psychology automate it so that it happens and it's non-negotiable sometimes getting rich can literally be as simple as just setting one automatic transfer and completely forgetting about it then a couple weeks later you're going to log into your bank account and see that you've accumulated thousands and thousands of dollars and you're going to feel

so good about yourself if you want to get rich don't leave saving money for the future and investing to chance make it a non-negotiable all right the next tiny habit has to do with being productive and managing your time wisely obviously if you want to get rich you need to be productive you need to do more than the average person that doesn't necessarily mean hustling and burning the midnight oil it's about being smart with your time so this habit is about batching your time whenever you're planning your day or your week try to do like

tasks all at once instead of spreading them out throughout the week this minimizes something called Contact switching which is where you have to switch your brain from doing one type of task to another and then you also have to set out all of your equipment and do all the transitions related to switching tasks so one example how I do this is meal prep instead of scrambling to figure out what we're eating for dinner every single week night I actually just meal prep do all my grocery shopping in a 2 to three hour period on the

weekend and that makes making dinner throughout the week really easy all it means is just kind of putting pieces together and maybe throwing something in a frying pan but everything's chopped up ready to go and meals have been planned another example of how I batch my time to be efficient is if I ever need to go out or just look nice and have makeup and and hair done I actually try to do everything on that one day so if I'm going out to dinner with a friend I try to shoot videos on that day take

any Zoom meetings where I have to look good and do anything where I have to look presentable all on the same day so that the other days I don't have to do my makeup and I can wear sweatpants all right this next habit is related to automating your savings but this time it's actually about automating your Investments and specifically it's doing a strategy called dollar cost averaging so I know that investing in the stock market can be scary that's why most people never get around to doing it so the only way to get around this

is to automate your Investments by dripping your money into the stock market over time so the way I do this is every month a portion of my income goes straight into the stock market I buy the same dollar amount of the same index funds every single month and this strategy has two benefits one it's non-negotiable so investing happens no matter what it's not a question of if I'm going to invest when I'm going to invest it's just I'm going to invest it just happens and the second benefit of dollar cost averaging is that you end

up improving your average entry price into the stock market over time because think about it if you dollar cost average the same $1,000 into the market every single month so when the market is high your $1,000 is going to buy you less shares because the prices per share are is more expensive now when the market is low because all the stocks are on a discount your $1,000 is going to buy you even more so dollar cost averaging is an automated way for you to buy a lot when things are cheap and buy less when things

are expensive which is which is what you should be doing and what this does it really improves your returns over time and it also minimizes the risk of putting all your money in at once and then everything crashing all right tiny habit number five is something that I call eating the Frog so you know how it's so easy to procrastinate the thing that you know that you have to do but you're like afraid to do because it's so important to you maybe it's that high stakes phone call you have to make or the 500 Words

you need to write for the book you want to write one day or the video you have to record you know that big kind of hairy task on your to-do list that will make a big difference for you but you're scared to do so human nature is or at least if you're anything like me you'll leave that to the very end of the day after you've done everything else including all the like busy procrastination tasks like cleaning your kitchen and checking your email but eating the frog is when you sit down and first thing you

do in the morning is that big hairy task then you get out of the way and that makes you feel so good and so accomplished for the rest of the day that you're going to be like super productive and it'll really boost your confidence a big problem I see with people is that they have a hard time moving forward on their goals and making things happen because they let all the other non-important things fill up their time and they never get around to actually doing the things that would move the needle so there's really no

way around it if you want to make a lot of money you have to learn how to use your time wisely and get done so eating the Frog really helps with that all right tiny habit number six is to write down your goals specifically financial goals one study found that you are 42% more likely to achieve your goals if you write them down on a regular basis so all you have to do is write them down for a 42% Edge towards achieving your goals I'd say that's pretty good so freaking write your goals down ever

since starting my financial Journey I've always known what is the financial goal that I am working towards in the beginning was to get out of debt so I always kept track of that writing down the goal to pay off my student loans pay off my credit cards Etc and after that I set a goal to make $100,000 in my business the next time I've set a goal to have $100,000 in Investments I've always written down my financial goals and it's no surprise that I've hit every single one of them okay the next tiny habit is

to use social media intentionally now there's nothing wrong with social media but you have to use it intentionally if you use it to network with people to meet people who will open up opportunities maybe job and business opportunities or if you use it to Market and sell your services The Way businesses do then social media can be very powerful the only thing is most people tend to Doom scroll and just waste hours and hours and use social media as a procrastination tool instead of working on their goals that's where social media can be dangerous the

one tiny habit that really helps me use social media wisely is to just limit my time you can use the iPhone screen time app which will basically send you a notification and shut you down after you've spent a certain amount of time on each of these platforms or set an actual timer like allow yourself to scroll in Instagram mindlessly for 20 minutes but set that timer because if you don't it's so easy to look up like 3 hours later and you be like oh my God where did the time go so find ways to set

time limits and use social media intentionally okay the next tiny habit is to learn to delegate in other words learn to not do everything yourself it might seem heroic if you're able to do everything yourself and be some sort of Superwoman Superman who doesn't need help from anyone ever but that mentality is really like outdated I would say if you really want to accomplish big things make big money you need to learn how to rely on other people for help and to value your time you don't need to have a huge budget to pay for

an executive assistant or anything crazy like that it could be as simple as refusing to go spend three hours out of your Saturday to go buy groceries instead you can order Groceries on instacart and yes you have to pay a fee maybe 10 $15 more but isn't your time worth at least $15 to save 3 hours another example of this is it's so easy to find people on task rabbit to do all kinds of things they'll pick up your dry cleaning for you so that you don't have to sit in traffic for $30 you can

get someone to build your Ikea furniture so that in that time you can work on your side hustle or learn a new skill instead there are so many ways to just value your time more it doesn't take that much money this is one area where I've definitely had to grow because I grew up being very individualistic and independent but you learn how to delegate and get other people to help you and that would be such a a game changer okay this next tiny habit is simply just to get outside and get some sunshine every single

day at least 30 minutes because health is wealth so if you go outside you get the Sun that creates vitamin D there are real scientifically proven benefits to actually getting real life sun exposure it boosts your mood it creates Vitamin D it regulates your hormone levels it's just good all around and if you're like miserable and sick and depressed you're not really going to get far in life so Sunshine is one free very easy way to take care of your health and again health is well all right tiny habit number 10 is to go through

all of your spending both on your credit cards and bank statements and go through and cancel any subscriptions and just see what's going on and now I'm not even asking you to make changes or cut back on your spending just look simply the awareness of what you've swiped your credit card on is already going to adjust your spending naturally but the problem is when you go months and months and you never look at what's going going on in your credit card and you're just shocked at the balance every time because you never built any awareness

about your spending habits and I know it's so tempting to take that head in the sand approach and to avoid because you'd rather not know what's going on but if you want to get rich you got to know what's going on with your money right and really build awareness about your spending it's actually really empowering and you have to know what's going on with your money CU if you don't who will so I always go through all of my spending every single month and I cancel any subscriptions that I'm not using and just make tiny

little adjustments and it makes such a difference you don't get rich by being careless with your money so taking care of your money first begins with knowing what's going on with it all right the next tiny have it is to create something called a why I'm awesome file this is a running list of both your personal achievements and your professional achievements mainly this is really important for professional achievements because what this does is it gives you leverage for negotiating your pay and asking for a race sometimes we're just so busy with the day-to-day that we

actually forget to look back and see everything that we've accomplished so whenever you finish a big project at work or you bring in a bunch of new clients make sure you document it with cold hard data you want to have numbers don't use vague language always use concrete numbers like increase Revenue by 30% um brought in 12 new clients that increase sales by 3 million whatever whatever it is make sure you quantify and keep that running list and then once a quar twice a year at least once a year look through your why I'm awesome

file and then ask your boss for a meeting and explain all of these things and make sure you ask for more money because hey if you don't ask you don't get and people aren't just going to hand you raises it's really up to you to own your value and to make sure you're getting what you deserve and it's a lot easier to do that when you are keeping this why I'm awesome file I keep mine in my Google Drive and I absolutely love it whenever I'm feeling down and need a little confidence boost I just

read through this Google drive folder all right the next tiny habit is to make a shopping list before you go grocery shopping and this tiny habit is about more than just saving money on groceries it's also about being intentional like you won't overspend if you plan ahead and are really intentional about what you really really need otherwise your money is just going to leak to all kinds of things that you didn't really need and that's not really Behavior that's going to get you rich as important as it is to make a lot of money you

also have to develop the skill of keeping the money that you make and not spending more than you need to so whenever I go to the grocery store I already know what meals I want to make for that week and I also make sure to not go to the grocery store hungry that is a very very bad idea definitely don't go to Costco when you're hungry cuz Costco is a very dangerous place when you're hungry it's just a tiny little habit but it makes a really big difference sometimes your grocery bill is going to be

like 50% less when you actually go with a list all right the next tiny habit is to automate your life and El limit decision fatigue wherever you can so what I mean by decision fatigue is like you wake up in the morning you're like oh what am I going to eat for breakfast should I have cream in my coffee or no cream um what should I wear today should I go to the gym today or should I go to yoga class what should I work on today should I work on this or that and then

by the end of the night you're like you barely have energy to decide what to eat for dinner because our brain power is limited like we wake up in the morning with a limited amount of brain juice we want to save that brain juice for our most important work the stuff that's going to move the needle get us that raise at your job the thing that's going to make you the most money in your business that one big project the things that really matter and move the needle so save your brain juice for that and

try to automate the rest like I actually drink the exact same smoothie every single morning for breakfast and I have the same black coffee I don't have to think about that I also pretty much wear the same uniform every day it's a T-shirt and jeans or a T-shirt and sweatpants now not to compare myself to Steve Jobs but Steve Jobs actually did this he would we the same black shirt every single day have you ever seen him wear anything but the same black shirt and jeans and that's because he wanted to save all of his

creative brain juice to build apple and it's no wonder that apple is one of the most incredible companies to have ever existed so the areas where it'll make the biggest difference for you to eliminate decision fatigue is your finances make a decision now of what you're going to invest how you're going to invest and when and then automate it it's the dollar cost averaging that we talked about earlier eliminate decision fatigue on what you eat have a system for your meals it's going to be a protein and a vegetable and this is the list of

proteins this is the list of vegetables that's it um automate your outfits like these are what you wear on Mondays this is what you wear on Tuesdays automate your workouts like you do the same weightlifting on this day and that day you don't have like 20 different Boutique Fitness classes to choose from just pick the same few things to keep doing over and over and also automate your schedule like what time you wake up what time you go to work what your routine is try to routinize is that even a word try to routinize as

many things in your life so you can save the brain juice for things that really matter all right this next tiny habit is one of my favorites is to listen to a money audiobook whenever you're doing chores so you spend a lot of time doing dishes walking your dog cleaning little things around the house driving to work so use that time to enrich your mind I'm pretty much always listening to an audiobook and a lot of the time it is about money like this is probably the one thing that has made the biggest difference for

me because what's that quote by Einstein you can't solve problems from the same level from which that problem was created so if you're trying to break through to another level of wealth and money you're going to need to change your brain you're going to have to become a different person and the only way to do that is by getting new inputs through things like audiobooks I've read so many money audio books by now but these are 10 that have made the biggest difference for me I highly recommend them they'll absolutely transform your mindset and what

you see as possible for yourself and the best thing is you don't have to spend any extra time doing it because you can listen to it while you're just doing dishes all right tiny habit number 15 is to have lunch with at least one new person every single month I got this idea from the book Never Eat Alone by Keith farazi it's a really great book about how to network so if you really want to expand your income and make a lot of money you're going to need to expand your network because again we're none

of us is a lone wolf it's always some somebody that will open the door to a new job opportunity it's someone that gives you that business idea or can be a very very lucrative business partnership everything we accomplish all the money that we make if you really think about it and what it comes down to is other people it's about knowing the right people um meeting the right mentors having the right people on your team getting a recommendation from someone for an amazing job opportunity a lot of doors open for you when you know the

right people so people who have really amazing powerful networks definitely didn't get there by accident they invested time into meeting new people and nurturing those relationships so one really easy way to do this is to just go out to eat with one new person because we all have to eat anyway right so I might as well arrange a quick lunch or a dinner with somebody new and that'll really open up your world in a lot of ways for example the other week my boyfriend threw a conversation with someone at a party and then an introduction

that person made for him he was able to double his income in a matter of weeks so don't underestimate what one key introduction might do for you all right this next tiny habit again because health is wealth is something called the 3030 rule I didn't come up with this my friend Justin who's a health and nutrition coach taught me this but he advises to eat 30 gram of protein within 30 minutes of waking up this might apply more to women than men but it's super important to jump start your metabolism and stabilize your blood sugar

first thing in the morning otherwise the rest of your day your hormones go crazy and your metabolism slows down down and you also lose energy so before I started doing this I would like crash at 3:00 p.m. and have to just lay on the couch or drink a bunch of coffee to keep going but ever since I started eating 30 grams of protein within 30 minutes of waking up mostly with a really delicious protein smoothie I have had so much energy and haven't needed coffee in the midafternoon so again like when you're healthy you have

energy to do things to accomplish things that will make you more money and just make you a really successful person so the 3030 rule 30 g of protein within 30 minutes of waking up try it all right this next tiny habit is one that I love it's very near and dear to my heart it's basically to send a text a voice note or phone call to a friend or a family member or someone that you care about and this doesn't have to be some long 2hour catchup that you put on the calendar it could actually

just be an impromptu phone call that you make to your best friend while on a walk maybe you haven't talked to your mom or dad in a while send them a little voice note these little things make a big difference first in your mental health cuz feeling connected to your loved ones makes a huge difference in your emotional well-being and that obviously spills over into productivity and being able to do things that make a lot of money in your life you rarely see a successful wealthy person who is absolutely miserable and has no friends and

family in their life it's just you're going to be too depressed to really do anything that's just that's not how it works let's not be so fixated on just dollars and cents in your bank account there is also something called social capital the stronger your relationships are the more people you have to rely on in times of need the more people you can talk to for opportunities sometimes sometimes you can just rely on relationships instead of paying people to do things you can just have your friend help you out social capital is a real thing

and this social capital can be built throughout the little pockets of your day sending that little text sending a little voice note and just minimal efforts like that all right tiny habit number 18 is to do something that makes you happy every single day it doesn't have to be a long thing it could just be a 10-minute walk on the beach at Sunset it could be a really brief cuddle with your dog on the couch it could also be watching Netflix I love watching my Netflix show almost every week night I've been watching just a

short 30 minute 50-minute episode of Emily in Paris or sex in the city or just you know it's my little Indulgence most week nights when I do have the time or it could just be something simple like cuddling Jupiter now maybe you think people who are rich like are working all the time and it's hustle culture 24/7 but that really doesn't work it's not sustainable because to really be effective and accomplish big things you need to take care of yourself you need to make Joy a priority and have good emotional well-being so doing little things

that make you happy and give you pleasure go a really long way don't think that you need to be some sort of 24/7 Hustler who never does anything fun or takes a break it's a marathon not a Sprint so it's all about balance this next tiny habit is to use your weekends and your week nights your free time to to build an extra income stream or learn a new income generating skill rather than Doom scrolling social media or spending all of your free time watching Netflix you know nothing wrong with Netflix but spending all of

your time only watching Netflix now that's where it becomes problematic in that time you could learn a new language which could potentially get you a promotion at work or you could use that time to build a side hustle like starting a YouTube channel or starting some sort of Shopify shop you know use the little extra pockets of time to build something of your own most of us don't have unlimited time to just build new income streams but in the pockets of your time it all adds up 1 hour there two hours there throughout the week

that could be 5 hours a week and over time that's 25 hours a month and although I can't do the math off the top of my head over the course of a year that that could be hundreds of hours that goes towards building a brand new income stream that could even maybe take over your full-time job that's actually what happened to me I was still working my main job while building my YouTube channel on the side until one day my YouTube channel was enough to support me and I didn't have to do anything else all

right and for my last and final 20th tiny habit that made me rich is to check your net worth once in a while as a refresher net worth is your assets the total of all your savings and accounts and Investments minus your liabilities which is the total of all of your debts and everything you owe and it's good to just keep track of this first of all it's good to know just where you stand right now and to check that over time that number is going more and more positive that you're at least moving in

the right direction most people don't just get rich by accident it has to be something intentional that you monitor over time and make sure that you're at least making progress so keeping track of your net worth always knowing where you stand and where you'd like it to be and the next time you look at it is a really good tiny little habit that will make such a big difference the other kind of side benefit of tracking your net worth is it forces you to be on top of everything that you own and everything that you

owe and that again and just being on top of your finances is again one really key part of becoming rich so that's it for my 20 tiny habits I hope you liked them think of this as just a menu of options you definitely don't have to do all of these I don't necessarily do all of these all at once all the time it's just things over the last few years that have helped me so what I recommend is just pick one of these 20 tiny habits to start and once that habit gets really installed and

ingrained and becomes an automated part of you then think about adding on more you do not have to do everything at once you can always start small that doesn't mean that you're thinking small but you'll be shocked at how doing small consistent things over a period of time will make a difference one day you're going to look back at all the progress that you've made all the money and income that you've uplevel and you'll be so amazed and proud of yourself all right that's it for this video thank you so much for watching as always

and I will see you next week same time same place [Music]