20 Tiny Habits That Made Me Rich

Summary

This video script outlines 20 small habits that have contributed to the speaker's journey to becoming a millionaire. Starting the day with gratitude, setting up automatic savings, and time batching are just a few of the strategies shared. The speaker emphasizes the importance of productivity, automated investments, and prioritizing crucial tasks. Additionally, they advocate for intentional social media use, learning to delegate, and maintaining a healthy lifestyle to boost wealth. The summary also includes the significance of tracking net worth and suggests starting with one habit at a time for gradual yet impactful financial growth.

Takeaways

• 😌 Starting the day with gratitude can set a positive tone and attract opportunities.
• 💰 Setting up automatic transfers to savings or investment accounts is a crucial habit for wealth accumulation.
• 🕒 Batching similar tasks together can minimize context switching and increase productivity.
• 🏦 Automating investments using dollar-cost averaging can reduce risk and improve market entry prices over time.
• 🐸 'Eating the frog' by tackling the most challenging task first can boost productivity and confidence.
• ✍️ Writing down financial goals can significantly increase the likelihood of achieving them.
• 📱 Using social media intentionally for networking and marketing rather than mindless scrolling.
• 🛍️ Learning to delegate tasks and value your time can help you focus on higher-priority activities.
• 🌞 Regular exposure to sunlight for at least 30 minutes daily contributes to overall health and well-being.
• 🔍 Regularly reviewing and understanding your spending habits can lead to more informed financial decisions.
• 📈 Maintaining a 'why I'm awesome' file to document achievements can be beneficial for salary negotiations.
• 🛒 Making a shopping list before grocery shopping helps in being intentional with purchases and saving money.
• 🧠 Automating daily routines to reduce decision fatigue allows for more mental energy to focus on important tasks.
• 📚 Listening to money-related audiobooks during chores can enrich your financial knowledge and mindset.
• 🤝 Having regular lunches with new people can expand your network and open up opportunities.
• 🥚 Following the 30-30 rule of eating 30g of protein within 30 minutes of waking up can boost metabolism and energy levels.
• 📞 Staying connected with loved ones through small gestures like texts or calls can positively impact mental health and social capital.
• 😊 Incorporating activities that bring joy into daily life is essential for emotional well-being and sustainable success.
• 📈 Using free time to develop new income streams or skills can lead to significant financial growth over time.
• 💼 Periodically checking your net worth helps monitor financial progress and maintain a clear financial picture.

Q & A

What is the first habit mentioned in the script for starting the day on a positive note?

The first habit is to stay in bed for about 2 minutes after waking up, thinking about what you're grateful for and feeling the joy and gratitude in your body.

How does the speaker suggest setting up a habit for saving money?

The speaker suggests setting up an automatic transfer into a savings or investment account for the future every single pay period, making it a non-negotiable part of one's financial routine.

What is the concept of 'batching your time' as mentioned in the script?

'Batching your time' refers to grouping similar tasks together and doing them all at once, rather than spreading them out throughout the week, to minimize context switching and increase productivity.

What is the strategy called 'dollar cost averaging' and how is it used in the script?

Dollar cost averaging is an investment strategy where a fixed amount of money is invested in the stock market at regular intervals, regardless of the market's performance. It helps in reducing the impact of market volatility and can improve the average entry price over time.

What does the term 'Eating the Frog' mean in the context of the script?

'Eating the Frog' is a metaphor for tackling the most challenging or important task first thing in the morning, ensuring that it gets done and leading to a sense of accomplishment and productivity for the rest of the day.

According to the script, why is writing down financial goals important?

Writing down financial goals is important because it increases the likelihood of achieving them by 42%, as found in a study mentioned in the script. It helps in maintaining focus and providing a clear direction for financial aspirations.

What is the speaker's advice on using social media?

The speaker advises using social media intentionally, either for networking, meeting people who can open up opportunities, or for marketing and selling services. The key is to avoid aimless scrolling and instead use social media as a tool for professional growth.

Why is it important to delegate tasks according to the script?

Delegating tasks is important because it allows you to focus on high-value activities that contribute more significantly to your financial goals. It also helps in valuing your time and ensuring that you are not overburdened with menial tasks.

What is the significance of getting outside and getting sunshine as a habit mentioned in the script?

Getting outside and getting sunshine for at least 30 minutes a day is important for health as it boosts mood, creates vitamin D, and regulates hormone levels. Good health contributes to overall well-being and productivity, which in turn can help in achieving financial success.

Why should one review their spending and subscriptions regularly as suggested in the script?

Reviewing spending and subscriptions regularly helps in building awareness about one's spending habits, which can naturally adjust spending behavior and prevent unnecessary expenses. It's a proactive approach to managing personal finances and moving towards financial goals.

What is the 'Why I'm Awesome' file and how does it benefit one's career?

The 'Why I'm Awesome' file is a running list of personal and professional achievements, documented with concrete data and numbers. It serves as leverage for negotiating pay raises and serves as a reminder of one's value and accomplishments, boosting confidence and aiding in career advancement.

How does the habit of making a shopping list before grocery shopping help in achieving financial goals?

Making a shopping list before grocery shopping helps in being intentional with purchases, preventing overspending, and ensuring that only necessary items are bought. This habit contributes to better financial management and is a step towards achieving financial goals.

What is the concept of 'decision fatigue' and how can automating life help in reducing it?

Decision fatigue refers to the depletion of mental energy that results from making too many decisions throughout the day. Automating life by establishing routines and systems for meals, outfits, workouts, and schedules can reduce decision fatigue, allowing one to focus mental energy on more important tasks.

Why is it recommended to listen to money audiobooks while doing chores in the script?

Listening to money audiobooks while doing chores is a way to enrich the mind and change one's perspective on wealth and money without spending extra time. It helps in acquiring new insights and strategies for financial success while utilizing time that would otherwise be spent on mundane tasks.

What is the significance of having lunch with at least one new person every month as a habit?

Having lunch with at least one new person every month helps in expanding one's network, which is crucial for opening up new opportunities, partnerships, and increasing income potential. Networking is a key factor in professional and financial growth.

What is the '3030 rule' mentioned in the script and how does it contribute to health and wealth?

The '3030 rule' refers to eating 30 grams of protein within 30 minutes of waking up. This habit is believed to jump-start metabolism and stabilize blood sugar, leading to increased energy levels throughout the day. Good health and energy are essential for productivity and achieving financial success.

Why is it important to maintain social connections and reach out to loved ones as a habit?

Maintaining social connections and reaching out to loved ones is important for mental health and emotional well-being. Strong relationships contribute to social capital, which can provide support, opportunities, and a sense of belonging that enhances overall life satisfaction and success.

What is the significance of doing something that makes you happy every day as a habit?

Doing something that makes you happy every day is a habit that contributes to emotional well-being and a balanced life. It helps in preventing burnout and maintaining the motivation and energy required to achieve long-term financial and personal goals.

How can using free time to build an extra income stream or learn a new skill benefit one's financial situation?

Using free time to build an extra income stream or learn a new skill can lead to additional sources of income and career advancement. Over time, these efforts can accumulate and result in significant financial growth, potentially leading to greater financial security and independence.

Why is it recommended to check your net worth periodically as a habit?

Checking your net worth periodically helps in monitoring financial progress and ensuring that you are moving in the right direction. It also forces one to be aware of assets and liabilities, which is a key aspect of financial management and wealth accumulation.

Outlines

00:00

💰 Building Wealth Through Small Habits

The speaker dispels myths about getting rich through extravagant routines or overnight success. Instead, they emphasize the importance of consistently practicing small habits. They share their personal journey to becoming a millionaire in their 30s and introduce 20 habits that contributed to their wealth. The first habit discussed is expressing gratitude upon waking, which sets a positive tone for the day and aligns with the frequency of attracting opportunities.

05:02

🏦 Automating Savings and Investments

The speaker highlights the importance of setting up automatic transfers to a savings or investment account during each pay period. This is a one-time setup that leads to significant savings over time without constant effort. They also discuss the benefits of dollar-cost averaging, a strategy that involves investing a fixed amount regularly, regardless of market conditions, to improve average entry prices and minimize investment risks.

10:03

🕒 Time Management and Productivity

Productivity and wise time management are key to wealth accumulation. The speaker suggests batching similar tasks together to reduce the cognitive load of task-switching and to streamline daily routines, such as meal prepping for the week in one go. This approach maximizes efficiency and allows for more time to focus on high-impact activities that contribute to financial success.

15:03

📈 Eating the Frog: Prioritizing Difficult Tasks

The concept of 'eating the frog' is introduced as a metaphor for tackling the most challenging and important tasks first thing in the morning. This habit helps overcome procrastination and boosts productivity and confidence throughout the day. The speaker advises focusing on high-impact activities that drive progress towards financial goals rather than getting lost in less important tasks.

20:03

📝 Writing Down Financial Goals

According to the speaker, writing down financial goals significantly increases the likelihood of achieving them, as supported by a study that found a 42% increase in goal achievement through this practice. The speaker shares their personal experience of setting and writing down financial goals, such as debt repayment and business revenue targets, which they successfully achieved.

🤳 Intentional Social Media Use

The speaker warns against aimlessly scrolling on social media and instead encourages its intentional use for networking, marketing, and business opportunities. They share personal strategies for limiting time on social media platforms, such as setting time limits through apps or timers, to prevent wasted hours and maintain focus on financial goals.

🛍️ Delegating Tasks to Value Time

The speaker advocates for delegating tasks to free up time for more important activities. They argue that valuing one's time and outsourcing tasks, even without a large budget, can lead to significant savings and allow for focusing on high-value work. Examples include using grocery delivery services or task outsourcing platforms to save time for more productive endeavors.

☀️ The Importance of Daily Sunshine

Health is equated to wealth in this section, with the speaker emphasizing the importance of getting at least 30 minutes of sunlight daily. Sun exposure is linked to mood enhancement, vitamin D production, and hormone regulation, all of which contribute to overall well-being and the energy required to pursue financial goals.

💳 Reviewing and Managing Expenses

The speaker stresses the importance of regularly reviewing spending habits through credit card and bank statements. They argue that awareness of spending can naturally adjust consumption patterns and prevent financial surprises. The speaker encourages canceling unused subscriptions and making small adjustments to spending to build wealth.

📁 Creating a 'Why I'm Awesome' File

The speaker introduces the concept of a 'Why I'm Awesome' file, a record of personal and professional achievements that serves as leverage for salary negotiations and raises. They emphasize the importance of documenting accomplishments with concrete data and using this file to advocate for one's value and deserved compensation.

🛒 Making a Grocery Shopping List

The habit of making a shopping list before grocery shopping is highlighted as a way to save money and be intentional with purchases. The speaker shares personal strategies to avoid overspending and ensure that only necessary items are bought, contributing to better financial management.

🔄 Automating Life to Reduce Decision Fatigue

The speaker discusses the concept of decision fatigue and its impact on productivity. They suggest automating routines and decisions where possible, such as meals, outfits, workouts, and financial investments, to conserve mental energy for more important tasks and goals.

📚 Listening to Money Audiobooks During Chores

The speaker recommends listening to money-related audiobooks during chores to enrich the mind and change one's financial mindset. They share a list of recommended audiobooks that have significantly impacted their perspective on wealth and possibilities.

🤝 Having Lunch with New People Monthly

Networking is emphasized as a key to expanding income and opportunities. The speaker suggests having lunch with at least one new person each month to build connections that could lead to job opportunities, business partnerships, or other lucrative outcomes.

🥚 The 30/30 Rule for Morning Protein Intake

The speaker introduces the 30/30 rule, which involves consuming 30 grams of protein within 30 minutes of waking up, to jump-start metabolism and stabilize blood sugar levels. This habit is said to provide sustained energy throughout the day and support overall health and productivity.

📞 Staying Connected Through Quick Outreach

The importance of maintaining social connections for mental health and well-being is discussed. The speaker encourages making brief, impromptu calls or sending texts and voice notes to loved ones to foster strong relationships, which can also contribute to social capital and support networks.

🎉 Prioritizing Daily Happiness for Well-being

The speaker argues against the idea of constant hustle and emphasizes the importance of making joy a priority for emotional well-being. They suggest incorporating small activities that bring happiness into daily life, as this contributes to a balanced and sustainable approach to achieving wealth and success.

📈 Utilizing Free Time for Skill Building

The speaker encourages using free time to develop new income-generating skills or build an additional income stream, such as learning a new language or starting a side business. They highlight the importance of investing time in personal growth and financial development over passive activities like watching TV.

💰 Periodically Checking Net Worth

The final habit discussed is the periodic review of one's net worth, which includes assets and liabilities. The speaker recommends this practice as a way to monitor financial progress and ensure that one is moving in the right direction towards wealth accumulation. Tracking net worth also involves staying informed about personal finances.

Keywords

💡Gratitude

Gratitude is the feeling of appreciation and thankfulness for what one has. In the video, it is emphasized as a starting point for the day to set a positive tone, which is believed to attract opportunities and align with the frequency of abundance. The script mentions staying in bed for a moment to think of at least three things to be grateful for, illustrating the practice of cultivating gratitude.

💡Automatic Transfer

An automatic transfer refers to a recurring monetary transaction set up to move funds automatically from one account to another. The video suggests setting up an automatic transfer to a savings or investment account as a strategy for wealth accumulation. It is presented as a way to 'hack' one's psychology to save consistently without the need for constant decision-making.

💡Productivity

Productivity is the efficiency of an individual's work or the rate at which products are produced. The script discusses the importance of being productive and managing time wisely as a key to wealth creation. It suggests 'batching' tasks to minimize context switching and increase efficiency, exemplified by meal prepping and planning all meals for the week in one go.

💡Dollar Cost Averaging

Dollar cost averaging is an investment strategy where a fixed amount of money is used to regularly purchase a particular investment, regardless of its price. The video explains that this strategy helps to automate investments, reduce the risk of market timing, and potentially improve the average entry price into the stock market over time.

💡Eating the Frog

Eating the frog is a metaphor for tackling the most challenging or important task first thing in the day to ensure it gets done. The video script uses this concept to encourage viewers to prioritize their most significant tasks, which can lead to a sense of accomplishment and boost productivity throughout the day.

💡Goal Setting

Goal setting is the process of identifying something one wishes to achieve. The video emphasizes writing down financial goals regularly, citing a study that found individuals are 42% more likely to achieve their goals this way. The script provides the example of setting and writing down specific financial targets, such as paying off debts or accumulating investments.

💡Social Media Intentionality

Social media intentionality refers to the deliberate and purposeful use of social media platforms. The video advises using social media for networking and marketing rather than aimless scrolling. It suggests setting time limits and using social media as a tool for professional growth and opportunity creation.

💡Delegation

Delegation is the act of assigning tasks or duties to another person. The script encourages viewers to delegate tasks to free up their time for more important activities, arguing that valuing one's time and relying on others can be a game-changer in achieving wealth and success.

💡Sunshine

Sunshine is the light and heat that comes from the sun. The video mentions getting outside for at least 30 minutes a day to soak up the sun as a simple way to improve health and mood, which indirectly contributes to wealth creation by promoting a positive mindset and well-being.

💡Subscription Cancellation

Subscription cancellation refers to the act of ending a recurring service or product delivery. The video suggests reviewing and canceling unused subscriptions as a way to manage spending and save money, which is an essential habit for building wealth.

💡Why I'm Awesome File

The 'Why I'm Awesome File' is a personal record of achievements, both personal and professional. The video describes it as a tool for self-reflection and leverage in salary negotiations. It encourages documenting concrete accomplishments and using them to advocate for higher pay, demonstrating self-worth and contribution.

Highlights

The importance of cultivating small, consistent habits for long-term wealth accumulation rather than seeking overnight success.

Starting the day with gratitude to attract opportunities and set a positive tone for the day.

Automating savings transfers to create a habit of saving without constant decision-making.

The psychological benefits of batching similar tasks to minimize context switching and increase productivity.

Implementing dollar-cost averaging as an investment strategy to mitigate market volatility and improve returns.

The concept of 'eating the frog' to tackle the most challenging tasks early and boost productivity.

The significance of writing down financial goals to increase the likelihood of achieving them.

Using social media intentionally for networking and marketing rather than aimless scrolling.

Learning to delegate tasks to free up time for more important activities and value your time effectively.

The health benefits of daily sunlight exposure and its impact on mood and overall well-being.

Regularly reviewing and managing spending habits to build financial awareness and control.

Creating a 'why I'm awesome' file to document achievements and leverage them for salary negotiations.

The impact of making a shopping list on intentional spending and avoiding overspending.

Automating daily routines to reduce decision fatigue and conserve mental energy for important tasks.

Utilizing time spent on chores to listen to money-related audiobooks for mental enrichment.

Networking by having monthly lunches with new people to expand opportunities and gain insights.

The 30/30 rule for starting the day with protein to boost metabolism and maintain energy levels.

The value of maintaining social connections through small gestures for emotional well-being and support.

Incorporating activities that bring joy into daily life for a balanced approach to wealth accumulation.

Using free time to develop new income streams or skills instead of passive consumption.

Periodically checking net worth to monitor financial progress and maintain intentional wealth growth.

Transcripts

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]