10 Habits of Rich People

Your Habits Are Keeping You Broke

If you're not where you want to be financially, it's not because you're unlucky or lack opportunities.

It’s because your daily habits suck.

I’ve coached countless entrepreneurs, built a multi-million dollar business, and climbed out of financial chaos more than once.

The difference between winners and losers isn’t luck, it’s habits.

Here are the 10 proven habits wealthy people use that you probably don't.

1. Track Every Dollar (Seriously, Every Dollar)

Rich people know exactly where their money goes, down to the last cent.

I’ve tracked every penny for 15 years using apps like Monarch. It automatically categorizes spending and income.

A Duke University study found people who track spending cut expenses by 16% without changing their lifestyle.

Action: Download Monarch or another tracking app and categorize your spending. It’ll instantly tighten up your financial game.

2. Work More, Invest the Difference

Average people barely clock in 36 hours a week, then complain about being broke.

Rich people? They see weekends as extra earning opportunities.

Working just 20 extra hours a week adds up to 1,000 hours a year, that’s essentially 1.5 years of productivity packed into one year.

Invest that extra cash rather than inflating your lifestyle, and you’ll create a wealth gap your competition can’t close.

3. Schedule Every Hour of Your Day

Stop lying, you’re not too busy; you’re just unorganized.

I run a multi-million dollar company with dozens of employees and still schedule time for my family, workouts, and leisure.

Why? Because I plan every single hour in my calendar.

Action: Tonight, map out your entire day tomorrow. Do this consistently, and watch your productivity explode.

4. Track Your Macros (Your Money Depends on It)

Health and wealth are linked. Poor discipline with food usually means poor discipline with money.

A Duke study showed simply tracking calories helped participants lose weight effortlessly. Why? Because tracking automatically improves decisions.

The same applies to your finances.

Action: Track your macros using apps like MyFitnessPal. Better health equals better discipline and better decisions across your life.

5. Read At Least One Book a Week

Rich people read. Period.

Elon Musk, Bill Gates, Ray Dalio, they all consistently devour books. Books provide concentrated, high-quality knowledge that podcasts or videos can't match.

I've read two books a week for years, sharpening my critical thinking, vocabulary, and problem-solving skills.

Action: Start reading one book every week. Audiobooks count. Make it non-negotiable.

6. Take Cold Showers (It's Not Just Tough Guy Talk)

Cold showers boost dopamine by up to 200%, enhancing motivation and mood.

Studies also prove cold showers significantly reduce illness. Being sick costs you money and productivity.

I've taken cold showers daily for nearly a decade. Haven’t been sick in eight years.

Action: End every shower cold for 30 seconds, then gradually increase it. It’s scientifically proven to make you tougher and healthier.

7. Walk Every Day (Without Your Phone)

A 30-minute walk alone with your thoughts is mental medicine.

It boosts creativity, problem-solving, and emotional clarity. Studies confirm daily walkers have fewer sick days and greater mental resilience.

I started walking daily after my dad passed. It helped clear my mind and sparked solutions to life’s biggest problems.

Action: Schedule a daily, distraction-free walk for 30 minutes. No phone, no music, just your thoughts.

8. Hire a Trainer (Even If You Think You Know It All)

Think you know enough about fitness? You don't.

Hiring a trainer accelerated my fitness progress more in three months than years on my own.

Experts spot blind spots and give immediate feedback. That instant feedback loop makes you progress faster.

Action: Hire a coach or trainer in at least one area of your life, fitness, business, music. You’ll see immediate, significant improvement.

9. Meditate Daily (Stop Being a Spaz)

Meditation scientifically strengthens your brain’s logical decision-making center and shrinks the emotional panic center.

Harvard studies confirm that consistent meditation makes you calmer, smarter, and less reactive.

I meditate twice daily for 15 minutes, haven’t had a stressful meltdown in over a decade.

Action: Commit to at least 10 minutes of daily meditation. Apps like Headspace make it easy.

10. Track and Plan Everything (Or You’ll Fail)

The difference between dreams and reality lies in the crucial elements of planning and tracking.

While dreams are often abstract and intangible, transforming them into reality requires a structured approach.

Wealthy and successful individuals understand this distinction and meticulously plan their goals with precision and foresight.

They take the time to break down their overarching objectives into smaller, manageable ones, and track every step towards that progress.

Treat your life like a business and you’ll grow like one.

BMM Takeaway

Your life won’t change until your habits change.

Rich people aren’t special, they’re consistent.

Pick just one or two habits from this list and commit to them today. Keep adding more until your lifestyle naturally aligns with success.

This year can be your breakout year. But only if you stop making excuses and start building habits that actually make you rich.