28 Life-Changing Books + Free Printable List

*This post contains affiliate links. That means I receive a small commission that could help me on my debt-free journey —at no extra cost to you—if you make a purchase using the links.

Do you believe books can change your life? I surely do! Books are bae! 

My fondness for a good page-turner came after leaving college. That’s when I realized no one was gonna save me from my debt or give me the life that I wanted BUT ME! The local library became my pusha and books, my drug of choice. Books taught me how to dream bigger and manage money better.

This year, I decided to read all of the 28 life-changing books curated by @FutureNow, formerly @FutureSuccessors, of Instagram. I had already read 8 by coincidence. So 2019 is marked for reading the remaining 20 books on the list.

I’ll also apply, at least, one thing that I learned from each book. Knowledge alone isn’t power. Applied knowledge is power.

Do you want to join me? You don’t have to read all 28 books this year, but start by reading 12 (an average of 1 per month). 

The Life-Changing Books List

  1. The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich by Tim Ferriss
  2. The Intelligent Investor: The Definitive Book on Value Investing by Benjamin Graham
  3. The Millionaire Fastlane: Crack the Code to Wealth and Live Rich for a Lifetime by MJ DeMarco
  4. The Compound Effect: Jumpstart Your Income, Your Life, Your Success by Darren Hardy
  5. Outliers: The Story of Success by Malcolm Gladwell
  6. The Richest Man in Babylon by George S. Clason
  7. The Secret by Rhonda Byrne
  8. The Millionaire Next Door: The Surprising Secrets of America’s Wealthy by Thomas J. Stanley and William D. Danko
  9. Tools of Titans: The Tactics, Routines, and Habits of Billionaires, Icons, and Word-Class Performers by Tim Ferriss
  10. The Alchemist by Paolo Coelho
  11. The Miracle Morning: The Not-So-Obvious Secret Guaranteed to Transform Your Life Before 8AM by Hal Elrod
  12. The Subtle Art of Not Giving a F*ck: A Counterintuitive Approach to Living a Good Life by Mark Manson
  13. Extreme Ownership: How U.S. Navy Seals Lead and Win by Jocko Willink and Leif Babin
  14. The Power of Broke: How Empty Pockets, a Tight Budget, and a Hunger for Success Can Become Your Greatest Competitive Advantage by Daymond John
  15. Tap Dancing to Work: Warren Buffett on Practically Everything, 1966-2013 by Carol J. Loomis
  16. The Magic of Thinking Big: Acquire the Secrets to Success…And Everything You’ve Always Wanted by David J. Schwartz
  17. Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki
  18. Zero to One: Notes on Startups, or How to Build the Future by Peter Thiel
  19. The Snowball: Warren Buffett and the Business of Life by Alice Schroeder
  20. The ONE Thing: The Surprisingly Simple Truth Behind Extraordinary Results by Gary Keller
  21. Sell or Be Sold: How to Get Your Way in Business and in Life by Grant Cardone
  22. How to Win Friends & Influence People: The Only Book You Need to Lead You to Success by Dale Carnegie
  23. Think and Grow Rich by Napoleon Hill
  24. The Power of Now: A Guide to Spiritual Enlightenment by Eckhart Tolle
  25. Crushing It! How Great Entrepreneurs Build Their Business and Influence—and How You Can, Too by Gary Vaynerchuk
  26. The 7 Habits of Highly Effective People: Powerful Lessons in Personal Change by Stephen R. Covey
  27. Awaken the Giant Within: How to Take Control of Your Mental, Emotional, Physical and Financial Destiny! by Tony Robbins
  28. The Psychology of Selling: Increase Your Sales Faster and Easier Than You Ever Thought Possible by Brian Tracy

I’ve created a handy-dandy book list and reading log to track my progress and jot down notes, especially about what action steps I’ll take. I’ve given you, newsletter subscribers, a free copy of one book in the Freebies section, too. Shhhh…don’t tell anybody. Don’t say I never gave you anything, OK? 😉

Wise Woman Wallet Book List and Reading Log Blog Graphic

Which book should I read first? What are Wise Woman Wallet’s favorite books?

These are tough questions. As of August 20, 2019, I’ve read 21 out of 28 books (8 of them before I discovered this curated list). 

The first two books that actually changed my life, though, were The Millionaire Next Door and Rich Dad, Poor Dad.

The Millionaire Next Door showed me that it was possible for little, ol’ me—a black woman from rural North Carolina—to become wealthy through a solid strategy, consistency and perseverance. Roughly 80% of millionaires in the U.S. were first-generation millionaires, the authors said.

This book was one of the first to study the habits of millionaires—what cars did they drive, how much did they pay for their homes. Peeling back those layers helped me get into the millionaire mindset and inspire me to think I could change my family tree in one generation, too.

Rich Dad, Poor Dad really rocked my world. Robert T. Kiyosaki grew up in Hawaii. His biological dad was a higher-up in the state’s education department. He thought getting a well-paid job with benefits and more degrees and certificates would increase his income and produce wealth. He’s Poor Dad. Kiyosaki considered his childhood friend’s father his other dad, in a sense. Rich Dad was not formally educated, but he became one of Hawaii’s most successful businessman. Rich Dad taught Kiyosaki everything about creating wealth.

The book made me realize how I had been living by so many money myths, how mindset plays such a significant role in whether you’ll build wealth, and how the U.S. education system has been producing sheep-like employees who toil 9-to-5 for decades at a job.

And then he showed this chart about how rich- and poor-minded folks think about money, assets and liabilities. MIND=BLOWN! I immediately saw I had been screwing up with money. If you want the full context this chart, then read the book now.

Rich Dad Poor Dad's cash patterns of the rich versus the middle class.

If you like to get swept away in good storytelling and eat medicine in your candy, The Alchemist and The Richest Man in Babylon are awesome choices.

As of August 20, 2019, I have read 21 of the 28 life-changing books. They’re marked checks—green marks were read before 2019 and yellow marks were red in 2019. Books I’m currently reading are marked by the purple and white star).

In The Alchemist, a shepherd named Santiago travels from his home in Spain to the Egyptian desert in search of a treasure. As you can imagine, he meets quite a few characters and several roadblocks. I don’t want to give away all of the lessons, but the book reiterated that failure is part of success. Failure is feedback. Learn the lessons and move on with a different strategy, but don’t give up on the goal.

The Richest Man in Babylon gives you direct instructions on how to do well with money through engaging parables set centuries ago. At first, you’re like “What in the world could I learn from camel trader and chariot builder stories?” But then you get sucked into the vivid descriptions and lively dialogue.

The book starts off with Arkad, the Richest Man in Babylon. His friends from back in the day complain to him about how he dons the finest clothes and eats the rarest foods while they still struggle. They wonder how they started out at the same level and in the same field of clay tablet scribing, but he’s the only one who achieved major success. Arkad reveals how he learned from an old, rich man, and then teaches others at the Temple of Learning the Seven Cures for a Lean Purse.

“LO, MONEY IS PLENTIFUL FOR THOSE WHO UNDERSTAND THE SIMPLE RULES OF ITS ACQUISITION.” — The Richest Man in Babylon

The Richest Man in Babylon was first published in 1926. I read it over 2-3 days on my phone while I was traveling in 2018 and found that everything—and I mean EVERYTHING— in the book about budgeting, saving, and investing still applies today. If you only read the Seven Cures for a Lean Purse, you’ll have a blueprint for financial success.

How can I read these books on the cheap?

  • Get a library card and check out all of the books you can carry to your car.
  • If you have a valid library card or school ID, perhaps you can borrow ebooks from your library or school’s digital collection using the OverDrive app.
  • Get free 30-day trials through Audible.com, Audiobooks.com or Scribd.com and listen to the audiobooks while you’re taking a stroll, commuting or cleaning. (Set an alarm on your phone a few days before the trial ends to cancel your subscription if you don’t want to start getting charged. Spread out your free trials i.e. get 1 per month consecutively.)
  • Borrow books from your friends. If you start a book club, perhaps you could trade books at the end of each month.
  • Buy used books from a store like McKay’s, which caters to North Carolina and Tennessee residents. Perhaps your city might have a used bookstore, too. Here’s the cool thing about McKay’s: You can trade in toys, games, books and DVDs for other items in the store. Declutter and save!
  • Buy used books at a local thrift store or library sales.

Will you join the reading challenge? Have you read any of these books? Please tell me about what you learned from the books in the comments below.

7 Reasons to Pause Your Debt Snowball

The debt snowball method is an effective way to pay DOwn debt until you’re finally debt-free. But do you think there are reasons to Pause Your Debt SNOWBALL?

The well-known debt snowball method suggests listing your debts in order from the smallest balance to largest balance. Then you throw extra money—”the snowball”—at the smallest balance while making minimum payments on the other debts.

After crushing that first debt, you roll over that payment into the next one on the list. The snowball gets bigger and bigger with each debt you eliminate.

By the time you reach the final debt with the largest balance, you will have amassed a giant snowball that will help you crush that debt faster than you initially imagined.

That good ol’ debt snowball is hard to stop when it gets rolling. But there are times when it’s perfectly fine to press pause. Really, it is.

We can get tunnel vision when focusing on a goal, but life happens and we must reconsider where to put our energy and our money.

7 reasons to pause your debt snowball

To pause your debt snowball means to continue making minimum payments on your debts, but putting any extra money toward other goals instead of making extra debt payments.

For example, you’ve been putting a combined $500 towards debt payoff each month: $300 to cover minimum payments and $200 toward your Visa credit card (the debt with the smallest balance). When you pause the debt snowball, you continue paying $300 to cover minimum payments and put that $200 towards another goal, which will be explained below. After you reach that short-term goal, you start paying $200 extra each month to Visa again.

The main reason to pause your debt snowball is to avoid going deeper into debt. Here are specific scenarios that fall under that umbrella.

1. you can’t cover your basic needs.

Stop everything! The debt snowball should not be a priority at the moment. Your mission is survival. This should go without saying, right?

Please just pay the minimum on your debts until you can cover your basic living expenses— rent/mortgage, utilities, groceries, gas for the car, etc.—with ease. Then you can reintroduce a little fun to your budget, e.g. occasionally dining out and a Netflix subscription. Having a little fun is crucial for your happiness.

After that, you can restart the debt snowball. I know it sucks to not be able to crush debt like you want, but it’s better than not having a roof over your head or food in your belly.

If you can’t make minimum payments on your debts, then please pick up the phone. Call your creditors and try to work out something. Who knows? They might put you on a lower payment plan, move your payment date back, eliminate fees or let you pause payments due to hardship. They can’t help you if you don’t alert them to your situation.

YOU MAY ALSO LIKE: The 5 Most Important Things I Did To Organize My Finances as a Newbie

Click here to read more.

Sinking Funds: Save Your Budget and Save For Fun (Free Printable Tracker)

THIS POST BREAKS DOWN HOW TO CALCULATE SINKING FUNDS TO PAY FOR FUTURE EXPENSES. KEEP READING TO DOWNLOAD A FREE PRINTABLE TRACKER.

*This post contains affiliate links. That means I receive a small commission that could help me on my debt-free journey —at no extra cost to you—if you make a purchase using the links.

Let’s talk about that time a sinking fund saved my life. 

Picture it: North Carolina. April 2016 A.D. 

I opened my bill for the 6-month car insurance premium and got hella sticker shock. ✉️😱

This is the testimony about sinking funds I shared in a Facebook group on April 30, 2016.

I thought, “Lawd, not another thing. I really don’t wanna touch my opportunity fund (read: emergency fund) for this. Guess I’ll do some more freelance writing gigs.”

Then it dawned on me that I had already saved this money. I smooth forgot that I started saving about $40 each payday in an online account (completely separate from my regular checking account) months ago. I went from PANIC to PEACE in about 5 minutes. 😩➡️😊

This was one of my very first sinking funds, but I didn’t even know what to call it then. 

I was living paycheck-to-paycheck. A large bill—unexpected or expected—would have caused a panic attack and definitely another dip in debt. I probably would’ve put that bill on a credit card had it not been for the sinking fund. Who knows how long it would’ve taken me to pay off. 

I want you to experience the same peace I did in April 2016. So let’s set up your sinking funds!

What is a sinking fund?

A sinking fund is a fund made for saving small amounts of money over time to cover an expense, often large and expected, in the future. A sinking fund allows you to save to spend. It’s what I created for my car insurance premium. I set up a Capital One 360 account and put about $40 in it each pay period until I had the full payment. 

Isn’t this the same as an emergency fund? Not really.

Click to get the FREE savings tracker & more!

How to Negotiate Salary: 4 Expert Tips For Women (Video)

If you’re like me, then you were never taught how to negotiate salary by your teachers or parents. Negotiating or asking for a raise evokes a host of emotions. For months, it made me cringe. 

But I read an awesome book (get your copy here), talked to other teachers and got the nerve to ask for a raise from a private tutoring client. 

I’m learning so much from this process. You probably could, too.

I asked Dorianne St. Fleur of YourCareerGirl.com to grade my approach and give tips on how us, ladies, can negotiate salaries. Dorianne is an executive coach for ambitious women of color ready to become powerhouse leaders and experts in their industries without losing themselves in the process. She is a wife, mom and veteran HR professional who’s been regularly making six figures.

Dorianne has helped herself and dozens of clients land their dream jobs and increase their salaries by tens of thousands of dollars. In 2017, she helped me decide between three teaching positions here in China. The position I chose boosted my income and quality of life, and accelerated my debt payoff.

Get into the video to catch these gems! 

How to Negotiate Your Salary or Pay Raise

Negotiation Tip No. 1: Get your mind right. 

“There’s this mindset shift that needs to happen even before the conversation about negotiation,” Dorianne says.

There are certainly issues with pay inequality that stem from large, systematic problems, she says. A white woman gets paid 77 cents to every white man’s dollar, according to the U.S. Census Bureau. Black women earn 61 cents and Latinas just 53 cents. But women can also perpetuate the wage gap by doubting themselves and failing to negotiate their salaries, Dorianne says. 

“Get your mind in the right spot,” the career coach suggests. “If you don’t own your value, if you don’t truly believe that you’re worth the money, why would your employer believe it?

Click to read the other 3 negotiation tips.

The Anti-Budget: The Easiest Budget to Follow (Free Printable Budget Planner)

The anti-budget is the perfect solution for someone looking to simplify their budget and stick to it. This post breaks down how to make an anti-budget tailored to your goals and needs. Keep reading to find the free printable budget planner.

*This post contains affiliate links. That means I receive a small commission that could help me on my debt-free journey —at no extra cost to you—if you make a purchase using the links.

Confession, fam. I hate budgets!

Well, budgeting itself is cool. It’s the key to hitting my saving and debt payoff goals. I just hate cookie-cutter budgets: the 80/20 budget, the 50/30/20 budget, the traditional budget that lists 50 budget categories. Who’s going to track expenses for 50 budget categories?! “Not I,” said this debt-slaying woman. 

I just wanna know that my bills are paid on time, I’m saving and I’m crushing debt. Budgets that are tailored to our specific needs and personality work best. When I gave up trying to fit my goals into a traditional budget, the stress went away. 

The anti-budget works for me. Maybe it can do the same for you.

What is an anti-budget? 

The anti-budget is a spending plan that doesn’t focus on what you’re spending, but rather on meeting your savings goals, debt payoff goals and essential spending needs up top. Then the rest of the money is for guilt-free spending. Hey, latte! Hey, avocado toast! 

Who is the anti-budget for?

  1. People who hate budgets (think budgeting is too hard or can’t stick to a budget).
  2. Folks who appreciate budgets, but hate lots of categories.
  3. People who don’t like tracking every discretionary expense manually.
  4. Those who subscribe to “Pay yourself first” for saving.
  5. People who want to spend on fun stuff guilt-free.

Does this sound like you? Great! Keep reading. 

The anti-budget simplifies your spending plan so you can satisfy your needs and goals, and know exactly how much money you have for fun stuff. Download the free printable budget planner to make your anti-budget.

Click here to learn how to make an anti-budget.

10 Steps to Paying Off Balance Transfer Cards Early

It seems simple, right? To pay off balance transfer cards—or any debt— you spend less than you earn and send the leftover money to the lender. That’s true, but there’s a lot more to it. You have to get your mind right and set up systems that support your debt-payoff goals.

I’ve successfully and unsuccessfully used balance transfer cards to pay off debt quicker. I don’t recommend them unless you’re disciplined and follow these tips. I nearly maxed out the latest balance transfer card and was determined to pay it off before the 0% interest rate expired in December 2018. In this post, I’ll break down each step I took to pay off a balance transfer card 5 months early.

Balance Transfer Card Debt Breakdown
Here’s the timeline:
  • August 2017: I got approved for the Barclaycard Ring Mastercard, a 0% interest balance transfer card with a $0 balance transfer fee. Yep! I transferred my debts for free! I transferred two credit card balances and a grad school loan onto the balance transfer card (Bank of America Visa $2,194 + Old Navy Visa $1,943.87 + Grad School Loan $2,809.87 = Total $6,947.74).
  • December 2017:  I paid off the two credit card balances. Those interest rates were 19.40% and 25.24%, respectively.
  • July 2018: I paid off the balance transfer card in full.
  • December 2018: The date in which interest would have started accruing on the remaining balance if it were not paid in full.

10 Steps to Paying Off Balance Transfer Cards 2 Early 1

Click here get the 10 steps to paying off a balance transfer card early.

Create a Goals List in Canva for Free

It’s important to keep your goals front and center to stay on track and keep a positive mindset on this journey. That’s why I love sharing my intentions on Instagram every month. Canva.com is the place I go to design everything.

Canva is an incredible tool for all of your design needs. Instagram posts, blog headers, ebooks—it can all be done in Canva. I’m not sponsored by them. I’m just saying.

You can create a goals list like this on Canva.com with a free account in a few minutes.

Goals list created by Canva's free account

The list only consists of 5 elements:

  • yellow paintbrush stroke
  • heading or title i.e. “August Goals”
  • checkboxes
  • body text i.e. individual goals
  • watermark i.e. WISE WOMAN WALLET

When you want to check off an item, you can return to Canva and add check marks.

HERE’S HOW TO CREATE A GOALS LIST IN CANVA FOR FREE

Click here get step-by-step directions with images.

Which Debt Do I Pay Off First? Here are 4 Methods (Free Worksheet)

*This post contains affiliate links. That means I receive a small commission that could help me on my debt-free journey —at no extra cost to you—if you make a purchase using the links.

If you’re new to the debt-free journey, you might be lost in the sauce. You don’t know where to start in this debt-payoff process. “Which debt do I pay off first?!,” you shout. I feel you.

When I started to become financially literate, I didn’t know anyone personally who was paying off debt. I had to educate myself.

The first things I learned were YOU MUST PAY MORE THAN THE MINIMUM and ATTACK ONE DEBT AT A TIME. Don’t spread out your extra cash across two or three bills. 

Why? Studies show that when you focus on one debt at a time, you knock out debt considerably faster than those who spread the wealth over multiple accounts. Your brain likes to focus on one thing at a time. Go with it. 

  • Put extra money (“the debt eliminator” according to Patrice C. Washington) toward one debt.
  • Make minimum payments on the rest of your accounts until you pay off the first debt. 
  • Then roll over the extra money into the next debts until you’re DEBT-FREE! YAY!

Mathematically, the rollover method makes sense too. Look at the simplified example below.
Rollover versus Even Spread Payments

Rolling over shaves off 2 months! Putting all of your extra money toward one debt leads to a closer debt-free date. That’s what you want. Attack one debt at a time.

So which debt do you pay off first?

There are a few ways to prioritize debts. One of the first personal finance books I read was The Total Money Makeover by Dave Ramsey. He introduced me to the Debt Snowball. I read more and discovered the Debt Avalanche. Then I started making my own methods up. Let’s go through these four methods to prioritize which debt to pay off first. Then download the free worksheet or Excel spreadsheet to pick your favorite repayment strategy.

Click here to see the four debt repayment strategies.

2018 Mid-Year Reflections: Crushing goals and learning lessons

Wow, guys! We’ve made it halfway through another year. HOW SWAY?!? It was just winter yesterday!

Check out what I’ve accomplished so far and read the BIG NEWS about what’s coming up in the fall. Please share your wins and opportunities for improvement in the comments.

How have I done with my 2018 goals so far?

The goals include:

  1. Reduce debt balance by $18,000.
  2. Become a certified teacher in Florida through an online program.
  3. Pay cash only for all certification costs.
  4. Pay off Barclay balance transfer card by June 30.
  5. Climb the Great Wall of China.
  6. Create passive income stream(s).

Through dedication and the universe working in my favor, I’ve checked off 2.5 goals so far. I’ll explain the .5 in a bit.

  1. Reduce debt balance by $18,000. This was a goal I made before deciding to pursue my educator certification. If it weren’t for paying nearly $6,000 for the program, I would have kept up with my debt snowball and been on track to accomplish this goal. Instead, my debt balance has only been reduced by $3.074 from January to June. Womp womp! Maybe I should have amended this goal after I enrolled in the certification course so it would be more realistic and attainable. I could have reduced more debt if I hadn’t traveled and overspent in other areas. But I wouldn’t trade my trips to Beijing, the U.S. and Hong Kong for anything. Bonding with family and friends worked wonders for my soul.
  2. Become a certified teacher in Florida through an online program. ALMOST DONE! Here’s the aforementioned .5. From January to mid-June, I managed to complete all of the lessons, pass three Florida Teaching Certification Exams (on the first try!) and turn in all of the paperwork to complete the TeacherReady program. What a relief! The Florida Department of Education has to evaluate my certification application to finish the process. I’ll be certified by the fall, God-willing.
  3. Pay cash only for all certification costs. DONE! Each lesson cost $600. Thank goodness I could pay I as I went, so each month I sent home cash. Some months, I finished a lesson before I sent home money, so I used a credit card and paid off the balance in full each month. No long-term debt was accumulated to get this certification.
  4. Pay off Barclay balance transfer card by June 30. I’ll miss this goal by 2 weeks. Paying off the teacher certification course and traveling took priority over paying off the balance transfer card. It’s not a big deal considering that the card won’t charge interest until December. As soon I get my paycheck on July 10, I will be sending money home to pay this bad boy in full ($1,670).
  5. Climb the Great Wall of China. DONE! I honestly think just putting this goal out in the universe help it manifest. While a friend was styling my hair, she mentioned that she was going to Beijing to sell her candles at a new business expo. My ears perked up. She hadn’t gone to the Great Wall either. My wheels started turning. In less than a few weeks, I was on the plane with two friends and we were doing the Electric Slide on the Great Wall on Easter Sunday. EPIC! One of the best weekends of my life!
  6. Create passive income stream(s). The second half of 2018 will be dedicated to this goal. I’m a knowledge whore. I read, read, research and read some more, but I have yet to really plan and act. Having multiple streams of income is paramount to getting out of debt quicker, pursuing financial freedom and giving myself the opportunity to work and travel at will—not out of necessity.

AND THERE’S MORE!

2018 mid-year reflections Wise Woman Wallet_2

Find out what else happened.

How to Form Rich Habits in 30 Days or Less

*This post contains affiliate links. That means I receive a small commission that could help me on my debt-free journey —at no extra cost to you—if you make a purchase using the links.

“Most people don’t struggle with money. They struggle with habits.”— Anthony Coleman, Financial Lituation

Let that marinate. “Most people don’t struggle with money. They struggle with habits.” What we do day in and day out weighs heavily on our lives a year from now, five years from now and so on. If we want to be financially independent, then we have to create good, daily habits that support that goal.

Tom Corley studied the habits of the rich and poor for five years. That’s when he realized that the majority of the rich share certain habits. The poor have their own mindset and habits, too. Corley’s book, Rich Habits: The Daily Success Habits of Wealthy Individuals, outlines 21 wealthy habits anyone could follow to help them attract money.

“Our habits, good or bad, determine the financial circumstances of our lives.” — Tom Corley

Here’s the thing. We don’t have to reinvent the wheel. If you want to be rich, then do what the rich do.

6 Rich Habits You Could Form in 30 Days or Less

Here are a few Rich Habits you could form in under three weeks, Corley says.

  1. Do aerobic exercise 15-20 minutes a day for at least 18 days. This promotes brain and body health. 76% of the wealthy exercise aerobically 4 days a week, according to Corley’s research. 23% of the poor do this.
  2. Eat healthy every day for at least 18 days. This promotes brain and body health. 70% of the wealthy eat less than 300 junk food calories per day. 97% of poor people eat more than 300 junk food calories per day.
  3. Read to learn 15-20 minutes a day for at least 18 days. This a personal and professional growth activity. 88% of wealthy people read 30 minutes or more each day for education or career reasons vs. 2% of poor people.
  4. Listen to audiobooks or podcasts during your commute or some other time during the day for self- or career development. 63% of wealthy do this. 55 of the poor.
  5. Write a to-do list every day to keep you focused on accomplishing your goals—big or small. 81% of wealthy maintain a to-do list vs. 19% of the poor.
  6. Limit television time to less than 1 hour per day. Yep! A whole hour! 67% of wealthy maintain skip TV vs. 23% of the poor. Guess who watches the most reality TV! 6% of wealthy watch reality TV vs. 78% of the poor. Wow!

Forming these habits could take 18 days or fewer! Not bad, right?! Brian Tracy considers these habits to be of medium complexity (can be formed in 14-21 days). If you get these habits down, then you could build discipline and form more habits based on the ones you’ve already mastered.

Click here read more and get your free worksheets.