Choice, Not Chance, Determines Your Financial Fate


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The definition of fate is:

The development of events outside a person’s control, regarded as predetermined by a supernatural power.

One of the bad thinking habits of people stuck in a financial rut, is believing in fate. It is a very convenient way to rationalize your current financial circumstances.

Fate is often a crutch, that those struggling financially, lean on. Like a blanket, they wrap it around themselves. This way they are no longer responsible for the financial circumstances of their lives – their poor circumstances are outside their control due to fate.

Those who believe fate controls their financial destiny use code words, phrases or aphorisms to escape the financial responsibility for their lives:

  • “I’m not a member of the lucky sperm club.”
  • “It’s God’s will.”
  • “They’re just lucky.”
  • “I’m not lucky.”
  • “The fickle finger of fate.”
  • “My fate is sealed.”
  • “A twist of fate.”
  • “Predestination.”
  • “It’s because I’m not a man.”
  • “It’s just divine will.”
  • “Life’s wheel of fortune.”
  • “That’s just my lot in life.”
  • “Divine providence.”
  • “It’s God’s plan.”
  • “God loves poor people – that’s why he created so many of them.”

These commonly used words, phrases and aphorisms bleed into your subconscious, programming you to relinquish control over your life to fate.

The fact is, most people who become wildly rich and successful come from poverty or the middle-class. According to the 2016 Wealth-X report, 75% of the rich were poor (19%) or middle-class (56%). In my Rich Habits study, 76% came from poverty (31%) or the middle-class (45%).

How did they break free from poverty or the middle-class? Well, it wasn’t fate:

  • They pursued dreams.
  • They set, pursued and achieved goals.
  • They worked long hours for many years.
  • They were persistence – they never quit on themselves.
  • They were focused like a laser on their dreams and goals.
  • They forged good daily habits that helped move them forward in life towards realizing their dreams and goals.
  • They eliminated any bad daily habits that were holding them back in life.
  • They were obsessed with growth through daily self-improvement: they read books to gain specific knowledge, they practiced every day to improve their skills, they developed valuable new skills, they sought out mentors, they went to night school, etc.
  • They took big risks, others were unwilling to take.
  • They built valuable relationships with other successful people.

Don’t allow yourself to be programmed by society, politicians or family members into believing fate determines your financial circumstances in life. It doesn’t. Accepting “your fate” is just a rationalization to do nothing. Choice, not chance, determines your financial fate.

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Thomas C. Corley About Thomas C. Corley

Tom Corley is a bestselling author, speaker, and media contributor for Business Insider, CNBC and a few other national media outlets.

His Rich Habits research has been read, viewed or heard by over 50 million people in 25 countries around the world.

Besides being an author, Tom is also a CPA, CFP, holds a master’s degree in taxation and is President of Cerefice and Company, a CPA firm in New Jersey.
Phone Number: 732-382-3800 Ext. 103.
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  1. Brandon Miller says:

    Your title has a typo? I think you meant, “Choice, not chance” instead of “change.” Otherwise, great article! I love your stuff!

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