Easiest Rich Habits


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According to one of the most comprehensive habit studies conducted by habit researcher Phillipa Lally of University College London, it can take anywhere from 18 – 254 days to forge one habit, depending on the complexity of the habit.

In my Rich Habits Study, in which I studied the daily habits of self-made millionaires, I identified certain habits that are the easiest to forge:

Automate Savings

This habit is among the easiest to automate because all it requires is one decision – setting up an automated savings program. Once you specify how much you will save every paycheck, the savings is automatically directed into a separate savings account. This forces you to live below your means, meaning to survive financially living off the remaining net pay check.

Living Below Your Means

This is another habit that only requires one smart decision. Since a home is the most significant cost for most people, living in a modest home, in a modest neighborhood reduces your rent or mortgage payment, real estate taxes, utility costs, home maintenance costs and home repair costs. Like a domino, this one habit reduces many other related costs.

Daily Self-Improvement

Daily self-improvement is one of the most powerful Rich Habits. It helps you grow your knowledge-base and your skill set. Just 20-30 minutes a day of daily self-improvement sets you apart from the competition.

Eating Healthy

Eating right helps reduce weight, improve your cardiovascular system and introduces healthy bacteria (microbiota) into your gut, boosting your immune system. All this habit requires is one or two healthy meals a day.


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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. Caitlin Rafaelidys says:

    Thank you for all the work you do. It has influenced me tremendously. I grew up with many of these habits and have set a wealth building timeline for my family. I really appreciate the work you do and wish more Americans would adopt these habits and allow their families to flourish!

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