Over the past 3 plus years I’ve shared my Rich Habits research with tens of millions of people around the world, thanks to the media, podcasts and blogs. In these interviews I am always asked the same question: “What’s the #1 factor in becoming a millionaire?”

My answer is always the same: “Your daily habits are why you are rich, poor or stuck in the middle-class.”

It’s the little things you do day in and day out. It’s never any massive, explosive eureka-type event or activity that, like Cinderella, magically transforms you into a self-made millionaire. While this is not what most want to hear, I think it’s actually good news for those struggling in life financially. You see, because success is about doing certain little things every day, that means the difference between being rich and poor is incremental. It’s about making little changes in your life, not massive ones. Success doesn’t require that you climb Mount Everest, or invent the next Facebook, get a PhD or take some enormous risk, putting it all on the line in the pursuit of wealth. It requires small changes that, on a daily basis, seem inconsequential. But those inconsequential daily activities build up over time and eventually create an avalanche of success. There are only a few daily habits that separate the rich from the poor. Most people simply don’t understand that there is a real simplicity to success if you pursue it every day.

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One of the many common threads I found in my study of self-made millionaires is the habit of taking calculated risks. Risk is often associated with some financial investment. But taking financial risk is only one type of risk. There is another very important risk that self-made millionaires take more often than financial risk. It is decision risk. Decision risk involves making decisions that often have consequences which affect your business or investment. Decision risk is overshadowed by financial risk because it is a less glamorous cousin in the risk family. But this risk is actually what makes or breaks self-made millionaires. And these millionaires very much understand that decision risk is far more important than financial risk. One bad decision could set them back.

Interestingly, however, despite the import of decision risk, self-made millionaires make decisions very quickly, once they’ve weighed all of the options. They don’t sit and ponder. They subscribe to something I’ve come to call the “50% Rule”. With any decision, there will be variables you cannot possibly control. These variables could positively or negatively impact your business or investment. Millionaires take the view that 50% of the time, no matter how much a decision is evaluated, they will be right or wrong about a decision. When they are right, the pay off is significant. If they wait on a decision, it doesn’t change the fact that 50% of the time they will be wrong. Armed with that knowledge, self-made millionaires act quickly and decide. Their confidence in their decision-making and their ability to  recover from a bad decision, drives them to act quickly. Self-made millionaires understand there are things they can control and can’t control. Quick decision-making is something they can control.

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Every human being is born with a gene that is responsible for space flight, computer technology, the Mona Lisa, the Eiffel Tower, the Beatles, the iPhone, the cures for small pox and polio and every amazing scientific achievement. It’s the gene for creativity. We all have been blessed with this amazing creativity gene. It’s inherent in our DNA.

When “turned on” through use, it grows stronger, just like a muscle. Putting this creativity gene to use causes a rise in serotonin and dopamine levels, also known as the happiness neurotransmitters. When we engage in creative pursuits, our levels of these happiness neurotransmitters rises, causing the sensation we have come to call happiness.

Many people, however, never turn their happiness gene on. As a result, these same individuals live lives of quiet desperation, as Henry David Thoreau aptly put it so many years ago. When you make a habit of avoiding the use of our most powerful gene, you put yourself in a box. A box that separates you from living a happy life.

We are all hardwired to create. It’s in our DNA. We are rewarded for utilizing our creativity gene with happiness. But the only way to turn this gene on is to engage in creative activities on a daily basis. You need to make creativity a daily habit. The more you pursue creative activities the more powerful this gene becomes and the happier you will be. If you want to get happy, create. It’s what humans were genetically intended to do.

Hardly anyone thinks about their legacy – the impact of the life they leave behind. The only time most consider someone’s legacy is when they write or read an obituary. In May of 2000, I read an obituary about a friend’s father that left me in awe of the man. There were numerous non-profit organizations he devoted time and money to. The obituary also listed all of his successes. I remember thinking: How could one person do so much in one life? Then, I began to write my obituary. I did not like how it read. I decided to re-write my own obituary, this time with numerous fictitious achievements: self-made millionaire, famous author, dedicated to helping others better their lives, amazing husband and father… My obituary, written, in May of 2000, went on for 3 pages. What’s incredible about that obituary is that, for some reason, I decided to insert “famous author”. I had never before published a book. I was a CPA, perhaps the opposite thing to an author there can be. Yet, there it was, in my fictitious obituary. That obituary planted a seed in my mind that began to grow slowly over time. It took me eight years to write my first book, which went on to become a bestseller. I’ve since written four other books and I am never going to stop. I also helped organize and grow three non-profits over the past seven years.

My obituary is still being written. It is evolving right before my very eyes. And it all began to change because I decided to write a fictitious obituary so many years ago. Despite our incredible advances in technology and science, we still do not yet fully understand the powers of the mind. My make believe obituary set in motion forces within my mind that I still do not fully comprehend.

If you are struggling in life, as I was so many years ago, I suggest you write two obituaries. The first one should depict your current life – what would your obituary say if you died tomorrow? Will it tell the tale of an amazing legacy? Does it depress you? Let your real-life obituary swim in your mind for a few days. Then, re-write it. This time paint a picture with words of a life so incredible that it leaves you in awe of yourself. Somewhere in your make believe obituary, a seed will be planted. That seed will grow inside your mind. In time, your mind, through intuition, will begin to nudge you, direct you, onto certain paths. Paths, you never imagined you would walk. Your made believe obituary will unknowingly act like a GPS, directing you in creating a legacy that will leave you awe of the person you have become.

It’s no coincidence that self-made millionaires have made it a habit to be open-minded. Being open-minded is a prerequisite for success. The embrace of new ideas, new information and new knowledge requires an open mind. You simply cannot learn and grow as an individual if your mind is closed to the ideas of others. Yet most people are closed-minded, embracing certain ideologies and limiting beliefs that make it virtually impossible for them to grow as individuals. Being closed-minded limits your opportunities in life and stunts your growth, consigning you to a fate of mediocrity, poverty or failure. Being open-minded clears the path for unlimited opportunity and growth.

Question everything you believe in. Embrace new ideas, even if they initially challenge your sensibilities. Don’t ever close your mind to the ideas of others, no matter how outside your comfort zone those ideas may make you feel. Open-mindedness is not inherent. It’s a habit that you must consciously forge in life. Those who are open-minded, grow. Those who aren’t open-minded, don’t grow. Success is the by-product of growth.

Most of our genes are made up of DNA. DNA = the self-replicating material (phosphates and sugars) present in nearly all living organisms. They are the main constituent of chromosomes. Inside the nucleus of each human cell is our DNA. This DNA is the same in every cell. DNA is the carrier of each person’s genetic information.

On June 26, 2000, Craig Venter and Francis Collins announced the completion of the mapping and sequencing of the entire human genome. Incredibly, Venter and Collins found that 97% of our DNA is switched “off”.  It came to be known as “Junk DNA”. Only 3% of each human being’s DNA is switched “on”. We sill do not know what the purpose of this Junk DNA is for. What powers do human beings have that lie dormant because those powers are switched off by our DNA?

Recent advances in Neuroscience, the study of the brain, are beginning to give us some clues as to the purpose of this Junk DNA. Incredible as it may seem, neuroscientists and geneticists are discovering that our very thoughts have the capacity to turn on certain genes; to make them active. Negative, worry thoughts turn on certain genes that suppress the immune system, leading to cancer, heart disease, obesity and many other ailments and diseases. Uplifting thoughts turn on certain genes that boost the immune system, increase neural activity (brain activity) and cause the suppression of the many diseases that plague humanity. New breakthroughs in neurology and genetics are leading to the conclusion that when we change our thoughts, we change your health and our DNA. The secret to turning on the hidden powers to each human being, to activating this 97% Junk DNA, may very well reside in how we think.

We now know that positive thoughts alter our DNA positively and negative thoughts alter our DNA negatively. Changing the way we think, from negative to positive, causes instantaneous human evolution. Positive thoughts may very well be the key to turning on our Junk DNA and unlocking the dormant powers that reside in each one of us.