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When I was at the rock bottom of my financial life, I read a book titled “Think and Grow Rich”.

I was thinking to myself, “can anyone really think and grow rich?”.

That’s when I got on this journey of studying the most successful people, and their habits.

Habits either make us or break us.

If you’re someone who’s struggling to make ends meet, there’s a high chance that you’re in this situation because of the way you think about money subconsciously.

A lot of people in poverty are desperate for money externally, but actually have a negative relationship with money internally – with limiting beliefs about themselves and how much they are supposed to have in life.

After studying deeply about living the abundant life from books like “Think and Grow Rich” and the “The Richest Man In Babylon” and many other titles, it all boils down to these 11 principles.

These are the common denominators to 99% of the world’s highly successful millionaires.

1. Pay Yourself First

pay yourself

The broke pay their bills first, but the rich pay themselves first.

What does this mean?

It simply means that to become rich, you’ve got to value yourself first and incorporate a discipline of keeping aside money for yourself, which is not to be touched for any reason.

When you have this kind of relationship with ‘money’, then ‘money’ will value you.

When this becomes a habit, then you’ll be surprised how much money you can actually make, and pay off all your ‘so-called’ debts.

2. Invest Slowly & Regularly

invest slowlyRome was not built in a day. It was built every day, brick by brick.

The true millionaires and billionaires of this world are not the ones overpowered by greed. They just happen to have the habit of growing their assets just like building Rome.

We’ve heard the phrase, slow and steady wins the race.

That’s how millionaires also treat their money.

Investing in Gold, Land and other businesses is how millionaires multiply their wealth.

3. Save & Invest


Once step 2 becomes practice, that’s when you’ll have the surplus to start investing.

When I read the book “Rich Dad Poor Dad” many years back, I realized the difference between an asset and a liability.

An asset is something which puts money in your pocket.

Whereas a liability is something which takes money away from your pocket.

Investing is something which you do to increase your assets.

Almost all millionaires have grown their wealth by investing their money in an asset.

4. Read Everyday

read daily

Did you know that Warren Buffet spends 80% of his day reading? He covers at least 500 pages a day, and this is normal for him.

Self-made millionaire Steve Siebold interviewed 1,200 of the world’s wealthiest people to find out what traits they shared. One trait nearly all of them had in common? They read everything from self-improvement books to autobiographies.

What goes in comes out.

When you read personal development books and consume content which is geared towards growing yourself, it’s the law of the universe to reciprocate.

Readers are leaders. Period.

5. Save Instead of Spend (Needs vs Wants)


It’s very easy to walk into a mall, look at your favorite iPhone, swipe your credit card and pick it up, without having a thought of how you’re going to pay for it.

The world’s top millionaires operate differently. They are usually the ones who are extremely careful when it comes to spending their money.

Millionaires clearly distinguish between needs & wants.

One principle I learned from Brian Tracy about spending money is to stagger the spend for a week, and still, if you feel you need it, only then you go ahead and buy it.

Yes, millionaires can be impulsive at times on their lavish lifestyle choices, but the deep core of their thoughts are that they would spend only if they knew they had the bandwidth.

The poor usually don’t have the discipline to save.

The middle class saves to just save.

The rich save to invest.

That’s the difference.

6. Have A Spending Plan

spending plan

So what does one really need in life?

Food, shelter, clothing & entertainment. Beyond this there nothing else.

The poor and middle class usually do not have a clear spending plan like the millionaires.

Start by creating monthly budgets, and go to every detail that to you so that you do not overspend in any specific area.

There are apps like You Needs A Budget which has a great community that will help you live within your budgets.

7. Build Wealth, Not Status


Status is the by-product of creating wealth, not the opposite.

Usually, those who chase after status are the ones who are broke, coz they are the ones who will walk into stores and buy the most expensive stuff to show that they’re rich to society.

But the real millionaires are those who first create wealth.


They then invest and then when their investments produce passive income, then they buy symbols of status.

Like I said, status is usually the by-product of building wealth.

8. Focus On The Future


Knowledge is potential power. And millionaires usually have a keen eye on the future and where the world is going.

When you have a pulse on where the world is going, it becomes easier to position yourself on the winning side, as compared to being completely oblivious to what’s coming.

The Future doesn’t always have to relate to technology.

It can also mean long-term thinking on making both personal and professional decisions.

9. Eat Healthy & Exercise Daily


We all have 24hrs a day, but it’s how we use it that matters the most.

Usually, the start of the day sets the tone for the whole day.

And from my research was done, most millionaires have a strong morning routine.

When you start your day with a brisk exercise or workout, it releases hormones which boost your creativity and action taking abilities.

Daily exercise and eating healthy makes your mind and body optimal for executing productive work.

10. Give To Charity


The principle all millionaires realize early on is that ‘money’ is a form of energy, and in order to receive more energy, you’ll have to give it first.

This is a flow of energy.

When you give in charity, the energy circulates and brings you more.

The more your attached to money, the lesser it circulates and it goes the opposite way.

Real charity is all about giving without any want.

It’s about having the pure intention to just help others who are in need.

11. Avoid Bad Debt


The most basic principle to make your millions is ‘spend lesser than you earn’.

When you start to spend more than you earn, that’s when you start moving into the bad debt zone.

There’s good debt and bad debt.

Good debt is something which helps you grow further. Example: “Taking debt to buy a house which put in a monthly cash flow into your account”.

But bad debt is something which will cripple you. Example: “Buying a car or a house which is beyond your means – of current cash flow – and which does not put money into your pocket.

This also had to do with sense control.

Millionaires are millionaires because they have the power control their senses when it comes to making money decisions.

But the poor are those who are impulsive and emotional on subjects of money. And it’s this which gets them into poverty.

Conclusion – Final Thoughts


Your thoughts become things.

Your environment influences you more than your will power.

So be careful whom you listen to and associate with.

In order to become a millionaire, you’ve got to first change your money blueprint at a subconscious level.

By making these 11 tips into habits, you will automatically go into the fast track of creating wealth on-demand.

T Harv Eker’s 11 Principles

t harv eker

I got into the internet marketing space because it gives me the flexibility to create wealth and life the lifestyle I want.

The internet gives you the power to live a life of freedom and purpose.

Here’s a 3 step system which has created over 13 millionaires in the last 4 years.

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Want to feel like NEO from the Matrix? There’s a trick to compressing time and bending reality. It’s called the “700 Principle”. Listen to this and you’ll understand what I’m saying.

compress time

This “700 principle” can have a tremendous impact in your life and business too.

MindNotes – Key Highlights

The 700 Principle

Make Your First $500 Online

Want to start a business online and live the laptop lifestyle?
I accept only a few students per month. I will work with you 121 to get results.

Background Music:

Music By: Unison
Song: Reality
Licensed under a Creative Commons License.

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Bruce Lee is one of the legendary martial artists who said, “I fear not the man who’s practiced 10000 kicks. I fear the man who’s practiced one kick 10000 times.”

business & martial arts

This principle of “focus” can have a tremendous impact in your life and business too.

MindNotes – Key Highlights

business & martial arts

Apply To Join My Private Mastermind

(I accept only a few students per month. I work with them 121 to get results online)

Background Music:

Music By: Aerocity
Song: Cold Wealth Kids
Licensed under a Creative Commons License.

win book

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Apply To Join My Private Mastermind

Entrepreneurship is not for everybody! Period.

If you’ve been contemplating on making that JUMP from employee to entrepreneurship, then listen to this mindnote!

I share 14 core principles which you need to ponder on before making your decision.

This is based on my personal experience and studying some of the world top entrepreneurs.

Listen to this audio, and share your comments below.

Background Music:

Music By: Noxive
Song: Resilience
Licensed under a Creative Commons License.

win book

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Our daily rituals make us or break us. Sometimes it’s good to stop and reflect upon ourselves to see if we are really going on the right track or not.

While I was doing a study on this subject of ‘bad habits’ which rob us of our success, I stumbled across some really cool articles and have crystallized this post with some of those learnings.

1. Using Your Mobile Phone In Bed

Research shows that using your mobile phone in bed could have some serious repercussions on your sleep patterns.

When you look at digital screens, the white and blue light emitted are actually stopping your brain from releasing this hormone called ‘melatonin’.

By not releasing this hormone, it becomes all the more difficult for you to get to sleep. In most cases, you keep tossing around in bed wondering why you’re not able to sleep.

The outcome of such patterns in your daily habits could lead to states of ‘insomnia’ or deprived sleep, which can definitely affect all other areas of your life.

The Solution: Get your phone in do not disturb mode and preferably keep it away from your bedroom. Read a book, relax your mind and then get to sleep.

Try this our for a few days and you’ll notice a considerable difference in your sleep patterns.

2. Being Pessimistic – Complaining


There was an article I read on Psychpedia on how “complaining can literally kill you”.

Complaining is not going to get you anywhere. And in most part, it’s also going to bring down the energy levels of the people around you.

This has a direct impact on your mental health and can slowly get yours into states of depression.

The Solution: Start maintaining a gratitude journal, where you write all that you’re grateful for. When you have more to be thankful for, then there no room for the negativities to float up.

The mind is always flickering. The next time you get into a state of ‘complaining’ think about whether it’s really going to change things or not. If NOT, then it’s no point proceeding further.

Exercising tolerance, patience and shifting your mind to more positive states can drastically improve the quality of your life.

3. Living A Messy Life – Unorganized

messy life

Do you work on a cluttered desk? When the answer to this one question will tell you whether you’re an organized or a disorganized person by nature.

Did you know that by not having your life organized, you are actually stunting your productivity by a large extent and limiting your true working potential?

Being messy also is a time gobbler, where you have to constantly keep looking for stuff which you can never find.

The same extends to even your digital space. How organized is your desktop and folders in your system?

The Solution: To start organizing your life, start by doing one thing at a time. Make a list of areas which you need to de-clutter and dedicate an hour a day just for cleaning junk – both physical and digital junk.

When I shifted my home recently, I literally gave away more than 70% of my stuff. I realized that many of those things were just occupying space and not necessarily useful.

Ever since I started to live a more minimalistic and productive lifestyle, I could see a gigantic leap in my personal productivity and focus at work.

4. Eating – Even When Not Hungry

bingingSnacking on chips, binging on ice creams or constantly keeping your mouth and tongue occupied is one of the worst habits to have.

It not only affects your health but also has a long-term impact on self-confidence.

When you’re not in sync with your body hunger, then you’re actually overeating. This obviously leads to an increase in weight and all other related issues such as diabetes, heart disease and more.

The Solution: Have fixed routines on when you plan to have your breakfast, lunch, and dinner and make sure you’re always eating for the right reason.

By now you would already have an internal thermostat and a conscious mechanism telling you whether you’re overeating or eating right. Always follow what your conscience says when it comes to eating.

When you eat, focus on eating. Relish every morsel. Do not eat in a distracted state of mind – looking at your mobile phone, or driving in a car or staring at your computer screen.

When you focus on eating right, it starts to work on all areas of your life, since health is true wealth.

5. Multi-tasking

multi taking

If you chase two rabbits, you aren’t going to catch any. That’s how the mind is wired. Our brains aren’t designed to complete two tasks at the same time.

As much as you may feel proud that you’re a multi-tasker, studies show that it actually reduces your IQ levels.

The solution: Start working in focused blocks of time. Ideally 2hour slots. Did you know that when you get distracted from a focused activity, it usually takes around 20mins for you to get back into the same flow in which you were in when you started?

Start with your first task on hand and complete it fully before you move on to the next.

6. Not Having A Savings Goal/Strategy

no savingsMaking money is one thing, but having the ability to keep money is something else totally. One the habits which a lot of people neglect is “keeping away some money” which could either fall under the savings fund or an emergency fund.

Knowing that you have some money stashed away which you can fall back on is one of the most powerful personal confidence builders one can have, as compared to living from paycheck to paycheck.

The solution: Set aside a small percentage of all that you earn into an account where you never touch. In fact look up on google for T Harv Ekers ‘6 Jar Principle’ and you’ll have a good idea on how to allocate your earning in the right way.

7. Smoking

smokingWell… this comes right on the top of the list of bad habits. If you’re someone who’s addicted to cigarettes, then you’ve got to start thinking about ways you can quit.

Life is all about making powerful decisions. If you truly value your life, and the people who are close to you, then make that decision TODAY and put an end to smoking.

It’s going to be hard, and I used to smoke a pack a day myself. It was in one moments’ decision that I said to myself “I’m done!” and I have never gone back. It’s now been 11 years, and I’m still clean.

The solution: Make a decision to quit and stick to it. It will show your will power. Change your circle of friends or move to a different city. This change in environment can also help you quit smoking easily.

8. Always Giving Excuses

giving excusesThis is one habit which I hate. This is one of the biggest reasons why people end up settling for less and not move forward in their life.

I can quickly sense whether a person is having an ‘exusitis syndrome’ or not but just hearing how they speak.

The reason why we give excuses for things is due to fear or not having a strong reason WHY you have to do that particular activity.

The solution: Set realistic and simple goals to start work. Don’t be too hard on yourself but let life unfold itself one step at a time. If you ever fail, embrace it, look at the lessons in that situation and move on.

9. Getting Yourself Into Debt

getting into debt

Borrowing money without knowing how to repay it can be like a disease. Money concerns actually cause high blood pressure, ulcers, and digestive problems – leading to depression too.

It’s ok to sometimes have a reality check on what you’re really spending on. Just look up on Google for ‘Rich Dad’s Personal Financial Statement Excel” and you can download a really good format on how to have a check on your financial situation.

The solution: If you’re not able to afford something, it’s fine. Work towards a way you can create that cash flow, but never borrow without having the plan to repay.

Read the book ‘Rich Dad Poor Dad’ by Robert Kiyosaki to improve your Financial literacy levels.

10. Gossiping

gossipWe are all social animals and sometimes the whole aspect of what’s going on in another person’s life intrigues us, where we want to know more and dig deeper.

As long as it’s positive fun it’s cool, but there’s a thin line.

There’s a beautiful quote by Eleanor Roosevelt
which says, “Great minds discuss ideas; average minds discuss events; small minds discuss people.”

The solution: You have the power to you to make a conscious decision on whether you want to dwell further on a gossip situation or not.

Stay away from television and other soap operas, as those types of entertainment really give rise to gossip in our own lives.

Final Thoughts – Hijack Your Brain

hi jack

By writing and penning down the above 10 nasty habits, I know that I would be making some small progress myself from staying away from them.

If this post inspired you and if you found value in this, I suggest you please share this and inspire another person who may be waiting to read this.

Here’s a video of one of my mentors (who’s done over $200 million in online sales). I’m always amazed by how he’s able to live a life that’s super productive & and purposeful. Watch this video.


Over to you… Any other bad habits that I left out?

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