These 21 habits will help you become the person that you've always desired to be.

We are creatures of habit. Most of our life is governed by unconscious patterns of thinking, feeling, and behaving.

According to research conducted at Stanford University, a human being has approximately 60,000 thoughts per day. Here's the shocking part… 90% of these thoughts are repetitive. If your repetitive thoughts are negative, you'll have a rough day.

I want to help you overcome disempowering habits and take back control of your life.

Are you ready to create the habits of the most successful people in this world? Read this!

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How are habits formed?

Neuroscientists have traced our habit-making behaviors to a part of the brain called the basal ganglia, which plays a key role in the development of emotions, memories, and pattern recognition. Everyone's brain circuitry is different.

When you repeat a habit or behavior, neural pathways are formed in your brain. The more that you do something, the more that those neural pathways get reinforced and habits become automatic. Most of us are living our lives on autopilot.

If you had to focus on and be aware of everything in your life, you would be overwhelmed. I'm going to guess that you don't focus on the fact that your heart beats one hundred thousand times per day? Or that blood is constantly rushing into your ears?

Your brain filters out distracting thoughts so that you are not overloaded with too much information. Think of your brain as if it were a computer that has an operating system. Inside of that operating system are software and apps, and some of which may be outdated or disempowering.

Here's the great news… YOU have the power to cultivate empowering ways of thinking and behaving. Once you start practicing these new habits, eventually they will become automatic.

How Long Does It Take To Build New Habits? 

Your prefrontal cortex is the part of your brain that contributes to your discipline and willpower. For some people, it's easier to develop a new habit (less than two weeks), while for others it takes longer (30-90 days).

The same thing is true with breaking bad habits and addictions. Think about it… if you have an addiction to something and it's a behavior that you've engaged in for many years, neural pathways inside of your brain will be very strong.

When you try to stop destructive behaviors and cultivate more empowering behaviors, the neural wiring is still present. It's been set up in such a way that when you engage in a behavioral pattern, you receive a source of pleasure.

Kind of like a ‘familiar' friend who has always been there. However, deep down inside you know that he or she is not good for your life in the long term. The less that you indulge in destructive habits, the weaker those neural pathways will be in your brain.

Over time, you'll become less impulsive, have more self-control, and your cravings will go away.

Keep in mind that it will probably take 30-90 days for you to develop empowering habits.

You need to train your brain to create a new neural pathway.

On that note, I want to share 21 habits for your health, wealth, & happiness. These habits have personally enriched and empowered my life. Let's dive in!

1. Wake Up At The Same Time Every Morning

It's important for your mind/body to have consistency. When you disrupt your sleeping patterns, it can take a toll on your cognitive and mental health. If you want to test your sleep I highly recommend getting the Oura Ring.

It measures your sleep, activity, heart rate variability, and body temperature. It will even give you indicators on how you will perform for the day based on the measurements that it does for your body.

When you wake up is very important for your circadian rhythm. Pick a time when you want to wake up every day and stick with it. Typically, I like to wake up when the sun rises. Usually, around 6 am. I use a device called the Human Charger that emits blue light through ear pods. It helps with energy production and helps reset your circadian rhythm.

2. Practice Gratitude 

If you're not already grateful for what you have, what is the point in attracting more? I always start my day with a grateful heart. I take out a journal and write down 10 things that I'm grateful for. More importantly, I reflect upon what those things mean to my life.

The more that you focus on gratitude, the more rich that your life will be. When I used to do one-on-one coaching a lot of my clients had programmed the habit of focusing on what was not working well in their life. I would ask them to email me 3 things that they were grateful for each morning and evening.

We must learn how to appreciate the small things in life. In the end, the small things become the big things. The happiest people find joy in the simplest of pleasures. Make it a priority to lose yourself in the magnificence of life. There is so much to be grateful for.

3. Cultivate Self-Awareness and Reflection 

Self-awareness is the most important life skill. You can't change anything that you're not aware of. I am hyper-aware of anything that prevents me from being my best. I like to think and analyze why I behave and feel the way that I do.

Every morning I journal my thoughts. Through that process, I get altitude on my life. Also, I like to talk to myself. It's a way for me to collect my thoughts and release what no longer serves me.

In the words of Jim Rohn, “A life worth living is worth recording.” The more awareness that you can bring to different aspects of your life, the more likely you will be able to identify stuck points that need changing.

4. Be Positive and Optimistic 

If you follow me you know that I'm a positive person. A lot of tragedies will take place in your lifetime. It's a reality that everyone has to face. People you love will die. You will die. Life is fleeting which is why we need to enjoy every moment while we are here.

Unfortunately, we are inundated with a lot of negativity on social media and the news. The news is not designed to inform you. Rather, it's designed to startle you. They are a business so they want to get your views.

They do this by inducing fear inside of you. People pay attention to fear to ensure their survival.

At the same time, there's a lot of joy and beauty in the world. People are achieving great things, babies are being born, people are falling in love and getting married. The list goes on and on!

What you feel is going to be based on what you focus on. If you focus on the positive, you'll attract more good things into your life. I believe that you can find the good in every situation, even the direst circumstances.

In his book Learned Optimism, Martin Seligman demonstrates how optimism enhances the quality of life. He talks about the difference between pessimists and optimists.

Pessimistic people tend to be more accurate about things, but they're also unhappy and less successful in life. On the other hand, optimists tend to be less accurate in how they see things but they are happier and more successful. It's important to be accurate obviously, but also see the good side of life!

5. Plan Your Day/Week/Life 

A lot of happiness and joy comes from living in the present moment. However, if you only live in the present moment, you won't plan for your future. It's a balancing act. Thinking ahead allows you to get ahead.

Getting clear on your goals and the vision that you have for your life will give you a sense of direction. If you don't have a plan, you'll fall into someone else's plan. You don't just want to make a living. Rather, you want to design your life. Part of how you do that is through planning.

I like to plan out my week in advance and schedule things inside of my calendar. Every morning I get clear on 3 high-leverage activities that I want to accomplish. I do the best that I can to stick to that plan. However, a plan is not a prison. You can modify and adjust accordingly.

6. Commit to Never-ending Improvement 

The most successful people in the world are obsessed with learning and growing. They believe that change is possible, which fuels their desire to become more.

In today's world, you must counteract the negative information that you consume on the news with positive information, which you can find in courses, books, or podcasts to name a few things.

We all learn differently. Find something that inspires you, go deep with it, and commit to learning something new every day. You can overcome any challenge in life with knowledge. However, it's up to you to get resourceful and take action.

7. Exercise

Moving your body is extremely important for your physical, mental, and emotional well-being. A lot of studies have shown that exercise has more benefits than antidepressants. Many of us live a very sedentary lifestyle.

We are meant to be active throughout the day. As an entrepreneur, I sit a lot. Once I purchased a LifeSpan Treadmill Desk the game changed. When I'm not traveling, I use my desk daily. It has radically shifted my energy levels, improved my mood, and my overall level of productivity.

8. Meditate

In this crazy world where we are overstimulated daily, learning how to calm our minds is a superpower. The more that you are in your head, the more suffering you will experience. Meditation is the antidote to stress and anxiety.

It allows you to develop your pre-frontal cortex which gives you more control over your thoughts. I like to meditate with the Muse headband which tracks the activity in your brain and measures your meditation session. Alternatively, I also like to meditate with the Calm or Headspace apps.

9. Review Your Goals and Vision 

Your vision gives your life direction. You always need something to move towards. If you don't have a compelling future, you'll get lazy. Whenever you're experiencing challenges in life, review your goals and vision.

Doing so allows you to redirect your focus so that you don't lose touch with your why. Maybe this looks like reciting your goals out loud or looking at your vision board. The more you are aware of how you are showing up, the more that you will move in the direction of your dreams.

10. Recite Affirmations

Every day you want to speak out loud about who and what you want to become. Whatever you attach the words, “I AM”, to is what you become. The words you speak have power behind them.

I like to write out the beliefs that I want to cultivate on flashcards and then I express those beliefs using incantations. This means that I use my voice and body to embody the meaning behind the words.

When you do this enough times, you'll start to believe what you're saying and start adopting a more positive outlook. Over time, you will start to embody the person you've always desired to become.

11. Be Disciplined and A Person of Integrity 

Being a person of integrity is doing what you say you're going to do. You want to make sure that you always honor your commitments to the best of your ability. When you don't do what you say you're going to do, you lose confidence and trust in yourself.

You may not feel like doing something, but I promise that you'll be proud of yourself for taking action. Start small. Whatever goal you set, make it attainable. Don't make a commitment that you can't keep.

As you get mentally stronger, you will do more because you will have made it a priority to flex your discipline muscle.

12. Do Health Testing 

I'm a big fan of being proactive with my health. A lot of diseases and sicknesses can be prevented if people do their research and get health testing. Every year I get my blood work checked.

Also, I do the following tests – gut microbiome, stool, micronutrients, bone density, heavy metal, and hormones. The sooner that I know what I am deficient in, the sooner that I can supplement or change my lifestyle to ensure that I am in optimal health.

Yes, there are some expenses to doing testing, but that comes with the upkeep of having a body. Your health is your wealth. Don't take it for granted and do make it a habit of getting tested.

13. Detox and Cleanse

I like to give my body a rest from the lifestyle choices that I make. All of us are under a lot of stress. Your body is working non-stop. Every time that you eat a meal your body has to digest it. This requires a tremendous amount of energy.

Your body is constantly trying to detoxify and eliminate through your bowels and urinary tract. A lot of times your body can't cleanse itself because you're putting in more toxicity than your body can eliminate. A juice fast or a water fast is a great way to give your digestive system a break.

14. Get A High-Quality Sleep 

A lot of people don't get enough sleep. In today's stress-induced world, sleep isn't a necessity. Rather, it's a priority. Sleep research suggests that 7-8 hours is what we need to wake up feeling refreshed. I'm a big proponent of having an evening ritual.

I have a few devices that help me fall asleep, one of which is a chili pad. This is a pad that regulates the temperate of your mattress so that you will never be too hot or too cold, thereby allowing you to have a deeper sleep.

I also like to wear Swannies blue-blocking glasses before I go to bed. These glasses help to block out blue light and help my brain to release melatonin which ensures I get high-quality sleep.

Lastly, I lay on a PEMF mat that produces pulsed electromagnetic fields around my body. This mat programs my body towards deep sleep.

15. Rest and Recover

If you don't take time to rest and recover, you will burn out. Stress is the worst thing for your health and well-being. Have a rest day every week or every month. Or maybe find a time where you can take one to two weeks off with a vacation.

Disconnect from everything. It allows you to get perspective on your life. As an overachiever, I'm always on the go. It's my nature. It is hard for me to take days off. However, over the years I've learned how important it is.

I'm OK with making less money for a specific period if it means that I can get refocused and re-energized. If I don't take care of myself, everyone suffers – myself, my team, my followers, and my business. Rest now leads to more success in the long term.

16. Develop Your Traits or Skills 

You want to cultivate the habit of working on some aspect of yourself that can benefit your career or business.

Each of us has a money-making skill. What is yours? Discover what that is and master it. By cultivating this skill, over time it will help you develop your competence which will give you more confidence.

17. Manage Your Finances

All successful people are good with their money because they focus on it consistently. It's best to start cultivating this habit when you don't have a lot of money because it will benefit you down the road when you have more money.

Also, make sure that you get into the habit of saving money. Put 10% of what you make into a savings account for emergency or use that money to invest in your future or yourself. If you can save more than 10%, amazing.

18. Invest

You need to learn how to be an owner, not just a consumer. Most people only consume products. These are liabilities rather than assets. Conversely, an investor invests in assets that appreciate and grow in value over time.

Make it a priority to invest in yourself, your business, or the stock market every single month. Be proactive about your future and create a financial plan. Make sure that your finances are always growing so that you can comfortably retire.

19. Socialize and Network 

We are social creatures. Socializing does amazing things for our mental and emotional well-being. As humans, we can't survive without it. Lack of connection can lead to things like isolation, depression, and anxiety.

Socializing allows you to sharpen your communication skills. Networking is a very important success skill. It allows you to build rapport with like-minded people who are doing great things in this world.

Having an empowering ecosystem will do wonders for your life. Make it a priority to meet new people you are in alignment with. Also, put yourself in proximity with successful people and learn from them. You are the 5 people you spend the most time with — make your 5 people the best group possible!

20. Give and Contribute

You want to strive to be a go-giver, not a go-getter. The act of giving to others does amazing things for you. Contribution makes you feel more connected to humanity. Moreover, it makes you more compassionate to others' experiences.

When you give selflessly you are training your brain to be abundant. You are caring about someone else, with no expectation of receiving anything in return. The fulfillment that comes from that is indescribable.

In the words of my mentor, Tony Robbins, “It is not what we get. But who we become, what we contribute… that gives meaning to our lives.”

21. Practice Your Faith 

This means different things to different people. Whatever you're fearful of is just your imagination that is undirected. Conversely, faith is your imagination directed. To live a great life requires faith and believing that things will get better.

That is what allows you to get through the hardest of times. I believe that there is a purpose for everything. Whatever you believe in, practice it daily.

There's a lot of things in life that are out of your control. However, if you surrender and trust that the Universe has a bigger plan for you, you'll experience so much more peace in your life.

These are 21 habits for health, wealth & happiness. 

Please don't feel that you have to implement all of these habits into your daily routine. Of the 21 habits that I talked about, what is one habit that you feel can enrich your life?

How often are you going to practice this habit? Daily, weekly or monthly? Focus on cultivating one habit and mastering it. You can build more over time. I challenge you to take action and do a 30-day challenge!

When you change your habits, you change your life. When you change your life, anything is possible.

Want to be coached by me? CLICK HERE to join my monthly LIVE Life Mastery Accelerator coaching program!

Are you ready to create insane wealth and build a life that you never need a vacation from?

Inside this blog, I share how you can become a millionaire in 5-15 years. If you're sitting there thinking, “I wish I didn't have to wait such a long time to get rich” this is your wake-up call.

Building wealth is a long game that requires healthy financial habits. Wealthy people have mastered the long game.

They have a clear understanding of their financial vision. More importantly, they take actionable steps every single day to maximize their chances of fulfilling their long-term goals.

Keep reading to find out my 10 steps for creating wealth, even if you have no money!

Watch the video below:

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This is how to create wealth, even if you're starting from zero.

A lot of people want to know what the magic bullet is for creating wealth fast. Unfortunately, there is no get-rich-quick scheme to becoming ultra-successful. Eighty percent of wealth is based on one's psychology, while only 20 percent is based on mechanics.

This is why I am a believer in developing a millionaire mindset before doing anything else. Wealthy people think and act differently. Cultivating a millionaire mindset is what will help you reach your long-term financial goals.

I recently read an article by CNBC that talked about the net worth that each generation says they need to be considered wealthy in 2021:

• Millennials (aged 24-39) – $1.4 million
• Gen X (aged 40-55) – $1.9 million
• Baby Boomers (56-74) – $2.5 million

When I was 27 years old I became a millionaire. It was an amazing experience to hit that milestone. Honestly, I achieved that goal with some mixed feelings. Once I made one million dollars, I soon realized that it wasn't enough money.

I was been born and raised in Vancouver, Canada which is one of the most expensive places in the world. I can't even buy a 1,500 square foot condo in Vancouver for $1,000,000!

Of course, the amount of money that you need to live comfortably will be based on where in the world you live. Nevertheless, I want to encourage you to think bigger than the net worth figures that you see above.

At the end of the day, it's up to YOU to define what wealth means to you.

How much money do you really need? What financial goal do you want to strive towards? I encourage you to take some time to reflect upon and answer these questions.

Inside this blog, I'm going to share 10 steps for creating wealth that will allow you to become financially free. I've broken down these 10 steps into the following 4 stages.

Stage 1 – Mindset 

The first stage lays the foundation for your success. It encompasses your strategy, habits, psychology, and mindset.

A lot of people try to create wealth by starting a business or by investing. Unfortunately, they forget about the inner game of success. If you believe that you deserve success, naturally you will do whatever it takes to become successful.

However, if you have not yet done the work to reprogram your limiting beliefs, you'll only end up sabotaging your success. It's the inner game that produces the outer results.

Stage 2 – Hustle 

The second stage is all about the hustle. If you want to become wealthy, you will have to take massive action and work harder than you've ever worked in your life. In effect, you'll have to do what most people will not do. If you master stage 1, you'll be fully ready for this stage.

Stage 3 – Investing 

The third stage is all about investing. Once you have money, it's so much easier to make more money. Investing allows you to create large sums of money without a lot of effort.

I am currently in this stage. I don't need to hustle anymore. Typically, I only work 10 hours per week. I make more money investing than I do in my business.

If you're still hustling then you're not learning how to leverage your skills and make your money work for you. Figure out how you can get more results with less effort. The goal is to work smarter, not harder.

Stage 4 – Optimization

This is when you optimize your taxes. The biggest expense you'll ever pay is in taxes. Some people ask me, “Why did you move from Canada to Panama?” One of the main reasons was tax optimization.

By living in Panama I save millions of dollars in taxes. That is what has allowed me to accelerate my net worth. It would have taken me years to do this if I was still living in Canada. Half of my income would have gone towards taxes.

Ten Steps For Creating Wealth 

I want to compel you to take notes as you move through these steps. My outcome isn't merely to give you information. Rather, I want you to implement what it is that I'm going to teach you.

Consuming information and then taking massive action is the recipe for radically transforming your life. These steps aren't easy, but they are simple. Let's dive in!

Step #1 – Create A Vision & Purpose For Creating Wealth

If you don't know the kind of lifestyle that you want to have, you'll never be able to figure out how much money you will need.

In my early 20s, I decided to write out what my ideal day would look like. I used my imagination and shifted into a mindset of possibility. I would recite my vision out loud to myself every day. Doing so made it feel real.

Another great way to make your vision a reality is to create a vision board. When you do either of these exercises make sure that you dream BIG. It will keep you hyper-focused and inspired to build the lifestyle that you desire.

You can take it one step further and do dream building. This is where you go to open houses that are outside of your price range. Browse around and get a feel about what it would be like to live in your desired home. Similarly, you could go to a car dealership and take a Ferrari for a test drive.

Once you know what your vision is you need to get clear on what your purpose is. Why do you want to create wealth? This is the 80% that will lead to your success.

I challenge you to create 100 reasons why you want success.

If you can ingrain those truths into your psyche, you will be successful. Here's what I know to be true… if you have a strong enough ‘WHY', you will continue failing forward.

If you can't find a way, you'll make a way. Metaphorically speaking, you'll go over the wall, through the wall, and around the wall. If you want success badly enough, you'll do anything to achieve it.

Step #2 – Cultivate A Wealth Mindset & Habits

First, if you want to create wealth, there are certain beliefs that you need to reprogram. How you were taught to think about money when you were growing up determines your relationship with money in adulthood.

These are referred to as “money scripts” – your values and beliefs about money that you grew up with that impact your habits today. Oftentimes, people aren't even consciously aware of how these beliefs impact them negatively. 

For example, if your parents taught you that money is bad and that rich people are evil, what are the chances of you becoming a rich person? You won't! As long as you link pain to wealth, you'll never become wealthy.

Instead, if you link pleasure to people who are wealthy, you will be motivated to create wealth. One of the best ways to reprogram your money scripts is to study wealthy people – read their books, go through their courses, and attend their seminars. Find out what they are doing.

Success always leaves clues. I published a video on my YouTube channel where I walk you through my top 10 books for creating financial freedom. I encourage you to take the mindset and strategies of these authors and apply them to your life.

Second, I want to empower you to learn how to delay gratification A lot of people make money, and then they spend it right away. If you can delay gratification, save your money, and invest it into your future, you will create more wealth. You've got to be willing to make short-term sacrifices for long-term gain.

Third, you need to build a strong work ethic. Cultivate the habit of over-delivering.

Be the best at what you do every single day.

Go above and beyond. In the business world, this habit will serve you tremendously when it comes to building a brand and creating raving fans.

Finally, always strive to fail forward. Failure is an inevitable part of doing business.

When things don't work out the way that you expected they would, don't put your head in the sand and give up. Rather, find the opportunities from growth and learn from your mistakes.

The goal is to move from failure to failure without losing your enthusiasm. Ultimately, by failing forward you will become more resilient which will ensure that you never give up.

Step #3 – Know Where You're Starting From

You have to know what your current net worth is. That is the number that matters most. It's not how much money that you make that matters. Rather, it's how much money that you keep. If you're living paycheck to paycheck you will never get ahead in life.

The way that you determine your net worth is by knowing what your assets and liabilities are. Your assets are things like cash in the bank, investments, your online business, or your computer. An example of a liability would be debt.

For example, let's say that you had $5,000 in the bank, but you had $40,000 in student loan debt. If you took your assets and subtracted your liabilities, you would have a $-35,000 net worth. Yes, a student loan debt can be an investment IF it gets you a great job, but at this moment it's a liability.

Tracking your assets and your liabilities every 3 months on a spreadsheet is a great strategy to consistently knowing your net worth. You want to make sure that your net worth goes up every quarter. That's how you measure your progress over time.

Step #4 – Master Money Management

You have to become a master of money. This means that you have to know what your income and expenses are, and you have to track your finances. All wealthy people are great money managers.

The key to creating wealth is to spend less than you earn and invest the difference. From there, you want to re-invest those profits to create even more wealth. If you are spending what you earn, there will be no difference that you can save or invest.

Thus, you'll just keep spinning your wheels and never get ahead financially. If you can't manage the money that you currently have, you won't be able to manage millions of dollars. It's that simple.

Make it a habit of managing your finances. A great way to do this is by tracking your income and your expenses weekly. The reason why I suggest doing this every week is that it allows you to set a budget for yourself. If you overspend in one area of your life, you will be better able to catch yourself and make an adjustment.

Also, you want to make sure that you have 3-6 months' worth of savings of whatever your monthly expenses are. For example, if your experiences are $2,000 per month, you want to have $6,000 saved.

This is your emergency money. If you end up losing your job or have a medical expense that you have to pay for, this money will help you sleep at night. You never want to be in a position where you have zero savings and you have to sell your investments for an emergency.

Step #5 – Set Financial Goals

Your financial goals are the stepping stones that allow you to turn your vision into a reality. You'll have to set many different types of financial goals, whether that's paying off debt, launching your product, or creating a monthly budget.

When you are setting your goals, you want to make sure that they are SMART (Specific, Measurable, Achievable, Relevant, and Time-based). As an example, let's say that you want to publish a Kindle book on Amazon. Here is an example of how you would use the SMART goal criteria to set that goal:

• Specific: I will write a book about how to be more productive and it will be 100 pages long.
• Measurable: I will write one chapter every two weeks.
• Attainable: I will finish the book in 1 month. Once it is completed, I will publish it on Amazon.
• Relevant: Writing a book on productivity will help me grow my coaching business.
• Time-based: I will sell 100 copies of my book in 6 months.

I would suggest setting weekly, monthly, quarterly, and yearly goals where you determine how much money you want to make. Every time that you achieve a goal, you will gain confidence and momentum. Success breeds more success.

Step #6 – Choose Your Vehicle For Creating Wealth

You want to reflect on what your vision is and figure out which vehicle will allow you to create the wealth that you desire. Here is my story about how I ended up choosing my vehicle.

Early on I knew that if I went to university and invested $100,000 into my education, I could end up getting into a lot of debt in my 20s. If I started making $60,000 per year in a job, I knew that it would take me years to pay off my debt.

If I continued to gain experience in a role perhaps I could eventually make $100,00 per year. However, there would be no way to know for sure. As a result, I knew that this path would not lead to the vision that I had for my life.

I realized that the most successful people were entrepreneurs. They took their ideas, turned them into a reality, and profited from their passion.

A lot of people start a business with very little money. However, if they commit to the process, they can end up becoming extremely wealthy in 5-10 years. I started studying these types of people. I read their books, took their courses, attended their events, and listened to their podcasts.

Taking it one step further, I even found ways to add value to successful people so that I could be mentored by them. I started to implement their success habits into my daily life. Within a few years, I had an online business that was making incredible money.

Entrepreneurship was the vehicle that transformed my entire life. Everyone is different. Only you can decide which vehicle is best for you and your life.

Step #7 – Master Your Wealth Vehicle

Once you know what your wealth vehicle is, you need to master it! Who do you need to learn from? Which books do you need to read? What mindsets and habits do you need to cultivate?

Determine how you can immerse yourself in your chosen vehicle within the next year so that you can become a master of your craft. You won't achieve massive success by chasing shiny objects and being a jack-of-all-trades.

Rather, you need to stay focused on one thing and go deep with it. Furthermore, you want to figure out which high-income skill(s) you need to cultivate that will make you rich. For me, this was speaking and coaching. Focus on being great at one or two things and leverage them.

If you decide to build an online business, two of the most important high-income skills that you should master are sales and marketing. They are the lifeblood of every business.

Step #8 – Create Leverage To Scale Your Wealth

When you start a business and you find your high-income skill, that's enough to make you a 6-figure income. However, if you want to create the next level of wealth, the next step is learning how to create leverage and scale your vehicle.

This is where you start working smarter and leverage the power of outsourcing. One of the biggest challenges that entrepreneurs face is that they try to do everything on their own. However, you can't scale your business if you're wearing all of the hats. Time is money.

At a certain point, you've got to know what your time is worth. You want to be spending time on things that produce the most revenue.

Financial success is the result of you working ON your business instead of IN your business. That should always be the end goal. You don't want to be a business operator. Rather, you want to be a business owner.

Step #9 – Invest For Financial Freedom

At this stage, you want to figure out how you can make your money work for you. You should have over $1,000 per month to invest.

There are a variety of different investment vehicles that you can choose from, whether it's real estate, stocks, ETFs, or investing in other businesses.

Pick 1-2 vehicles and go deep with them. For me, that has been investing in stocks and cryptocurrencies. You want to get clear on your investing strategy and not dilute your focus. Most of the top entrepreneurs in the world have moved into this stage.

Step #10 – Optimize Your Wealth

At this stage, you're making a lot of money. Your taxes become the biggest expense that you have. You want to figure out a strategy for how you can pay less. When I started making millions of dollars and paying half of my income in taxes, I decided to give up my Canadian residency.

I moved to Panama, became a digital nomad, and set up an offshore corporation in Singapore. It cost a lot of money to do this, but I knew that it would be worth it. If I did this for a few years I knew that I would save millions of dollars in taxes, and that is exactly what happened.

I invested the money that I saved. As a result, I've built my net worth faster than I ever would have had I stayed in Canada.

Another thing that you're going to focus on at this stage is diversification and allocating your investments. I don't want to have all of my investments in stocks. Rather, I want to branch off and have them in different asset classes, long-term. Always think big picture about how you're going to create the next level of wealth. Decide what amount of money will allow you to live life on your terms.

These are the 10 steps for creating wealth (even if you have no money right now).

I promise you that if you follow the above 10 steps and you go deep with each one of them, there is no limit to how much money you can make. Start the journey of creating financial freedom and building your dream lifestyle today!

Are you ready to create long-term wealth and build a profitable online business? CLICK HERE to take my FREE 60-second quiz to find out which business model is best for you!

How long does it take to become a millionaire?

This is the million-dollar question that everyone wants to know. Popular media loves to promote get-rich-quick stories of success.

Don't get me wrong… they exist. But they are not the norm. For the vast majority of millionaires, success is a long-term game.

As someone who has created a multi-million dollar business, I can attest to this.

Inside this blog, I share with you how to grow your wealth the smart way so that you can get rich AND stay rich.

If you're ready to build a million-dollar mindset, read this…

Watch the video below:

(Click here to watch on YouTube)

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Are you ready to set yourself up for financial freedom? CLICK HERE to take this 60-second quiz to find out which business model is the best for you to start your online business!

This page contains affiliate links. If you purchase a product through one of them, I will receive a commission (at no additional cost to you). I only ever endorse products that I have personally used and benefitted from personally. Thank you for your support!

How long do YOU want it to take to become a millionaire?

At the end of the day, it's up to you. I first started pursuing success in my early 20s. My goal was to become a millionaire by the time I was 30 years old. During that time, I was learning everything that I could about business, marketing, investing, and entrepreneurship.

I knew that I could achieve the level of success that I desired because I was young and I had time on my side. However, I also knew that if I wanted to hit the million-dollar mark, I would have to make a lot of sacrifices and take massive action.

I ended up becoming a millionaire at 27 years old, so I over-achieved on the goal I set for myself. I'm not going to sugarcoat it… the idea of waiting until I was 67 years old to retire and enjoy life terrified me, especially after I read the book The 4-Hour Workweek.

Thus, I was willing to do whatever it took to achieve financial success. I committed to mastering every area of my life and I was consistent in that endeavor for over a decade.

Best-selling author Malcolm Gladwell came up with the idea of the “10,000-hour rule of self-improvement”. This principle states that to become world-class in any field, you need 10,000 hours of deliberate practice.

While this may hold true for some, I believe that people are capable of mastering something a lot faster if they engage in behaviors that fastrack their success. In particular, learning from people's successes and failures. I think this is a smart way of accelerating any process. This is what I do with anything that I want to learn in life.

The Correlation Between Beliefs & Financial Success

Most of our beliefs about money and success develop during childhood. We call these your money scripts – your values and beliefs about money that you grew up with that impact your habits today in ways you might not even be aware of.

For example, if you grew up believing that money was the root of all evil, naturally, you will not easily attract money into your life. You'll link pain to money. The association will be so strong that it will inhibit you from creating financial abundance.

This is why it's so important to understand what your money beliefs are and how these beliefs are holding you back financially. If you have mental software that is outdated, you need to update it so that you possess more empowering belief systems.  

We live in a world where opportunities are abundant. People who struggle to achieve financial success have yet to master their inner game, meaning their mindset. People whose inner game is “off” don't feel confident or in alignment with their truth.

Mastering your mindset starts with awareness and intention. You cannot change until you know what your dysfunctional beliefs are and how they are negatively impacting your life. If you want to become a millionaire, you need to be willing to THINK like a millionaire.

Invest in Yourself and Your Financial Future

I have achieved the success that I have today because I have dedicated my life and work to never-ending learning. If you want to become a millionaire, you must invest in your biggest asset – YOU.

Read books, attend seminars, listen to podcasts, hire coaches and mentors, go through online training programs. The more that you learn, the faster that you will create a millionaire mindset, and the more money that you will earn. 

Entrepreneurship is a risky endeavor, which is why I decided to start investing my money early on in my journey. When I was 18 years old, I read a book called The Wealthy Barber. It sparked my interest in the world of investing and I never looked back.

Today, I like to invest in index funds, otherwise known as ETFs. This is an investment fund that allows you to buy a basket of individual stocks. I'm not taking a big risk by spreading my money out amongst many established companies. I always pay myself first, but I put aside 10% of the money that I make and invest it into ETFs.

If you invest like this when you're young, month after month, you will see the power of compounding. By the time you're 65, you can become a millionaire, simply by making smart investing decisions when you're younger.

How badly do you want to become a millionaire?

If you want it bad enough, you will do whatever it takes to achieve that goal. You determine your success in life. If you are willing to do what others will not, and build wealth as if your life depends on it, there is no question that you will become successful. 

Are you ready to set yourself up for financial freedom? CLICK HERE to take this 60-second quiz to find out which business model is the best for you to start your online business!

How would your life change if you could make more money?

I'm a firm believer that success is a mindset. Before you can build long-term wealth you first have to understand what your relationship with money is.

A big reason why a lot of people struggle to make more money is that they possess a scarcity mindset. This is the belief that there will never be enough of anything.

The most financially successful people in the world operate from a place of abundance. As a result, they become the master of their money.

If you're ready to take control of your finances, keep reading to discover 3 things that you need to master in order to win the game of money!

Watch the video below:

(Click here to watch on YouTube) 

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Do you want to figure out which online business will best help you become financially free? CLICK HERE to get instant access to my FREE business quiz!

What does money mean to you?

Your answer will give you a glimpse into your relationship with money. I view money as a game. If you know the rules, there is no limit to how much you can make. Making money can be an enjoyable process. However, the game of money isn't fun to play if you don't know how to play it.

The goods news is that, just like any game, once you get good at it, you keep winning more and more. The question is, “How do you learn the money game?” Study the mindset, behaviors, and habits of the most financially successful people in the world and put their knowledge into action.

The amazing thing about the Internet is that it has made it easy for anyone to make passive income online. There are endless ways that you can earn money from the comfort of your home, whether it's freelance work, affiliate marketing, Amazon book publishing, or selling physical products on Amazon.

I decided to become an entrepreneur when I was 21 years old. It was the best decision I've ever made. I've been blessed to be able to turn my passion for self-development into a multi-million dollar online business. I'm proud that I've been able to achieve financial freedom at such a young age. However, the greater gift that I've received from my business has been the positive impact I've made in the lives of millions of people.

Making a lot of money is great, but it doesn't buy happiness.

Researchers have found that people are happiest when they make about $75,000 a year. However, emotional well-being and life satisfaction tend to decline after the $95,000 mark. Acquiring a lot of material wealth won't make you a happier person. Happiness is an inside job.

I believe that anyone can turn their passion into an online business and make a profit doing what they love. However, before you can start growing your wealth and creating financial abundance, there are three things that you need to master first. Let's dive in!

1. Learn How To Earn Money

From a young age, a lot of us are conditioned to go to school and get a 9 to 5  job. However, the world is changing. The Coronavirus pandemic has proven that having a 9 to 5 job is risky. A lot of people have been faced with the possibility that they may have to learn new ways of working and making money.

Dealing with financial unknowns has created a lot of stress for people. However, it has also presented people with new opportunities to create life on their terms. There are so many ways that you can earn money online.

Don't reinvent the wheel. The smartest way to make more money is to learn from those who have already achieved what it is that you desire. The reason why I am so successful today is due, in large part, to the fact I put myself in environments with people who are smarter and more successful than I am.

When you surround yourself with the right circle of people, you raise your standards, thereby creating more opportunities to grow and become more. That is how to best leverage your success in life.

2. Learn How To Keep Money

If you don't learn how to master your money, your money will master you. A lot of people know how to make money, but they don't necessarily know how to keep it. If you live paycheck to paycheck, you will never able to get ahead financially. If you spend more money than you make every month, you know that it's time to create a budget.

The reason why budgeting feels like such a nuisance is because it requires that you sacrifice something. However, it is the only way to start taking control of your spending.

Make a list of all of your monthly expenses and determine where your money is going. By tracking your spending every month, you will develop stronger money management skills that will help you save and plan for your financial future.

3. Learn How To Grow Money

One way to grow your money is to build an online business. Building passive income gives you financial freedom so that you can design your ultimate dream lifestyle. When your money works for you, you don't have to work for money.

Imagine how it would feel to wake up and see that you made thousands of dollars while you were sleeping. That's what building a successful online business can give you. A second way to grow money is by investing the money that you make. Investing guarantees that your money is safe.

I started investing when I was 18 years old. Today, I've built a 3.5 million dollar investment portfolio. If you invest the right way, you can set yourself up to be extremely wealthy later in life.

If you want more money, you must master these 3 things first.

Financial security is a worthwhile pursuit. However, if you're only interested in making money for the sake of money, remember that money isn't the source of lasting happiness. Conversely, when your financial goals are in alignment with your higher self, making money becomes a spiritual journey.

Strive for money to be the reward that you get for adding value, creating impact in the lives of others, and contributing to the betterment of the world at large.

In the words of my mentor, Tony Robbins, “The secret to wealth is simple: Find a way to do more for others than anyone else does. Become more valuable. Do more. Give more. Be more. Serve more.”

Do you want to figure out which online business will best help you become financially free? CLICK HERE to get instant access to my FREE business quiz!

Ever wondered what it's ACTUALLY like being young millionaires?

My fiancée, Tatiana, and I were blessed to achieve massive success in our early 20s.

Inside this blog, we share with you our perspectives on what it's like to be young millionaires.

There are a lot of benefits that come with achieving financial freedom. Becoming wealthy allows you to build your dream life.

However, there are some disadvantages to accruing wealth that I want you to be aware of.

If you're ready to hear the untold truths of the millionaire lifestyle, keep reading…

Watch the video below:

(Click here to watch on YouTube)

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Do you want to build a 7-figure business and become a millionaire? CLICK HERE to take my FREE quiz to determine which business can best help you achieve that goal!

How do you think a millionaire lives his or her life?

For a lot of people, a millionaire's lifestyle looks like traveling the world first-class, driving fancy cars, or living in a luxurious home. These are the ‘sexy' parts of being a millionaire. Don't get me wrong… making millions is amazing.

It affords you a world of opportunities. However, there's another side of wealth that is rarely talked about. That is what Tatiana and I want to share with you. Let's dive into the advantages and disadvantages of being young millionaires!

Advantages

1. Less Pressure To Make Money

At the beginning of every entrepreneur's journey, the focus is on hustling to make money. If you want to build a successful business, making money has to be important to you. If you want to create financial freedom, you have to be committed to building wealth.

However, once you've put in the hard work and are able to reap the rewards of success, you will feel less pressure to make money. Today, Tatiana and I are no longer preoccupied with the worry of making money. We have done the hard work to set ourselves up for financial freedom for the rest of our lives.

Now we can redirect our energy and focus on other areas of our lives that are equally, if not more, important than money. Some of these things include personal growth. relationships, health, and philanthropy.

By accelerating other aspects of our lives, our brain has been able to operate at a different level. We have more free time to grow and develop as people which, in turn, helps us continue to build a life of fulfillment. Once Tatiana and I became millionaires nothing about our lives really changed.

We didn't start living a millionaire lifestyle. It just meant that our bank accounts looked different. For us, being called a millionaire is just a label. It's important to remember that financial freedom is not just about finances. It’s about creating joy, happiness, and the ability to live an extraordinary life on your terms.

2. Freedom To Buy Whatever You Want

When Tatiana and I go out we don't have to think twice about how much something costs, unless it's a high-ticket item. As a result, we can experience the best of what life has to offer. Having these opportunities has enhanced our quality of life in so many ways. Money affords you the ability to get the maximum experience of life.

Let me be clear… money doesn't buy happiness. However, it does allow you to buy things, have unbelievable life experiences, and create lasting memories. Having a lot of money should never be the end goal. Instead, think of money as an enabler that can allow you to live almost any life you choose.

3. Contributing To Those Less Fortunate

Giving back to others has always been a core part of my mission in life. One of the greatest rewards of becoming millionaires has been our ability to contribute to the lives of others. To date, Tatiana and I have been involved in philanthropy projects around the world, specifically in Ethiopia, Kenya, India, and Ecuador.

Alongside the We.org team, which is an international development charity and youth empowerment movement, we have helped build schools and homes for families in developing countries. There is no greater feeling than knowing that the money we donate to a charity is going to help better the lives of those less fortunate than ourselves.

In the words of Andrew Carnegie, “I spent the first half of my life making money and the second half of my life giving it away to do the most good and the least harm.” When you're first making a lot of money, it's okay to reward yourself for your hard work. However, the excitement that comes with the pursuit of materialistic possessions wears off fairly quickly.

You receive so much more meaning in life from the act of contribution. We have been blessed with the gift of privilege which is why we believe that it is our responsibility to contribute and give back. As Tatiana and I get older, I know that philanthropy will become an even bigger part of our lives than it is now.

Disadvantages

1. Your Problems Don't Magically Go Away

A lot of people think that once they become a millionaire all of their problems are going to magically disappear. Sure, having more money will help your bank account, However, it won't fix your relationships, your weight, or your overall mental health. Nothing in your life will change unless you are willing to take responsibility and change too.

When you start making a lot of money, you have to be careful that you don't become greedy. The best advice I can give anyone who aspires to become a millionaire is to be mindful that you don't become too emotionally attached to money. Money isn't the end all be all.

I know a lot of millionaire entrepreneurs who are obsessed with making money. No amount of money is ever enough for them. As a result, they end up giving less attention to other areas of their lives, like their relationship, their kids, or their health. In my opinion, this is a very dangerous way to live your life.

They have their foot on the gas to pursue more money, at the expense of everything else. In the words of Wayne Dyer, “More is the mantra of the ego.” It's important to remain humble along your entrepreneurial journey. Once you reach financial freedom, you soon realize that money is just a means to an end. That truth will set you free.

2. It Becomes Challenging To Create Authentic Friendships

When people know that you are a millionaire, an energy shift takes place. They treat you differently. When we meet people for the first time, we rarely ever go out of our way to talk about what we do for work. Yes, sometimes this means that we have to withhold information about who we are, but it protects our emotional energy and peace.

We don't want people to be friends with us solely because they want our success secrets. We love to share our journeys of success. Both of us are very transparent on our YouTube channels because we want to help people succeed. However, when it starts to feel like people are taking advantage of us, it no longer feels good.

At the end of the day, we want people to like us for who we are and not treat us differently because of how much money we make. This is why both of us enjoy hanging out with our friends whom we've known for years. They don't treat us differently or look at us as millionaires. To them, we are just Stefan and Tatiana. Those are the types of people you want in your close circle.

3. One Million Dollars May Not Feel Like Enough To Sustain A High Quality of Life

Once Tatiana and I made one million dollars, naturally, we had the desire to have nicer things. However, having nicer things usually costs a lot of money. As an example, if you want to buy a big home in an expensive city, like Vancouver or Los Angeles, you're going to need way more than one million dollars to purchase it.

The same thing goes with wanting to purchase luxury cars or any other high-ticket items. Of course, everyone has different values, depending on the vision that they have for their life. If you are someone who wants the ultimate millionaire lifestyle experience, you have to set your expectations very high and follow through. You have to be consistently making one million dollars (if not more) every single year.

The best way to become super-rich is to invest your money in the stock market. If you make these moves at an early age, it is much easier to become a millionaire or a multi-millionaire in your early 30s. That being said, don't forget that it is never too late to get started investing.

This is what it's ACTUALLY like being young millionaires.

In today's digital age, there are so many opportunities to create financial freedom. If you have the desire to build an Amazon business, I encourage you to follow Tatiana's YouTube channel and Instagram page where she shares her best tips and strategies for success with eCommerce.

Money can improve every aspect of your life. However, in the end, it's not how much money you can make that counts. Rather, it's who you become along the way. Create a vision for the life that you want and then do the work to build your dream lifestyle. Anything is possible but only if you believe that it is.

Do you want to build a 7-figure business and become a millionaire? CLICK HERE to take my FREE quiz to determine which business can best help you achieve that goal!

I want to help you fix your money problems once and for all.

If you're struggling financially, you're not alone. We are living in very uncertain times. The pandemic has created financial insecurity for a lot of people.

In the week that COVID-19 was declared a pandemic, U.S. unemployment increased by 1.4 million people. Thirty-three percent of Americans reported that due to COVID-19 they or someone in their household had lost a job, taken a pay cut, or both.

Despite the current economic reality, the good news is that there is a way to bounce back from your financial troubles.

I don't want you to ever be in a position where you have no money in the bank. If you're ready to take back control of your finances once and for all, keep reading…

Watch the video below:

(Click here to watch on YouTube)

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Are you ready to discover how you can change your money beliefs and master your finances? CLICK HERE to join my Life Mastery Accelerator program!

I know what it feels like to have money problems.

There was once a time in my life when I struggled financially. I was in my early 20's and I got into a lot of credit card debt. It got so bad that I had to get rid of my apartment and live on my friend's couch for one year. I sold my beat-up Honda Civic and started taking the bus to work.

I didn't want to make these sacrifices, but I was forced to humble myself. I'm not going to lie, it was painful. However, these sacrifices were necessary if I wanted to get out of debt. If you keep doing what you've always done, you will keep getting what you've always gotten. I learned that hard rule, fast.

If you believe that you're a victim of your circumstances, you will have no power to change your circumstances. I don't want you to be a victim. Rather, I want you to be a victor. Instead of dwelling on what you can't control, focus on what you can control. I know from personal experience that when YOU change, everything in your life will change too.

If you're in dire financial circumstances right now, it's important for you to understand that there are people who are in similar circumstances to yourself who have financial security.

These people weren't born with a silver spoon in their mouth.

Rather, they built their success from the ground up. Their values and money beliefs contributed to decisions that allowed them to be in a better financial situation. I've always believed that the truth will set you free. Use this knowledge as fuel to motivate you.

Changing your financial situation starts and ends with self-awareness. I became a millionaire because I was willing to get real with myself and admit where I was falling short. More importantly, I was willing to make the necessary changes. Let's explore four reasons why you may be financially struggling right now.

1. You Are Young

If you're young, chances are that you haven't been in the workplace long enough to accumulate a lot of money. If you're in this situation, don't let this reason hold you back from becoming financially secure. I believe that one of the most important characteristics that we need to cultivate at a young age is work ethic. A work ethic is a set of values based on the ideals of hard work and discipline.

A lot of parents shelter their kids because they don't want them to experience pain. Don't get me wrong, the intention is beautiful. However, as parents, we have a responsibility to prepare our children for the realities of life. It's not all butterflies and rainbows. The current state of the world proves this point well.

Children who are sheltered by their parents are more likely to struggle through adversity as adults. They aren't given the tools to build their resilience at a young age. This is why cultivating a strong work ethic at a young age is invaluable. When you use your work ethic to contribute to the world in some way, you naturally build a sense of confidence, pride, and independence.

Your greatest asset is your youth. Start saving and investing money when you're young. When you have time on your side it's incredible where you can end up in your 40's and 50's. Commit to adopting healthy money habits, build your skill set, and learn the importance of adding value through the work that you do. if you can do that, you'll set yourself up to win in the future.

2. You Don't Come From Privilege

If you have a computer, you have access to a powerful tool that can change your life if you use it to get ahead in life. We live in a global economy. You are no longer limited to having a job in your local city. Today, you can cultivate skills and work for companies anywhere in the world. There are many companies that are looking to hire people overseas.

However, if you want to take advantage of these opportunities you must be willing to develop the skills of the future. This will require that you adapt and upgrade your current knowledge. Right now there are a lot of companies that are making the transition from offline to online.

They need help with things like copywriting, SEO, graphic design, email marketing, video editing, funnel creation, web design, etc. If you don't grow and evolve, you will get left behind. The Internet is the future, so leverage it!

3. You Have A Disempowering Mindset 

A huge reason why a lot of people get stuck financially is because of their impulsive buying decisions. They spend their money on luxuries instead of necessities. Their focus is on short-term gratification at the expense of their future.

If you're living paycheck to paycheck, you do not have the luxury to spend money frivolously. Strive to delay gratification. Get on top of your finances. Start tracking what's coming in and what's going out.

One habit that you can implement in your daily life is to create a money management spreadsheet. Go through your online banking transactions every week and determine what you're spending money on. You don't want to be unsure why you have no money in your bank account. Bring awareness to the issue and shift your money mindset.

4. Your Self-Limiting Money Beliefs

Your money beliefs first developed in childhood and were passed down from your parents. What did your parents teach you about money? How have those beliefs affected your financial decisions as an adult? As long as you hold onto the limiting beliefs that prevent you from having money, you'll never have money.

We all have different interpretations and associations with the word, “money.” However, money is neutral. It's not until we show up that we make it mean something (ie. money is good vs. money is bad). You can reprogram your beliefs around wealth and create the financial abundance that you've always desired. When you change your beliefs about anything, you end up changing your entire life.

You have the power to fix your money problems once and for all.

From this day onwards, commit to building good money habits and make new decisions that will help you improve your financial situation. Focus on solving the core issue that is causing you financial troubles in the first place. Once you build the qualities of success, you'll be ready to take advantage of the abundant opportunities that exist in the world.

Are you ready to discover how you can change your money beliefs and master your finances? CLICK HERE to join my Life Mastery Accelerator program!

If you want to achieve lasting wealth, you must be willing to change your habits.

For the last 15 years, I've been learning from the most financially successful people in the world. By modeling their beliefs and behaviors, I've been able to achieve financial freedom.

Modeling is a technique used by those with a growth mindset – those who believe that we can learn and unlearn behaviors.

Why reinvent the wheel when you can extract knowledge from those who have already achieved what it is that you want?

If you want access to 5 rich people habits for creating wealth, read on!

Watch the video below:

(Click here to watch on YouTube)

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This page contains affiliate links. If you purchase a product through one of them, I will receive a commission (at no additional cost to you). I only ever endorse products that I have personally used and benefitted from personally. Thank you for your support!

Rich people share similar habits.

The most successful people in the world don't get to the top of their game by acting like everyone else. Rather, they possess specific traits and behaviors that have helped them create wealth faster than others. In effect, they are willing to do what most won't do. Did you know that habits make up 95% of a person's behavior? You are the sum of your habits.

Everything that you have or don't have today is determined by the quality of your habits. Given that successful people have successful habits, it makes sense to pay attention to what they are doing. What one man or woman can do, another man or woman can do. There's no reason why you can't be rich. Anything is possible.

I've identified 5 rich people habits that have contributed to my financial well-being. If you have the desire to build long-term wealth, adopting these habits will help you achieve your financial goals.  Let's dive in!

1. The Habit Of Money Management

Being a great money manager means that you are on top of your finances 24/7. A lot of people avoid looking at their bank account or credit card statements. Is this you? You may not be happy to see how much money you currently have in your account. However, when you avoid the truth, you have no power to change your financial situation.

Cultivating awareness goes a long way when it comes to managing your money. I check my investments on a regular basis. Doing so ensures that I am on top of my finances and expenses. If I drop the ball, my expenses will creep up and my investments will get off track.

If you cannot manage the money you already have, you will not be able to manage larger sums as you become more successful. The best way to manage your money is to start budgeting. Be mindful of where your money is going every month. Find ways that you can spend less so that you're able to save money for your future.

The most successful people invest time, attention, and energy into their finances. The more that they think of ways to save their money and grow their wealth, the richer they become. Remember… whatever you focus on will expand.

2. The Habit Of Saving Money

If you can't save money, you're not going to be able to get ahead in life. The big mistake that I see a lot of people make is that they live paycheck to paycheck. Whatever money they have coming in goes directly towards their expenses. It's not how much money you make that matters. Rather, it's how much money you keep.

I know quite a few people who make a lot of money but they spend it all. Sure enough, they have zero savings. Hence, their money doesn't appreciate over time. I'm still frugal in some aspects of my life, despite the fact that I've already achieved financial freedom. In order to be a great saver, you have to be willing to sacrifice the present moment for your long-term future.

Start planning for your retirement. Think about where you're going to be in 30-40 years from now. When you start saving your money early, your money has more time to compound. I recommend saving 10% of what you earn. Be willing to delay gratification in the short-term. Your future will thank you for it.

3. The Habit Of Investing

A lot of people consume and spend money on products instead of investing in the very companies that create those products. What I love about investing is that it allows me to invest in incredible entrepreneurs who are changing the world for the better. In his book, Rich Dad, Poor Dad, Robert Kiyosaki says that you need to invest your money into assets, not liabilities.

An asset is something that appreciates and grows in value over time. What assets can you invest your money into? The key to investing is to just get started! It is equally as important to invest in your personal growth and development as it is to invest your money. Taking care of your health and well-being will ensure that you are able to create more wealth. At the end of the day, your health is your wealth.

4. The Habit of Continual Learning

The more that you learn, the more money that you will earn. The most successful people are constantly upgrading themselves, whether that's from books, courses, or from being in close proximity with successful people. A five-year study of 177 self-made millionaires found that the self-made rich made a conscious effort to only forge relationships with individuals they aspired to be: other rich and successful people.

Successful people ask questions. They leave their ego at the door, never assuming that they know everything. As a result, they are better able to absorb new knowledge and put it into action. More importantly, they don't stop learning. They are up-to-date on cutting-edge trends in their industry which ensure that they are always one step ahead of the game.

If you want to achieve a high level of financial success you must adopt a growth mindset. I believe that everything is learnable. There is so much knowledge that you can consume on the Internet. Your level of income is in proportion to your level of self-development. The more that you commit to expanding your mind, the more money that you will make. It's that simple.

5. The Habit Of Giving

The only way that you make money is by contributing to others. The more that you give, the more that you will get rewarded. If you work a 9 to 5 job and you aspire to get a raise, give more! Think about ways that you can add more value to the company you work for. How can you help the company make or save more money?

This is what will help you stand out from other employees. In turn, you will create more opportunities to expand your skills and make more money. Similarly, if you're an entrepreneur, figure out how you can stand out from the competition.

Create a unique selling proposition that nobody else has. Make it a priority to over-deliver to your audience. In my business, I always focus on giving more than I receive. That is the formula for business success.

Which habit of creating wealth will you take action on today?

Keep in mind that you cannot implement these money habits once or twice and then expect to see results. Rather, you need to consistently practice them over the long-term.

There is one thing that I can be sure of… if you commit to building these rich people habits, wealth and financial freedom will flow into your life.

Are you ready to build a successful online business and create long-term wealth? CLICK HERE to take my FREE quiz to discover which business is best for you!

I went from being broke to achieving financial freedom. 

If you've ever been broke, you know how much of a toll it can take on your mental and emotional health.

A study found that high amounts of debt are associated with higher rates of stress and depression. If you're struggling financially right now, there is hope.

How would your life change if you never had to worry about money again? Ultimately, pursuing financial freedom is about making a decision that you are no longer willing to accept the status quo.

All in all, nothing in your life will change unless you are willing to change. If you're ready to take ownership of your finances, save for your future, and design your dream life, let's dive in!

Watch the video below:

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If you don't want to be broke anymore, listen to this.

There was once a time in my life when I was broke and in a lot of credit card debt. My financial situation got so bad that I had to live on my friend's couch for a year. That was painful. Eventually, I was able to dig my way out of the financial hole that I got myself in. I'm not going to lie, it wasn't easy.

The road to financial freedom was a trek that I was willing to take because the alternative was too painful to bear. The only reason why I was in debt, to begin with, was because of the poor money decisions that I made. It wasn't until I took responsibility for my choices that I felt empowered to change my financial situation. The question is, “How did I go from broke to financial freedom?” It started with changing my money beliefs.

It must be remembered that you cannot create long-term wealth if you don't have a healthy relationship with money. What are your money beliefs? If you feel like there is never enough money or you're fearful to spend money, I hate to break it to you but you have a scarcity mindset.

The first step to shifting from a scarcity to an abundance mindset is to acknowledge why you are struggling financially.

Keep in mind that the root of your money fears can be traced back to childhood. For this reason, reflect upon the ways in which your money mindset was shaped by your early financial experiences. To clarify, if a child witnesses their parents struggle with money, they end up associating money with fear and lack. As the child grows up and becomes an adult, their money blueprint controls every financial decision that they make.

Secondly, you need to do the work to reprogram your money script. Replace disempowering, conditioned messages about money with more empowering ones that focus on financial abundance. In reality, if you don't commit to rewriting limiting beliefs that are holding you back, you will end up finding ways to sabotage your success.

None of the above will be possible if you don't take full responsibility for your life and your choices. If you're struggling and broke right now, it's time to humble yourself. You cannot blame the economy, the government, your ex-partner, or your business partner for your financial problems. The more that you deflect blame elsewhere, the more powerless you will feel.

Generally speaking, sometimes it takes hitting your emotional threshold before you're ready to change your financial situation. That's what happened to me. One day I woke up and I was tired of being broke. In particular, the mental and physical toll that it was having on my life was overwhelming.

I made a decision that I would never be broke again and I committed to making smart decisions with my money. Today, I'm financially free and have been able to design life, on my terms. It's possible. Keep in mind that everyone starts somewhere, so get real with yourself…

Are you ready to transition from broke to financial freedom?

Again, if you are currently struggling financially, decide today that you are going to start reprogramming your limiting beliefs about money. Your beliefs shape your success in life. If you commit to releasing your mental blocks associated with money and wealth, financial freedom is yours for the taking.

Do you want to know which online business can best help you create financial freedom? CLICK HERE to get instant access to my FREE quiz!

Books can help you make more money.

Building the habit of reading every day has proved to be a game-changer in my life. I started reading books when I was 17 years old.

This was the time at which I was introduced to the world of self-development. Money-making books have helped me attract more money and wealth.

Want to know the 10 books that can make you more money? You've come to the right place!

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Do you have the desire to make more money?

I believe that one of the best ways to take control of your finances is by investing in yourself.  Financial education creates financial freedom. When I was younger, I had a scarcity mentality. Because I grew up in a family where we didn't have a lot of money, I created a story that money was the enemy.

At the time, I couldn't see how this scarcity mentality was negatively affecting my ability to attract more money into my life. However, once I knew where my money scripts were coming from, I felt empowered to change them.

Money scripts are the internalized and unconscious beliefs we have about what money is, what it is not, what it can or cannot do, the role we play in it, and the role it plays in our lives. Not surprisingly, these scripts form in childhood and end up influencing our financial decisions in adulthood.

Nobody taught me about money in school. Rather, I learned about money from millionaires, multi-millionaires, and billionaires who wrote books about financial wealth. I extracted the mindsets of financially successful people, which ended up laying the foundation for my own financial success.

I promise that these 10 books will set you up for long-term success, financial wealth, and abundance in your life.  Since reading many of these money-making books, I have gone on to make millions of dollars in my business. Let's dive in!

1. Think and Grow Rich, Napoleon Hill

This book was written over 100 years ago. Napoleon Hill was hired by Andrew Carnegie who, at the time, was the richest man in the world. Carnegie sent Napoleon Hill to interview the most successful people in the world, which provided the framework for the teachings inside this book. This book will help you master your money mindset.

2. Rich Dad Poor Dad: What The Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!, Robert Kiyosaki

In this book, Robert Kiyosaki shares a story about his Rich Dad and his Poor Dad. His Poor Dad, who was his biological father, had a belief system that was similar to the rest of society – go to school, get a good education, work until you're 65 years old, and then retire.

Robert also learned from his Rich Dad, who was his friend's father. He instilled within Robert the belief that he should start a business of his own as a way to create financial abundance. Inside the book, Robert teaches a lot of core money concepts related to assets and liabilities which helped me change my relationship with money.

3. MONEY Master The Game: 7 Simple Steps to Financial Freedom, Tony Robbins

In this book, Tony Robbins interviews the top 50 richest financial investors in the world, some of whom include Warren Buffett, Ray Dalio, and Jack Fogel. This book laid the foundation for a lot of my beginner investment decisions related to index funds. It taught me about the value of paying myself first and compound interest. This is quite a lengthy read, but Tony also has a smaller version of this book, called Unshakeable.

4. The Millionaire Fastlane: Crack the Code to Wealth and Live Rich for a Lifetime, MJ DeMarco

This book dispels the traditional long-term approach to creating wealth. Instead, it teaches you that the most financially successful people didn't become wealthy by getting rich slow.

The teachings inside of this book have contributed a lot to the success that I've created in my business. I use the mindset that DeMarco talks about, in conjunction with my long-term wealth creation and investment strategies.

5. The Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth, T. Harv Eker

This book talks about the mindset of being a millionaire and helps you understand what your money blueprint is. Think of your money blueprint as your baseline of how much money you think you're worth.

Once people go beyond their baseline, oftentimes they will self-sabotage and bring themselves back to where they think they should be. Your blueprint is based on the people whom you surround yourself with. If you look at the top five incomes of someone's friends, you can tell how much money they make.

6. The Richest Man in Babylon, George S. Clason

This book gives you financial advice through a collection of stories set in ancient Babylon. Clason teaches you the basics of how to allocate your money and pay yourself first. Inside his book, he offers simple-to-understand solutions to your personal financial problems so that you can become a better financial planner and create long-term wealth.

7. Rich Dad's CASHFLOW Quadrant: Rich Dad's Guide to Financial Freedom, Robert Kiyosaki

You should read this book after you read Kiyosaki's first book, Rich Dad Poor Dad. This book shares four different quadrants – employee, self-employed, business owner, and investor. Kiyosaki describes that you do not want to be the employee or the self-employed.

This is otherwise known as the rat race, where you are living paycheck to paycheck and trading your time for money. Kiyosaki encourages people to be a business owner or investor. These types of people work on their businesses, not in them. He calls this way of life “the fast track.”

This is when you can pursue your dreams and create financial freedom. He's also got a great board game called Cashflow that I encourage you to purchase. It will teach you a lot about investing, money, and financial education.

8. The Automatic Millionaire, Expanded and Updated: A Powerful One-Step Plan to Live and Finish Rich, David Bach

This book shares some of the same principles as the other books I've mentioned above. However, there is still value in reading it.

Inside his book, Bach talks about the value of paying yourself first, automatically. He says that you want to hold onto at least one hour a day of your income, which works out to about 12.5 percent of your pretax income, to save and invest. If you do that, over time, he believes that you will become an automatic millionaire.

9. The Wealthy Barber: The Common Sense Guide to Successful Financial Planning, David Chilton

This is one of the biggest, best-selling financial-planning books of all time. I first read this book when I was 18 years old.

Inside, it explains the story about a guy who goes to a barber and gets financial advice, and the barber ends up becoming a millionaire. Chilton walks you through the steps of how to better manage your money so that you can take control of your financial future.

10. The Millionaire Next Door: The Surprising Secrets of America's Wealthy, Thomas J. Stanley

A lot of people have a misconception about how millionaires live their lives. A lot of them aren't flashy people.  Many millionaires are very conservative with their money, just like the person next door.

An additional book that I suggest you read is called The 4-Hour Workweek: Escape 9-5, Live Anywhere and Join The New Rich written by Tim Ferriss. His book teaches you how to work smarter by outsourcing and delegating your work.

If you read these 10 books, you'll create financial freedom.

The more that you learn, the more that you earn. You owe it to yourself to be financially educated and responsible. If you take action on the information that is found in these books, you will position yourself for long-term financial success and abundance.

I encourage you to choose 5 of the 10 books I've talked about and go deep with them. If you want to study a specific approach to making money, I suggest reading books by investors like Warren Buffett, Ray Dalio, Peter Lynch, George Soros, or Sir John Templeton.

If you want to go deeper with business, study people like Sam Walton, Elon Musk, or Jeff Bezos. However, before you do any of this, get a solid understanding of how to manage your money so that you can create financial habits that will set you up for success.

Which book will you start reading this week?

Do you want to know how to invest your money and build long-term wealth? CLICK HERE to join my Life Mastery Accelerator program which includes videos on money and investing!