Millionaire Habits

Introduction xi We Retired in Our 30s in an Airstream RV xiv How To Use This Book xv Part 1: The 10 Habits of Millionaires--the Wealth-Building Time Line 1 Habit # 1 Millionaires Say Yes 7 Am I Suggesting That You Say Yes to Every Opportunity You Get? 13 Habit # 2 Millionaires Are Selfish 15 Finances 17 The Five Pillars of Financial Selfishness 17 Health 19 Physical Health 20 Mental Health 22 Work 23 Compensation 24 Work-Life Balance 25 Recognition 27 Habit # 3 Millionaires Maximize Income 33 Switch Companies 35 Start a Side Hustle 36 Ask for a Raise 42 What about Investing? 46 Habit # 4 Millionaires Pay Themselves First 49 How Does Pay Yourself First Work? 51 When Is Pay Yourself First Not a Good Idea? 55 Habit # 5 Millionaires Automate Everything 59 What Should You Automate? 61 When Should Each Automation Happen? 62 How to Set Up Financial Automation 63 Habit # 6 Millionaires Invest (A Lot) 67 Stocks 69 Bonds 70 Index Funds 71 Targeted Retirement Funds 73 Exchange-Traded Funds (ETFs) 74 Mutual Funds 75 Real Estate 75 Traditional 401(k) 78 Roth IRA 80 Health Savings Accounts 80 Cryptocurrencies 81 Active vs. Passive Investing 82 The "Passive-first" Investment Strategy 83 Long-term Investing Makes Millionaires 85 Why Dollar-cost Averaging Works 86 Are Stocks Down? Don't Panic! 87 Habit # 7 Millionaires Save for Emergencies 91 How Much Should You Save? 93 How to Set Up Your First Emergency Fund 93 Step 1: Separate It 94 Step 2: Make It a Priority 95 Step 3: Use Automation to Make It Easy 95 Where Should You Keep Your Emergency Savings 96 What Is An Emergency? 97 Habit # 8 Millionaires Create Their Own Luck 101 Our Choices Compound 103 How to Create Your Own Luck 105 Adopt a Positive Mindset 106 Take Calculated Risks 107 Be Proactive 109 Be Open-minded 110 Visualize Your Success 111 Work Hard 113 Build a high-quality Network 114 Ditch Your Comfort Zone 115 Volunteer 117 Habit # 9 Millionaires Control Their Spending 119 Your Income Doesn't Equal Your Wealth 120 The

STEVE ADCOCK is a former IT worker who, together with his wife, became financially independent at age 35. He teaches others how to achieve financial security and well-being. In his downtime, he and his wife travel the world and enjoy nature living in their off-grid home in the sun-drenched Southwest.