The key to getting rich isn't about working past midnight every day to stay ahead of the competition.

Or having a three hour morning routine. It's actually about forming micro habits. Tiny habits that

compound over time and make getting rich easy. So I'm going to share with you the 18 tiny habits

to help me get rich and how you can apply them in your life. Starting with tiny habit number one, look at your money daily.

Every day, I get a email for all of my companies called Daily Cash Report,

and it includes all the balances, all the credit cards, all my accounts, the transactions

for the previous day, because I want to get a sense of the heartbeat of cash flowing through my businesses. I want to be aware what you focus on expands. If you don't know how much cash is being generated in your bank account and your businesses, then how can you give it the right attention? I call it the 24 hour rule. You should be checking your money every 24 hours. Don't hide from it. Don't pretend like you don't want to see it. I don't want you to go to the ATM machine to find out you don't have enough money to pull money out because you're not aware. Have the app on your phone. Check it often. If you don't like the number, make it better. Which brings us a tiny habit number two, value your time. If you don't value your time, no one else will. You'll be upset that people are taking

advantage of you, asking you to do favors and never returning it in the first place. Rich people

say no more than they say yes. Because a yes is a no to their future and a no is a yes to their

goals. What do you want to create in the future? It's actually okay to be a little selfish to create a better scenario for who you are and what access to resources you have so you can be richer. So you can be more for people in the future. Which brings us a tiny habit number three. Set clear goals. When I started my first company that succeeded, Sphoric Technologies, I read a book called Good to Great and it said, you have to have a vision for your life. So I sat down and I created a vision. Five years, five continents, 50 million in revenue, 50 people. I don't even know where it came from. It sounded good. Did I get to that level in five years? No. Just shy, though, and that was the business that made me a multimillionaire. What I had was clarity and focus. See, a goal properly

set is half complete. Most people just don't write it down. Without a deadline, that goal is just a dream.

So I use this thing called the Rule of 300 to help me hit my goals. It's all about having 100%

clarity, 100% belief, 100% of the time. If you do that, you'll hit your goal. Which brings us the tiny habit number four, review your goals daily. Every day I use triggers when I sit at my chair in the morning, when I'm doing my morning routine, or I get in my car, or I come to my desk at my office to remind me to review my goals that are on my phone. So it's literally pinned at the top of my notes file, and they're my 12 power goals for the year. Most people set goals and don't review until the end of the year, and they realize either hit them or didn't hit them. It's like business plans. They usually write them and then stuff them in a drawer. I review my goals three times a day. The way I make it easy on myself is I just connect it to a trigger.

It literally activates this thing called your reticular activating system to help you scan the

world for opportunities to make that a reality. It's like when you're thinking of buying a new

car, let's say a red Volkswagen, and for the longest time, you didn't see any other red

Volkswagen. All of a sudden, you can't stop seeing them all over the place. Why your brain is on the search of red Volkswagen so you'll see them all over the road. Which brings us the tiny habit number five, automate your savings. My philosophy is very simple. I want to set it and forget it. I want to make the decision when I'm feeling good about life and then never revisit it.

Even though I live off 10% of my income, most people should follow the 50, 30, 20 rule, which is 50% of

their income goes to what they need, 30% goes to what they want, and the other 20% should go to

savings. What I do pretty much every week is any extra cash in all of my companies get swept out, put into my holdco, and then my hold co automatically invested in the portfolio I've already decided.

So I either do high risk stuff in private equity or I do low risk stuff and index funds in the public markets.

But I don't want to think about it.

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