Top 5 Wealth Habits to Adopt

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Top 5 Wealth Habits to Adopt

There are many “wealth habits of the rich” that one can adopt to be more productive and successful. However, out of all the wealth habits that the rich do that the poor don’t, below I listed my top 5.

I also did a video about my top 5 wealth habits of the rich that you can watch at the end of this post. So be sure to check it out!

*I wish to be transparent with my viewers. Some of the links are affiliate links. If you click on the link and make a purchase I will earn a small commission.


Top 5 Wealthy Habits of the Rich


If you want to get rich, or at the least grow your money to build your net worth, then one wealth habit to adopt is to invest.

Sure, saving your money for a “rainy day” is smart, and by the way, everyone should save for an emergency fund as discussed in this video, or start a 52-week money challenge, but just saving your money alone won’t get you rich.

The wealthy invest their money regularly and they do so several different ways like in stocks, bonds, mutual funds, ETF’s, real estate, venture capitals, and small businesses to name a few.

So, what’s the difference between saving vs. investing?

It’s the compound interest you earn when you invest, which basically means, earning interest money on the interest.

For instance, if you invest $1000 with a 10% return, at the end of 5 years your money will grow to $1610.51. That’s an extra $610.51 earned just in compound interest alone without you adding any extra money.

On the other hand, if you had $1000 sitting under your mattress, at the end of 5 years, it’s still $1000.

You can learn a lot more about investing beyond the scope of this blog post, but you get the gist. If you want to adopt a wealth habit of the rich, do what the rich do and invest your money.

If you haven’t invested before, there are many great investing apps and online brokerage websites for you to get started like Stash, Acorns, Robinhood, E*Trade, or TD Ameritrade to name a few.

With some of these investment tools, you can get started with as little at $5 per month (Stash) or as little as $6.95 per trade with no minimum investment (TD Ameritrade). Do you research and see which trading platform is best for you!

I personally use Stash and Robinhood.

Manage Your Money

Managing your money means controlling your money. Therefore, adopting wealth habits of the rich like this one should be a no-brainer.

For example, managing your money can mean paying yourself first (i.e. at least 10% of the money you earn, you keep for yourself), doing a daily budget, saving up for an emergency fund, building a stock portfolio, paying into your life insurance, having a will or estate plan, etc.

If you really want to be in control of your money, you should do all these things (yeah…me included).

The wealthy are great at keeping track of their money and knowing exactly where they’re spending it. Unlike poor people, they typically spend their money when they get it, and for the most part, couldn’t tell where their paycheck went by the end of the week.

Don’t let this be you!

I am not a fan of budgeting myself and I can definitely improve, but I try my best to track where my money is going. At the very least, I am more mindful about how I spend my money as to prevent overspend.

There is nothing more frustrating and humiliating than coming up short for bills, and even worse, having to ask family or friends for the money.

Consequently, if you are sick and tired of over draft fees, you don’t want to be one of those people on the street holding up signs for donations to bury a loved one, or if you don’t want to be broke in retirement where you have to continuing working, wealth habits of the rich like managing your money should be priority #1.

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Maybe this is this first time you heard this, but it has been said that people who read more, earn more.

Well, there must be some truth to this because reading is something that the rich do a lot that the poor don’t. Hence, the more educated one is, the more money one can earn.

Some types of books you should be reading include self-help books, investment books, books about retiring, how to start a business, how to be more productive, real estate investing, etc.

Here are a few popular book suggestions that I’ve read and own to help get you started:

  1. The Richest Man in Babylon by  George S. Clason
  2. The Automatic Millionaire by David Bach
  3. Smart Women Finish First by David Bach
  4. Think and Grow Rich by Napoleon Hill   
  5. Success Through a Positive Mental Attitude by Napoleon Hill and W. Clement Stone
  6. The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich by Timothy Ferriss
  7. Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!
    by Robert T. Kiyosaki
  8. Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth by T. Harv Eker

Don’t Watch Too Much TV

I don’t know about you, but I LOVE my Netflix! Well…the rising cost of Netflix, which seems like every other year, is a tad annoying, but it’s still cheaper than cable.

Anyhoo, it’s said that the wealthy only watch about 1 hour of television per pay, and that’s if they watch any television at all.

The poor on the other hand, they watch an average of 4-5 hours of television per day.

That’s a lot of television! Imagine what one could be doing with their time if they had an extra 4-5 hours a day to be productive.

You could be reading self-improvement books, building your business, or taking educational classes to learn a new skill so you can earn more money at your current job.

Therefore, if you want to expand your mind and be more productive with your day, cut down on the TV.


Would you believe that exercising is on the list of wealth habits of the rich to adopt? It makes sense when you think about how being sick and/or unhealthy can greatly impact one’s finances.

For instance, if you are uninsured and suddenly had a heart attack, would you be able to cover the exorbitant medical costs?

According to the CDC, 28.1 million Americans are diagnosed with heart disease and 600,000 people die each year as a result.

I am not trying to say that the wealthy don’t get sick, because they most certainly do, but unlike the poor, they have the financial means for the best medicine, the best doctors, and the best treatment plans to get better and/or survive a major aliment.

Likewise, because they have the financial means, the rich are also able to eat healthier with access to healthier foods, dietitians, and nutritionists; are more physically active with access to gyms, personal trainers, and tailored fitness programs; and are able to live longer due to the fact that they live in safer neighborhoods where there is less pollution, crime, and more security protection.

Basically, having a healthy lifestyle + living a stress-free lifestyle = better health, well-being, and longevity.

To conclude, there are more wealth habits of this rich that people can adopt, but I feel that the 5 mentioned in this blog post are very easy to implement to get started on your way to becoming rich too.

So don’t wait!

Start today and I will meet you at the top.


Music for “Top 5 Wealth Habits to Adopt” video:

Artist: Bad Snacks
Track: The Morning After
Duration: 2:33
Genre: R&B & Soul | Calm

Artist: Bad Snacks
Track: The Morning After
Duration: 2:33
Genre: R&B & Soul | Calm

If you like my video “Top 5 Wealth Habits to Adopt,” please be sure to like, share and subscribe!


Thank you!





Habits of Wealthy People





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