Differences between the habits of rich and poor people according to research. Ready lists of daily habits of millionaires, examples and ways to pump yourself up.
With an increase in well-being, a person’s whole life changes, including his hobbies, tastes and preferences. There are more opportunities to do something, to try, to translate your plans into reality.
But customs and inclinations may have formed long before the rise in wealth. Most poor or middle-income people wonder how billionaires and millionaires achieve their financial well-being. Very simple. These people always know perfectly well what they want and how to come to it. And their achievements, skills and habits help them in this.
Rich people’s morning habits
Rich people’s daily habits
Other good habits
How the habits of the rich differ from those of the poor
Morning habits of rich people
The main habits of rich and successful people start small. How you start the day, what power you charge it with, that’s what you get throughout the day. Experts on the study of the influence of different times of day on the psychological health of people say the strongest time is in the morning.
That’s when the whole space is filled with the strong energy of the sun, and the awakened person is full of fresh energy and fruitful ideas.
Wake up in the morning only 3 hours before work. During this time you have time to do a lot – not only to wash your face and have breakfast, but also to meditate, take a walk, do morning jogging, come to your senses, analyze something about the cases, make or approve plans for the day. Morning is the most important time of life for all people!
For reference! There is a club of millionaires in the U.S., where one of the conditions of entry is a daily rise at 5 am.
Compared to affluent people, poor people allow themselves a lot of sleep. So, according to T. Corley’s statistics, 44% of rich people wake up and get out of bed at 5-6 a.m., while only 3% of poor people do.
Waking up early positively affects the health of the entire body, not only the psyche and brain function. Those who get up early and go to bed late live in rhythm with their own biological clock and the rhythms of the surrounding Universe.
The daily morning habits of wealthy people are always to exercise or run outdoors. It is proven that this way the body is prepared for the whole day, energized and more resilient.
Most millionaires have traditional morning runs, yoga, or both. Some like to go for a run with their dog and family.
A hearty but very healthy breakfast is an important part of being rich. The food is full of proteins and plant-based ingredients. Most millionaires believe it’s better to stock up on energy for breakfast and work through the day with a snack at lunch than to fill up during the day and then struggle with sleep. And for this you need to accustom yourself to not eat too much at night.
The usual breakfasts of the President of the Russian Federation – V.V. Putin, consists of an impressive bowl of porridge, boiled quail eggs or scrambled chicken eggs, and any fruit juice.
Jeff Bezos, the founder of Amazon, eats only healthy food for breakfast. There are no trans fats, no chemicals, no fast food. Breakfasts are always varied. For example, it could be octopus with potatoes and poached eggs.
Popeyes CEO Cheryl Bakelder likes to eat porridge made from crushed wheat grains, bacon with scrambled eggs and coffee for breakfast. Richard Branson (creator of the Virgin Group Corporation) prefers a salad of any fruit and granola.
Bill Gates does not stick to healthy foods. He can easily eat cheeseburgers for breakfast, chocolate flakes and wash everything down with Diet Coke.
Singer, actor and songwriter Justin Timberlake makes sure to eat scrambled eggs, waffles baked with flaxseed flour and flavored with almond butter before working out in the morning.
U.S. President Trump’s daughter 45, Ivanka, eats oatmeal with any berry or fruit additions, Greek yogurt, a handful of nuts with her family in the morning. All washed down with coffee or a glass of lemon water.
Twitter’s CEO, Jack Dorsey, eats two hard-boiled eggs and soy sauce in the morning.
Communicating with your family
It’s imperative to pay more attention to family in the mornings. Some rich people like to cook and eat breakfast with their loved ones. Others take a morning run together, even a little fun competition. Others help their children get ready for school. This is another habit all people should adopt. Most poor people are so wrapped up in their problems that they even manage to eat breakfast on the way to work.
Solving difficult problems
It is early in the morning that all rich people try to put as much effort as possible into solving priority or intractable problems. This is the time when the brain is more active than ever. This way helps to move faster in solving the problem so that you can stay in a good mood all day long. If you solve a difficult problem in the morning, the rest of the issues during the day will be much easier, more efficient and faster.
Daily habits of rich people
Here are the versatile habits of millionaires, billionaires, to which they resort daily no matter what. Many traditions or customs from the life of the rich are quite accessible to the poor so that they implement them in their lives.
It is possible not just out of idle curiosity to wonder what the habits of rich people are, but also to adopt them for yourself. It’s better to start doing what rich people do today and not put it off until tomorrow.
At least 10 ideas a day
All rich people try to get the most out of their own thinking resources. They write down all the ideas that come to their mind every day. Many of the successful entrepreneurs believe that you should extract at least 10 ideas a day. Then there will be something to choose from to adjust to a changing world. And your plans will be easier to reshape and change, guided not only by external circumstances, but also by your own interests.
At first, future successful businessmen wrote down as many ideas as they could. But the upper limit is 10 ideas each day.
Inspiration for growth
There are daily habits of wealthy people that focus on growth and development. One of them is to increase by 1% every day their efficiency, their financial profit, the success of any other business that is done during the day.
Read a little more books, work out a little more, work out, talk to influential people, or find the best way to solve problems.
Rich people completely replace watching TV in the morning with reading or listening to audiobooks. This can be professional, journalistic or fiction literature.
Percentage of areas of literature that rich and successful people are interested in:
Personal growth and spiritual development – 55%;
Educational methods, techniques and practices – 79%;
Historical literature – 51%;
Biographies of successful businessmen, politicians, musicians and other people – 58%;
News in the segment of interest – 94%.
Anything that brings development and self-education is useful. Everything else – detectives, entertaining fiction and other books – is not in the interests of wealthy people. Because such people never stop gaining experience and new knowledge. Only 11 percent of the wealthy allow themselves to read entertaining books.
Long Lunch Breaks
Millionaires are well aware that the brain and body need more time to rest than a half hour or an hour for a break. Therefore, for themselves and even for their subordinates they arrange long lunch breaks – up to 2-2.5 hours. It is in a rest of such duration that they see productivity for further work activity.
Ability to relax and switch
Meditation, relaxation, or simply having a good time is one of the favorite and useful activities of wealthy people. Meditation practices help them to get a great charge of energy in the morning, and in the evening to relieve stress, calm down and come to their senses after a day of work.
In addition, there are different techniques that can improve memory, breathing, strengthen the immune system, and bring both mental and physical health into harmony.
In order to control expenses, rich people use convenient mobile applications or a schedule drawn up in a diary. They use their electronic wallets, bank accounts only through a special service in their personal cabinet, where they can set limits on expenses. Added to this is the monitoring of stores, where you can buy everything you need and what is on the market, but only at a reduced price.
Many rich people have made a rule – if it is necessary to withdraw money from the bank account, it is done so that there is always a certain amount left on it. More can be withdrawn, but not less. This amount may always be the same or it may change. It may be a lucky or significant number.
Rejection of small useless affairs
Small matters can steal precious time, useful energy, but never lead to progress in return. Wealthy people never give in to small matters that can be eliminated from their daily lives. They review their previous day every time, removing the unnecessary, unproductive things from tomorrow’s to-do list.
Psychologists call this “active procrastination,” when accomplishing micro-tasks throughout the day creates the illusion that many things have been accomplished. And there is no fruit.
Developing the necessary skills
If a millionaire needs to learn English, then he should immediately get down to it, sparing no time or money. The same goes for other key skills that may be needed in the workplace. Rich people don’t learn from time to time, but every day. If homework is assigned, then it is practiced daily, not on an ad hoc basis.
It is important not only to invest money, but also to set aside an amount that can serve important purposes in the future. You can use piggy banks, or you can manage your money electronically – using your personal bank account or payment system. The rich have developed the habit of putting a certain amount of money in an envelope every day.
Keeping yourself motivated and setting goals
To keep themselves motivated at all times, the rich use different small techniques and ways. For example, keeping any thing in front of their eyes that would constantly remind them of the task at hand. Listening to songs that inspire them. Or communicate with positive, wise people.
The right goal is the one that is realistic to achieve regardless of the influence of the weather, people, systems, economy, states, or Fortune. Such goals help to achieve global dreams day in and day out.
Developing New Habits
Using the Habit Tracker mobile app allows wealthy people to acquire new useful skills, new good habits. Scientists have tracked that it usually takes 20-30 days to finally develop one habit. You can make a special chart yourself, in which you mark every day the steps you take to acquire a new habit.
Analyzing the past day
Without analysis, it is impossible to take the next step, to start the next day. Rich people analyze their day in the evening. If they are very tired, they get up early in the morning and, after all the morning procedures and activities, sit down at the desk in their office to analyze yesterday’s events and results.
Other useful habits
This item provides a list of useful habits of rich people that can be useful to anyone. By acquiring new skills, you can radically change your life, build a whole business of your own, help other people with jobs, a good salary or advice on how to start a business. All of this is realistic to accomplish even in an economic crisis.
Time is money
Successful “conquerors” of markets, careers, or creators of their own businesses are people who have managed to learn to value both money and time. This means that there is no way to do without making a daily schedule. This means that you will have to limit your usual contacts with relatives, friends and colleagues at work. It is important to learn how to politely say no, and at the same time be able to find a minute or two for friends or family members.
Those who are able to make good money and keep their businesses thriving spend little time idly chatting on social media. Of all millionaire Americans surveyed, 79% believe that 5 hours in an entire month is enough time to chat with friends on social media. The same amount of time poor people are willing to spend on the internet as 16%.
Keeping the right mindset
The entire list of habits of wealthy people is permeated by the “red thread” of a positive, creative mindset, which could be summed up in one phrase: “I only buy, not sell.” This means that you have to build your business so that clients and customers look for you and find you.
It is necessary to learn something really, to do something masterfully. And so that you are needed. This is the only way your skills and talents will be bought, instead of you having to obsessively advertise them to someone.
Do not work for nothing! Fairly evaluate your work, the result of labor. Every thing or service has its price on the market. It is necessary to know very well how much the finished product of your activity is really worth. It is important to take into account the fluctuations of the cost of labor on the market. The value of resources, raw materials or the efforts of workers can change dramatically in a couple of years.
Clarity and Clarity
The rich know what their production or other activity consists of. They have a list of everything that is included in the pricing of the finished product (or service provided). For example, the purchase of raw materials, supplies, equipment, tools, workers’ salaries. Do not forget about payments to suppliers, repayment of loans, tax duties.
All this and more should be taken into account in a business plan, which helps to take a great start in achieving your dreams. The rich concretize everywhere and everything – in negotiations, in drafting contract clauses, in organizing their operations. Anything that is unclear must be made clear!
Creativity, not intelligence
Representatives of the wealthy social stratum of the U.S. population are convinced that creativity, creativity is more important than a high level of intelligence in achieving financial success.
Among millionaires and billionaires there were 93% of such, and among the poor or people with a level of income below average – only 11%.
Creativity needs to be developed all the time. It is not enough to have a genius for originality and originality. That’s why it’s so important for the rich to have their own favorite occupation and to constantly develop themselves in every way.
Trainings, going to different seminars, conferences are the favorite activities of rich and wealthy people all over the world, not only in America. They believe that you have to improve not only your body, but also your soul and your moral image. If training is useful, then a rich person will definitely find time to go to it. After all, it is never too late to learn.
No fear of responsibility
Rich people know how to take responsibility, and are not afraid to take on difficult or risky cases. That is why they are comfortable taking loans in order to start a new enterprise. They are not afraid to take higher positions. They are able to take responsibility for other people’s money, other people, material values.
Helping Others Succeed Financially
Few rich people gloat when their colleagues fail. They all know the unspoken laws of justice. After all, everyone understands that there is no telling how things will work out for them. Successful entrepreneurs and businessmen like to help their colleagues to achieve financial success. This takes the form of material support (private loans at low interest rates), practical advice, connections, assistance with material or personnel resources.
The Value of New Acquaintances
Among the rich 68% truly value new contacts, acquaintances, and among the poor – only 11%. One thing all successful entrepreneurs learn right away is that acquaintances, connections, and relationships in general are extremely useful and necessary for business success. Time flows. People change, their professional growth, their connections and acquaintances change. You never know when and where this or that person will be useful to you. This is why the skill of liking new people is so valued among the rich. If you don’t have innate charm, you can always learn it.
Communicating with successful people
The importance of changing your surroundings are the first steps to beginning to form your own success. Negative energy comes from losers who are not going to change anything in their lives. It can greatly undermine the confidence and enthusiasm of those people who intend to reach the next level of financial achievement.
All rich people are well aware of this. That’s why they choose their friends so carefully and stay in contact with those who already have their own achievements or those who at least don’t get discouraged and live positively. In addition, spending more time with successful and influential people, you can learn a lot from them, make useful acquaintances and even find a solution to your problem.
Among the millionaires and billionaires are noticed to be highly organized and structured. They co-operate around a club, a closed community, an organization. Rich people attend meetings of charitable foundations, theme festivals and other events, where it is possible to revolve in a circle of their own kind.
Finding and not missing opportunities
The rich have so developed their attentiveness and the ability to “keep their noses to the wind” that they are always able to find great opportunities to develop their businesses. For example, W. Buffett is convinced that unique opportunities lie even in paradoxes – when large companies are experiencing economic difficulties, this is just the time for successful investments. It requires both courage and agility to make quick decisions.
For reference. Warren Buffett started his business by delivering newspapers and selling garbage bags.
To secure their capital against inflation all millionaires and billionaires constantly invest their money somewhere. For this purpose, they choose niche markets with low risks: precious metals, precious stones, real estate in promising developing regions, securities (stocks, bonds) of those companies that regularly pay dividends, pension funds.
Constant search of passive income
All rich businessmen never stop at the financial heights they have reached. They are in constant search of sources of regular passive income. That is why they rent out their mansions, estates, villas, offices, apartments, townhouses, expensive cars, yachts, private jets without fear or any shyness. These people are constantly using various financial tools to make more money with them.
How the habits of the rich differ from those of the poor
For comparison, here is a small statistic from 2009-2010, when the American publicist, Thomas Corley, conducted his own study on what habits of rich and poor people are most established in their daily lives.
The percentages between rich and poor people are presented according to categories: attitudes toward their own health, methods of raising children, self-organization, analytics and problem-setting, and, finally, habitual everyday actions.
The American writer compared what different thinking leads to, divided the rich into 2 categories: “adventurous” and “super economical. In his opinion, wealthy people had characteristic habits and ways of thinking from early childhood.
And this is what he got:
The poor like to feel sorry for themselves. The rich are not used to it.
The poor often do things they don’t like to do. Billionaires or millionaires always start businesses based on ideas or things they really like.
The poor often whine and socialize with similar whiners. The poor don’t allow themselves such actions. They see them as dangerous to the growth or retention of wealth.
The poor are more likely to be greedy. The rich are not as stingy as they may seem at first glance.
People with a low standard of living are convinced that accumulating wealth is a sin, that it is not good. The rich have no such false shame.
Poor people live with a “here and now” mindset, while rich people set their mentality on a distant future.
Poor people are very fond of borrowing. The rich will not borrow money until they have paid off a previous loan, if they have one at all.
Poor people don’t notice that they are living beyond their means. The rich know how to stop in time to avoid buying an extra watch, car, or gadget.
The poor person’s mind is fixated on money. The wealthy person’s mind is on the creative idea.
The poor person, first of all, will compare himself with others, hence he generates envy. The rich will first look at their own shortcomings.
The poor will spend too much time in idle amusement. The well-to-do will make the most of it all. Instead of meaningless chitchat on social networks, they are better off playing sports or hanging out with useful business people.
The poor are afraid of change, so they are indecisive. The rich are braver, they are not afraid of mistakes and are always ready to start over.
Another study was conducted by American scientists from Brown University – psychologists decided to study the topic “The habits of the poor and the rich. Fifty thousand families of different living standards took part in the experiment, which amounted to 150 people. The work lasted for five consecutive years.
First, experts studied the habits of poor people, their cravings, propensities, handling of money. Then they compared the attitude to money and their everyday life of rich people who achieved everything in life by their own efforts and intellect. It turned out that they either had no such habits at all, or actively got rid of them.
Attitude to one’s health
Good nutrition is not only a guarantee of health, but also of physical and mental activity. Everybody knows that if you overeat or eat too heavy food, after half an hour you already want to sleep. The body reacts instantly, realizing that it now needs to throw its energy resources into digesting what is put in the stomach, and not into the normal activities of human life.
But when food is balanced and easily digested, then after breakfast, lunch or dinner you don’t want to sleep and you want to do great things. This is why all rich people, knowing this simple rule, have reduced their consumption of meals from fast food restaurants to 300 kcal (or less) per day.
There are about 75 percent of them, according to Corley’s experiment. The poor, on the other hand, consume 300 kilocalories or more of fast food daily. The study found that all of the low-income subjects adhered to this type of diet.
Sports or the simplest exercise will get the blood flowing, eliminate stagnation in the joints, and make the muscles and skin more elastic. When the circulation is not impaired, the head is also excellent.
Such simple things are taken seriously by the rich. That’s why 76% of them run, swim, cycle, go to fitness clubs or gyms at least twice a week. Whereas the poor neglect this wisdom and find no correlation between excellent health and finding good ideas on how to get rich. That’s why only 23% of them engage in sports or physical exercise that keeps them in shape.
It’s important to think about mental health as well. More specifically, what your head and heart are thinking about the most. About 60% of financially wealthy people spend about an hour a day watching TV programs. Among the poor, who spend just as little time watching TV, just under 25 percent do. The rest sit down in front of the TV practically all evening, and even into the night (especially on weekends). Reality shows are watched by only 5% of the rich; among the poor, these types of programs are liked by about 75% of viewers.
The approach to good parenting
Seventy-four percent of wealthy parents teach their children how to become successful businessmen. They teach their sons and daughters different ways to make money, show them exactly where and when they can make money. And they also help them develop the same habits that once led to their financial success. Among the poor, only 1 percent of parents teach this.
Rich and wise parents let their children try to earn or work for free in practice so that young people understand where money comes from and get a feel for how it comes. So 70% of the time, children of rich Americans work 10 hours or more during the week. Whereas among poor children, only 3% participate in volunteering for 10 hours a week.
Among rich parents, 63% encourage their children to read at least two or more nonfiction books a month. The poor are not as fond of reading books, so among these adults we found only 3% of parents who enthuse their children about literature that is practical and relevant.
Getting it right
The simple tradition of making a schedule or plan of things to do for the day, week, month, is known to everyone, but little practiced by the masses. All the billionaires and millionaires have long ago accustomed themselves to, or even fell in love with this activity. Thus, of the rich Americans, 67% constantly write out their goals and objectives on paper, or record their decisions and ideas in an electronic book, computer, or other medium of digital information. Of poor U.S. citizens and even middle-income people, only 17% use this technique.
All the habits of millionaires are reduced to focusing on one thing. They do not splash their energy, jumping from idea to idea. After the survey, 80% of all wealthy people surveyed focus on only one goal, while 12% of those on lower incomes do so.
To always be an expert in their field, to keep up with innovations in a rapidly evolving world, wealthy people are convinced that it is necessary to learn constantly. Eighty-six percent of millionaires and only 5 percent of the poor surveyed believe this. Eighty-four percent of the wealthy firmly believe that having the right habits is essential to having a positive impact on their business.
Among the poor, only 4% do so. All 76% of wealthy Americans clearly understood that bad habits are a sure way to become cashless and destitute. People with a lower standard of living also understand this, but only 9% do so. The rich are always looking for mentors (93%) and the poor mistakenly believe there is nothing to teach them or that they already know everything.
The lifestyle of the rich is made up of habits to learn as much useful information as possible. These people do read a lot. And not necessarily only literature from the financial segment. Their preferences may vary. The main thing is that they always fuel their interest. So, attitudes toward reading in different categories of people:
A love of reading per se – 86% of the rich and 26% of the poor.
Likes to take time each day to read (30 minutes or more) – 88% of the rich and only 2% of the poor.
Mandatory listening to audiobooks on the go or in their spare time – 63% of the rich and only 5% of the poor.
Most of the affluent (81%) create a to-do list for each day. Among the poor, very few engage in this practice-just 9%. The affluent don’t have time to play computer games, surf social networks, or waste precious time watching TV. They would rather occupy themselves with a useful activity, a favorite hobby, read a book, or spend time with their family.
Thanks to these brief statistics, it is easy to conclude that the poor have little interest in anything, are fixated on their problems and do not want to expand their horizons. A good incentive to change your life for the better by starting to adjust your own habits.
The rich pay a lot of attention to public life, while the poor try to close themselves off in their domestic “shell. Billionaires and millionaires seek to help society and individuals in need. The poor concentrate only on their domestic problems; they take little interest in social problems.
All representatives of the society with a high level of welfare are convinced of one thing – it is necessary to learn to spend less money than you personally earn. This is the only way for a future successful entrepreneur to have some money left over that can be invested in a profitable enterprise.
The less well-to-do part of the population is convinced of the opposite – you have to work and earn more, and you don’t have to control your expenses. They do not even bother to set aside at least 1000 rubles every month to add them to the funded pension account.
Your key to success is the things you do all the time, your lifestyle and your constructive way of thinking. Financial success will not necessarily bring a killer job. Earning a lot doesn’t mean working 18 hours a day.
It means being able to save properly from what you already have. And also – competently build your business, business or other employment. There should be time not only for work, but also for analysis, reflection, rest, time with family, communication with friends and other people.
When everyday life, self-organization and financial habits have not had time to develop, but suddenly such people get a large fortune, they often quickly go bankrupt.
For example, a person has received a good inheritance, but is not prepared to use it wisely. Or a player has won a jackpot in a casino or lottery. In either case, spontaneous money brings confusion and uncertainty of reasoning. Hence, erroneous decision-making about how to dispose of the stolen wealth.
To adopt the habits of wealthy people, follow 20 simple rules:
Read more. Reading broadens the mind and generates productive ideas.
Exercise. Regular physical activity increases vitality, stimulates mental activity of the brain.
Reflect, analyze. You don’t have to think about money or how to make money. Daily half-hour or 15-minute stops in the rapid pace of everyday life help to find the right decision in this or that matter.
Go to bed early and get up before or with the sun. Scientists proved long ago that “owls” make little money, while “larks” do better.
Plan for a day, two, three, a week, a month, a year ahead. Even if a lot of external factors rush into life, destroying all of your plans, you can adjust them as events unfold.
Teach yourself to focus on solving just one problem. Finding only what’s important out of a whole pile of problems, prioritizing them is a real art. Even a poor person can do it. This approach will help to solve problems step by step, incrementally. Chaos leads to inattention.
Act decisively, do not put off “for later” those things that can be done today. This will help you believe that only on your efforts depends on the construction of your destiny and the growth of money in the purse.
Work only for yourself. That’s what most people want, but only a few have the courage to achieve it.
Change your mindset, your goal setting. Instead of constantly wanting to hurry up and get away from work, and solve everyday problems over the weekend, you need to think about the more global for yourself. For example, where would you like to be in 10 years, what environment you should have, in what you see your own development.
Be sure to find your favorite activity, and if possible, even more than one. All rich people have a hobby, hobby or a change of hobbies. You can get real satisfaction from the class, if it really likes you.
Don’t lose your positive attitude. And if you lose it, do your best to acquire it again. In times of failure millionaires do not give up, they continued to believe in success and moved forward, deciding how to bypass, bypass obstacles.
Eliminate the herd reflex. The rich don’t follow the opinion of the majority. Thinking outside the box and always knowing what you want from yourself is the key to success!
Don’t make excuses. If a rich person has made a mistake, they are more likely to learn a lesson from it than to make excuses. He who constantly makes excuses loses himself.
Take your time. Patience always helps to find the right solution.
Don’t be afraid to ask questions. Even if they are answered aggressively.
Never gamble. Gambling ruins all the useful potential and energy resource of a person.
Keep your emotions under control. Once you allow your emotions to control you, you do not cease to be able to make intelligent decisions. Especially, learn not to be influenced by all kinds of fears. This is a very strong and destructive emotion.
By engaging in voluntarism, you increase your bank of contacts.
Listen more, talk less. That way you won’t miss out and find a lot of useful and new things from other people.
Reconsider your surroundings. Avoid those who give you insecurity, provoke fears, pull you down.
Billionaires and millionaires make a financial plan for 10 years or more. And its implementation can also be affected by various factors: the fall or rise of the currency, rising or falling prices of resources (oil, gasoline, etc.), personal family problems, imbalances in the state economy and other negative phenomena.
Some of these can be foreseen, others cannot. They can hire a personal manager or accountant to help break down finances into income, expenses, and investments.
Over the past few years, statistics have shown roughly the same ratio of rich to poor people on the planet. Thus, half of the world’s wealth is accounted for by 1% of the world’s population. These are people whose behavior, business skills, earning habits, money saving experience and good habits have been developed since childhood.
Many of the billionaires started earning or volunteering as children.
The remaining 99% of the poor still continue to believe that it takes Lady Fortune or simple luck to be successful in entrepreneurship.
Habits and inclinations come in many forms. The good ones bring us closer to acquiring wealth; the bad ones put us further away. The mindset of the wealthy, aimed at solving problems of how to save money and make money, is an innate tendency in some people, while in others it has been developed over the years.
Discipline, frugality, unemotional sober calculation, planning, sociability with people, and goodwill are the main things to adhere to in order to increase one’s wealth, not blind luck.