The Fine Line Between Rich and Poor

Believe it or not, there are not that many things which separate the rich from the poor.

According to my Rich Habits research, the differences between those who grab life’s brass ring and everyone else, often comes down to just one or two daily habits. Black Shoes At The Crossroad Rich Or Poor

For Ben Carson, famed neurosurgeon and former Presidential candidate, there was only one habit that separated him from the rest of his peers in the ghetto — his daily Rich Habit of reading for self-improvement.

For Benjamin Franklin, one of our most famous founding fathers, there were three habit differences:

#1 Curiosity — His curiosity habit led him to the invention of bifocals, the lightening rod, the Franklin Stove, the public library, the first post office and the urinary catheter.

#2 Desire to Improve — Franklin identified 13 virtues he wanted to have.

He created a worksheet, listing each virtue, which he tried to transform into daily habits.

#3 Read to Learn — Franklin was a voracious daily reader.

His homes were jammed, floor to ceiling, with books had read.

For Arnold Schwarzenegger, his one big habit difference was Dream-Setting.

Arnold made a habit of pursuing his dreams.  


His first dream was to become the world’s #1 bodybuilder.

His second dream was to become a successful real estate investor.

Long before he became a Hollywood star, Arnold was already a multi-millionaire real estate investor.

This allowed him to pick and choose his acting gigs.

His third dream was to become a famous Hollywood actor.

He succeeded in becoming one of the highest paid actors in the world.

His fourth dream was to become the Governor of California.

Arnold forged the daily habit of pursuing each dream at a time and would not quit until he succeeded.

The lesson here is to focus on only one Rich Habit and then devote yourself to it for many years.

As my research shows, there are often only one or two habits rich people have and the poor don’t have.

And one habit can completely change your financial circumstances.


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Tom Corley


Tom is a CPA, CFP and heads one of the top financial firms in New Jersey. For 5 years, Tom observed and documented the daily activities of wealthy people and people living in poverty and his research he identified over 200 daily activities that separated the “haves” from the “have nots” which culminated in his #1 bestselling book, Rich Habits – The Daily Success Habits of Wealthy Individuals. Visit the website:

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