Are you waking up 8 hours poorer?

For those who live beyond their means, every time you wake up you are 8 hours poorer. 43388369_ml

The interest on your mounting debt never sleeps.

It’s working while you are sleeping.

It keeps increasing as your debt increases.

Conversely, those who take control of their lives, who make a concerted  effort to spend less than they earn and invest their savings, wake up 8 hours richer.

The interest, dividends and gains on their investments are working overtime while they sleep.

It keeps increasing as your savings and investments increase.

Until you make a decision to live below your means, save and invest your savings, you will continue to drag yourself further and further into debt and poverty.

Unfortunately for most, when they go to sleep they wake up 8 hours poorer.


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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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