How many of these 10 life changing habits are you doing?

Habits make or break us, we all have good ones and we all have bad ones. Our habits decide if we get up early for the gym, pack our lunch to save money (& eat healthier) or contribute towards a saving goal instead of mindlessly spending on Amazon.

Did you know habits take 21 days to form based on this study? Sometimes habits can take up to 66 days to feel "automatic." What that means is you CAN change your habits by identifying what you want to change and then implementing into your life. It will take time and won't happen overnight.

It's easy to get comfortable in our life, it takes effort to exit your comfort zone. With a conscious effort and goal in mind you can change your habits to meet your goals. Most of us think tend to think of our bad habits. Ones like stress eating, being unproductive after work, or smoking. But you have good habits as well, these would include exercising, waking up early, or saving for your future.

I've become obsessed with the habits that shape my life over the past two years. I started documenting what works, what doesn't and how I can tweak them to get closer to my goals. It started with my finance habits but also led to fitness, professional, and personal life. Eventually I had enough content to create my first book, "Advice For My Younger Self: Successful Habits for Health & Wealth."

Here are ten habits to help you accomplish your goals:

Money Habits

How you choose to be with your money will play a huge impact in all areas of your life. If you can be smart with your money you will live a better life with less stress. Notice I didn't say if you make $100,000 or $1 million per year you will live a better life. When people earn more they tend to raise their lifestyle (bigger house, new car, etc.) instead of save more. Of course earnings will factor in but if you can start these money habits on a $30,000 or $50,000 salary you will be able to continue when you earn more throughout your life.

Here are four money habits to help get you started:


Pay yourself first! If you're not enrolled in your employer's 401K (especially if they match a portion) you're missing out on thousands of dollars every year. 401K's are easy to setup (check it out here) and are automatically withdrawn every pay period. You can also make contributing to your emergency fund or IRA automatic by spending 15 minutes setting it up. Your "habit" is now automated and by paying yourself first. You will be rewarded later in life by spending a few minutes setting up automatic withdrawals to an emergency fund, 401K, IRA (or all of them).

Learn About Money

After reading a LOT of personal finance books a common theme is that successful individuals are always aware of their financial situation. They know how much they earn, how much they spend, set financial goals & continue to learn and educate themselves. Even if you're -$20,000 net worth from student loan debt it doesn't mean you get a free pass to not care about finances. Whether you're learning about your retirement options, tracking your net worth, or setting up a spending plan you need to create a habit of being aware of your financial situation.

I recommend tracking your accounts with Personal Capital to understand your entire financial situation. Spend 5-10 minutes a day checking out these sites or blogs, one new idea could change your financial situation!

Daily Websites
Business Insider
Rockstar Finance
Yahoo Finance

Blogs are another great way to learn more about finances (since you're reading this now). Here are some of my favorite that teach you how to grow your wealth, become financially savvy & or learn to start a side hustle to earn additional income:

I Will Teach You To Be Rich
Budgets Are Sexy
Making Sense of Cents
Smart Passive Income
Side Hustle Nation (average millionaire has 7 streams of income, how many do you have?)

Do you have other blogs you love? Share it in the comments so myself and our readers can all benefit!


Throughout the month, quarter, or year you should be constantly evaluating your investments. As the market shifts your investments will and percentages will change. For example say you're a 30 year old who invests 70% in stocks and 30% in bonds. But over the past quarter bonds have plummeted and stocks have went up in value so now its 80% stock & 20% bonds (you can easily see in this Personal Capital). To get back to where you want to be (70/30) you will need to sell a few stocks to add more money to bonds to keep your asset allocation ("risk tolerance") distributed correctly.

Stop Wasting Money

Online shopping makes it way to easy to waste money. Are we all going to have purchases we probably don't need? Yes, we're human but if it's over $10-$25 (depending on your income) wait a day or two before purchasing to see if you "really need it." If you decide you don't "need" the item instead put how much it would have cost into your savings or emergency fund. I guarantee you'll enjoy a great vacation (or even staycation) and the memories instead of another Amazon Prime box at your door.

Fitness Habits

Now that you've conquered your money habits, fitness is another big part of your life where your habits can help you reach your goals. Consistent exercise and eating well will make you feel better, look better, and think better (with the exception of cheat meals, usually Taco Bell).

Here are three habits to keep you motivated and stay on top of your health:

Establish a Routine

We've all heard the saying "Showing up is half the battle"...that goes for fitness and getting up (or going after work) to exercise. Find a time that works for your life. Personally I love exercising in the mornings and others will be better at night. Find what works best for you! To make sure you go plan it the day before by laying out clothes, waking up earlier (& not hitting snooze) and having a plan for your workout. Or if you go after work make sure to have your clothes packed and maybe a snack to avoid hanger & make sure you actually go after work.

Plan Workouts

Have you ever walked into the gym, had no idea if you were going to play basketball, hit the treadmill, row, or lift weights? Usually walking in oblivious leads to a half ass workout & browsing Instagram or Twitter longer than you are lifting. I know I've been there and it's frustrating, especially if you got up early for that kind of workout. Instead the night before plan when to leave, what workout you will do (cardio, weights, yoga etc.), what exercises you will do, and how long it will take to complete. This way you can be efficient with your time, crush your workout and feel like The Rock when it's over.


Some people like to cook, some people love to cook (& #foodporn on social media) and some can barely cook easy mac n cheese. Depending on the day I've been in all three categories. By learning how to cook you will save money, eat healthier, and usually feel better.

Here's a quick example on if you eat out lunches v. taking your own to work (5 days/week):

Preparing Lunches

$20 weekly (~$4/day)
$1,040 annually

Eating Out

$40 weekly (~$8/day) ($8 is basically fast food, restaurants are obviously a lot more)
$2,080 annually

Difference: $1,040

Could you use an extra $1,000 a year (minimum)? I realize it's nearly impossible to always cook and want to eat out with co-workers or friends, but it's good to see the comparison. Even cooking one or two days a week will save you hundreds of dollars each year.

Personal Habits

What other habits can impact your life for the better? I've adopted these three habits over the course of my 20's and have found myself more productive, less stressed, and appreciating life more than ever (which we all want right)? I didn't make these up myself, I simply followed what other successful individuals have done over the years and model around my own life.

Here's a few habits that can really improve your personal life to become more productive and crush your goals everyday. We all have the same 24 hours in the day, make the most of them!

Wake Up Earlier

I can hear everyone groaning now but try to find one successful person or CEO (usually pretty successful people) who sleeps in? Here are three CEO's morning routines:

-Tim Cook (CEO of Apple): Up at 4:30am and exercising by 5am.
-Howard Schultz (CEO of Starbucks): Up at 4:30am to exercise or bike ride with his wife. Although not as fair as he has an unlimited amount of caffeine.
-Robert Eger (CEO of Disney): Up at 4:30am reading, exercising, & working.

Notice a trend here (also check out the other 20 people in the full article here)? I'm not saying you have to start getting up at 430am everyday BUT if you wake up at 7am now, try to get to 6:30am next month. Then 615am the following month. I use to be 630am a few years ago but now I'm in the 430-5am range. You will be amazed with how much more you can accomplish by waking up earlier.

Remember it doesn't happen overnight. With any habit make it slow and steady so you will be more likely to succeed. Eventually you'll find a routine and be able to be to start your day on your terms. Weather you have more time to make a healthy breakfast, read a book or hang out with your dog before going to work. Gone will be the days of waking up late after hitting snooze three times, grabbing a pop-tart, and rushing out the door to start your day flustered and unprepared. Sadly, the days of college are over. Who's been there in the real world? It's never fun starting your day like that.


It's almost hard to write this section after being so obsessed with TV a few years ago. Between NFL, NBA, Golf, HBO GO and Netflix I always found something I'd rather watch than reading a book. As much as I love TV I felt I could be learning more and not be sitting around every night after work...I learned sometimes it's okay to cheat on Netflix with a book. Instead of binge watching another new show spend a half hour or hour reading a book (& then you can watch it). Or you might find the topic interesting and keep learning.

Find some topics you like or are passionate about and go from there.. for me it was personal finance. I've read a lot of personal finance books and understand why people aren't initially interested, some are boring & outdated. The ones below made me start Super Millennial, are easy/entertaining & can be applied in your life.

Before and after reading these I always think, why is this not taught (and/or emphasized) in high school & college? Instead we get classes like mythology, anthropology, and biz calculus (still waiting on when I'll need those in my career). Here are the five most impactful personal finance books I've read & highly recommend to any person who wants to understand their money & setup a great financial future:

I Will Teach You to be Rich
Why Didn't They Teach Me This in School?
The Millionaire Next Door
Money: Master The Game
Think and Grow Rich

Appreciate Life

This may sound lame (old me would agree) but most of us have it really good, especially if you live in the US. According to a Pew Research Center Study 70% of the world lives on less than $10/day, 15% of that at $2/ it's hard when you hear people complain about being "so stressed" about their office job or how traffic ruined their day. If you live in the US and are middle income (95%) or above you're still living a fantastic life compared to the rest of the world, so make sure to appreciate it.

Unfortunately a lot of time we are "busy" on our phones/email/social media instead of looking up, talking to people and appreciating everything going on in life. We often think if get "more" of anything we'll be happier, usually its not the case. I've met people who aren't rich and live a great life because they appreciate it. As Tony Robbins said at a seminar I attended "There is nothing worse than a rich person who is always mad."

Take 5-10 minutes daily or weekly and get in the habit of appreciating your life.

Appreciate your family, your friends, your partner and the thousands of other things going right in your life. We're all human and bad shit happens, it's part of life. If you schedule out some time daily or weekly to reflect and think about a few good things in your life I promise you'll live a more fulfilled life.

What are some other habits that have impacted your life? To learn the others I have used to shape my life buy my book on Amazon here. Ones that've added value or bad ones you've dropped, let me know in the comments!

The post How Many of These 10 Life Changing Habits Are You Doing? appeared first on Super Millennial.

RELATED: Myth #5 is super common

5 financial myths that just aren't true
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5 financial myths that just aren't true
#1. "Home are great investments"
"If you're young and are burdened by debt, renting is probably the better bet for you. There's nothing wrong with renting either! Buying a house means putting a LOT of cash down and taking on a mortgage. Mortgages aren't exactly flexible. Then you've got to worry about monthly maintenance, taxes, insurance, etc. Owning a house is expensive, illiquid, and not something you should consider until you are REALLY REALLY REALLY ready." -The Funny Financial Planner
#2. "Investing is only for the wealthy"
"Wrong. Wrong. Wrong. This one just downright annoys me. Maybe you were conditioned to believe this? I'm here to tell you it is a MYTH! Investing is not as complicated as you might think. Sure, there's a learning curve, but with a little help and research you can begin. Maybe you've already begun? Do you have a retirement plan (401k or IRA?), then congratulations, you're already an investor. And guess what?! You don't need $100,000 to start." -The Funny Financial Planner
#3. "A will guarantees your assets will be distributed how you want"
"This is a myth my friends. In fact, if the beneficiaries named in your retirement plans (401k, IRA, Roth IRA, etc.) are different than those you've named in your will...the assets go to the beneficiaries on the retirement accounts and NOT those named in your will. Make sure your will and the beneficiaries you've named on the accounts are in agreement." -The Funny Financial Planner
#4. "I don't want to invest now... I'm trying to time the market"
"'Timing the market' means you think you can figure out the best times to buy low and sell high. Well here's a quote from famed investor Peter Lynch, "I can't recall ever once having seen the name of a market timer on Forbes' annual list of the richest people in the world. If it were truly possible to predict corrections, you'd think somebody would've made billions by doing it." That's all you need to know. It's just not possible. It's best to get in as soon as possible and have a solid, long-term, passive plan, with proper diversification." -The Funny Financial Planner
#5. "I'm too young to worry about retirement"
"Nonsense!!! Time is the best tool you have to build wealth. The longer you wait, the less money you're going to have at retirement. Even if you think it's a long way off and you don't have the money to start now, begin anyway. Do what you can. It will make a HUGE difference in the end. Time coupled with compound interest is pure magic my friends. (Click on the words "compound interest" to see Investopedia's explanation). It's truly the eighth wonder of the world." -The Funny Financial Planner

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