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    Home»Millionaire Habits»The Road To $1,000,000
    Millionaire Habits

    The Road To $1,000,000

    Steve AdcockBy Steve AdcockSeptember 16, 2023Updated:September 21, 20233 Mins Read
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    The Road To $1,000,000
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    One of the questions I get asked a lot is what I’d do differently if I had to start over from scratch. Like, ground zero.

    I’m an 18-year-old kid who just graduated high school.

    I have the whole world in front of me. Every option is on the table.

    And I want to be a millionaire by 35. That’s the goal.

    Knowing what I know now (that’s a lot of “knows…”), here’s exactly what I would do if I were starting over and wanted $1M by 35.

    Let’s go!

    The Road to $1,000,000 by 35

    Here’s exactly what I would do if I were starting over today.

    1: Get a degree. Match strengths with the highest-paying career field and go after it. No liberal arts B.S. Go to college to earn, not learn.

    2: Switch companies every 4 years. Easy money. Here’s how.

    3: Marry right. There’s no reward for marrying early. But, there’s a HUGE punishment for marrying wrong. Don’t rush, marry right.

    4: Say “yes” to everything. In over your head? Who cares. Figure it out. Riches come to those who say yes to opportunities.

    5: Cut losers. If they’re not in to win, they’re out.

    6: Heavily use credit cards (and pay them off every month). Hello, travel points, cash-back rewards, and an 800 credit score. Good credit saves you money and gives you better rates on biz loans.

    7: Start AT LEAST three businesses. The wealthiest people start their own companies. If one fails, start another.

    8: Ignore haters. When you don’t act like a normal person, normal people will criticize you. That’s okay. It means you’re doing it right.

    9: Invest at least 25% of your income. If your expenses are too high, CUT THEM. Investing is more important than your BMW.

    10: Show up every day. Be the first one in the office. Stop taking sick days because you want to go shopping. That won’t get you rich.

    11: Shut off the damn news. The news is bullshit. It will make you afraid and scared people 100% have compromised emotional intelligence.

    12: Automate everything. 401(k)s. Brokerage accounts. Bill pay. Everything is on auto-pilot. Automatic wealth. How it works.

    13: Index and chill. Don’t day trade. 5% max in individual stocks. There’s a reason why index funds outperform most other assets.

    14: NEVER keep up with the Joneses. They’re broke.

    15: Learn from millionaires. Make friends with them. Ask them questions. They are the best teachers.

    16: Stop sucking. Put in the work to be better. Lazy is average. Average is how you stay poor. Raise your standards and exceed them.

    17: Stop being easily offended. If it’s easy to offend you, you’ll never get rich (unless you’re a highly-paid political pundent).

    18: Wait to have kids. Controversial, but it works. Kids are expensive. If your priority is $1M by 35, no kids will make it 1000x easier.

    There ya have it. $1,000,000 by 35 by shutting out the distractions and focusing entirely on building wealth quickly. Then, you can coast all the way to traditional retirement at 65 living a stress-free life.

    This is what my wife and I did, and it worked.

    Chat next week!

    – Steve

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    Steve Adcock
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    Steve Adcock quit his job after achieving financial independence at 35 and writes about the habits millionaires use to build wealth and get into the best shape of their lives. As a regular contributor to The Ladders, CBS MarketWatch, and CNBC, Steve maintains a rare and exclusive voice as a career expert, consistently offering actionable counseling to thousands of readers who want to level up their lives, careers, and freedom. Steve lives in a 100% off-grid solar home in the middle of the Arizona desert and writes on his own website at MillionaireHabits.us.

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