12 Micro Habits That Made Me Rich

Nobody Talks About This Secret — They Should!

About eight years ago, I discovered a secret: getting rich isn’t about waking up at 4 AM, taking ice baths, or journaling your intentions. It’s about small, consistent habits — ones that don’t feel like much at first but snowball into massive results over time.

These 12 micro habits didn’t just transform my finances — they changed my entire life. Let’s dive in.

1. Produce More, Consume Less

The average American spends 5 hours a day on their phone — that’s almost a full-time job. Even worse, doomscrolling negative news affects mental health and productivity.

I realized that every minute spent consuming someone else’s content was a minute I wasn’t building my future. So I flipped the script:

• I stopped scrolling and started creating — filming videos, writing posts, or brainstorming ideas.
• Set a "Create vs. Consume" goal — even 15 minutes a day on a project adds up.
• Audit your screen time monthly.

Small shifts in focus = huge changes in results.

2. Surround Yourself With The Right People

There’s a saying: “If you hang out with 5 broke friends, you’ll be the 6th.” That hit hard, when I realized I was around people who complained about money but never took action, so I made a tough choice:

• I distanced myself from negativity.
• I surrounded myself with people talking about investments, business, and growth.
• I joined communities and followed mentors online.

Your network = your net worth. The saying goes, “success leaves clues”, so choose wisely!

3. Network With Purpose

65% of new business deals come from referrals. So every month, I reach out to one new person — not asking for anything, just offering value.

Here’s how you can build meaningful connections:

• Share a useful tool or tip.
• Comment meaningfully on someone’s content.
• Support others before expecting anything in return.

The right relationships will open doors you never imagined, and open doors = opportunities.

4. Set Clear, Money-Focused Goals

People are 42% more likely to achieve their goals just by writing them down. But vague goals like “save money” don’t work. Set specific goals with numbers and deadlines.

Example: “Save $24,000 by Dec 2026.” Then break it down: $2,000 per month.

Clear goals = clear wins.

5. Audit Your Cash Flow

61% of Americans don’t track their money, and half live paycheck to paycheck. That’s terrifying. Every month, I review where every dollar went, breaking my spending into three buckets:

1. Essentials – rent, groceries, bills.
2. Lifestyle – dining out, entertainment.
3. Growth – investments, courses.

Knowing where your money actually goes puts you in the driver’s seat. And talking about the “driver’s seat,” car insurance has significantly increased over the past few years. Try my car insurance comparison tool.

If you don’t control your money, your money will control you.

6. Ask More Money Questions

56% of Americans rarely discuss finances. That’s crazy. I learned faster when I started openly discussing my own investing mistakes, budget wins, and money disagreements.

Let’s normalize money conversations:

• Ask people how they invest, save, or budget.
• Regularly talk about money with friends and family.
• Learn from others’ mistakes and wins.

The more we talk about money, the richer we get. In wealth and knowledge.

7. Pay Off Debt ASAP

Debt keeps people broke. The average American carries $6,800 in credit card debt — and that interest adds up fast. There are two ways to pay off debt:

1. Debt Avalanche – Pay off high-interest debt first to save the most money.
2. Debt Snowball – Pay off smallest debts first for quick wins.

Pick a method and start today. The sooner you’re debt-free, the sooner you can start investing and truly growing your wealth.

8. Automate Your Money Moves

"You don’t rise to your goals, you fall to your systems."

That’s why I automate two things:

• Saving – A fixed % of my income auto-transfers to my high-yield savings account.
• Investing – Every month, money flows into my brokerage account before I even see it.

This automation has removed temptation for me. Saving has become effortless because it’s all done behind the scenes.

9. Be Content With Living on Less

Some of my best childhood memories cost nothing — walks with my mom, trips to the library, simple family time. Money doesn’t buy happiness. That realization changed everything.

• I live well below my means, even as a millionaire.
• I focus on experiences, not material things.

True wealth isn’t about how much you have — it’s about needing less.

10. Invest in Your #1 Stock — YOURSELF

My first real investment wasn’t in stocks — it was in me.

Nowadays, I spend my money (and time) on:

• Books that expand my knowledge.
• Courses that sharpen my skills.
• Conferences where I meet mentors and grow my network.

There’s no ROI on self-investment — it’s priceless!

11. Stack Multiple Income Streams

A study by Tom Corley found that 65% of self-made millionaires have at least three income streams. That stat changed how I approached money and accelerated my need for multiple incomes. Here’s how I built mine:

1. Tutoring – My first side hustle.
2. Investing – Stocks and dividends.
3. YouTube & Meta bonuses – Passive income.
4. Affiliate marketing and sponsorships.

Start with one income stream — solidify the process — then stack more. Streams should be effortless, passive, and profitable.

12. Stay Consistent and Disciplined

Wealth isn’t about luck. It’s about consistently making the right choices. Even when you don’t feel motivated, it’s not exciting, or not showing immediate results.

If anyone says they have a get-rich-quick scheme, they’re lying. Play the long game.

Conclusion: Small Habits = Big Results

Getting rich isn’t about one big break — it’s about small habits done consistently.

Which of these 12 habits are you already doing? Which one do you need to start today?

✅ Check out my Insurance Comparison Tool  —  Click here

✅ Subscribe to my YouTube Channel for wealth-building tips  —  Click here

Take one habit today and give it a try. Tomorrow is another day and another opportunity to try a new habit.

- Steve