Millionaire habits : how to achieve financial independence, retire early, and make a difference by focusing on yourself first
(Book)

Introduction: We Retired in Our 30s in an Airstream RV How to Use This Book Part 1: The 10 Habits of Millionaires-The Wealth-building Timeline 1. Habit #1: Millionaires Say Yes 2. Habit #2: Millionaires Are Selfish Finances The Five Pillars of Financial Selfishness Health Physical Health Mental Health Work Compensation Work-life Balance Recognition 3. Habit #3: Millionaires Maximize Income Switch Companies Start a Side Hustle Ask for a Raise 4. Habit #4: Millionaires Pay Themselves First How Does Pay Yourself First Work? When Is Paying Yourself First Not a Good Idea? 5. Habit #5: Millionaires Automate Everything What Should You Automate? When Should Each Automation Happen? How to Set Up Financial Automation 6. Habit #6: Millionaires Invest (A Lot) Stocks Bonds Index Funds Targeted Retirement Funds Exchange-Traded Funds (ETFs) Mutual Funds Real Estate Traditional 401(k) Roth IRA Health Savings Accounts Cryptocurrencies Active vs. Passive Investing The "Passive-first" Investment Strategy Long-term Investing Makes Millionaires Why Dollar-cost Averaging Works Are Stocks Down? Don't Panic! 7. Habit #7: Millionaires Save for Emergencies How Much Should You Save? How to Set Up Your First Emergency Fund Step 1: Separate It Step 2: Make it a Priority Step 3: Use Automation to Make It Easy Where Should You Keep Your Emergency Savings What Is an Emergency? 8. Habit #8: Millionaires Create Their Own Luck Our Choices Compound How to Create Your Own Luck Adopt a Positive Mindset Take Calculated Risks Be Proactive Be Open-minded Visualize Your Success Work Hard Build a High-quality Network Ditch Your Comfort Zone Volunteer 9. Habit 9: Millionaires Control Their Spending Your Income Doesn't Equal Your Wealth The 5-Step Framework to Control Your Spending Step 1: Identify All Your Expenses Step 2: Decide on Expenses to Cut or Reduce Step 3: Create a Spending Plan Step 4: Track Your Expenses Step 5: Set Financial Goals The Difference between Cheap and Frugal The 72-hour Rule 10. Habit 10: Millionaires Stay Out Of [Bad] Debt The Two Types of Debt How to Get Out Of Debt The Debt Avalanche Method The Debt Snowball Method How to Stay Out of Debt Part 2: How to FIRE-What Is Financial Independence Retire Early? 11. The Simple Math Behind FIRE When Have You Achieved FIRE? You Can Fall Out of Financial Independence 12. Healthcare in Retirement Healthshares Traditional Health Care COBRA Medicaid No Health Insurance 13. The Different Flavors of FIRE TraditionalFIRE LeanFIRE FatFIRE CoastFIRE BaristaFIRE HybridFIRE 14. Debunking the Criticisms of FIRE 15. Why You Should Never Retire Early What Are You Retiring To? 16. What's Next? 17. Bonus Chapter: Why Credit Cards Are a Gold Mine Benefits of Using Credit Cards How Credit Cards Get Hacked How to Use Credit Cards Wisely 1: Use Credit Cards Only as a Convenience 2: Choose Credit Cards with the Best Perks 3: Pay Off the Card Every Month 18. Bonus Chapter: Why "Follow Your Passion" Is Bad Advice Problem: It Assumes That Our Passions Never Change Problem: It Makes It Seem like Jobs Should Be "fun" Problem: Full-time Jobs Destroy Passions Problem: Your Passions Are Not Always Your Strengths Problem: You Might Not Know Your Passion 19. Bonus Chapter: How to Talk to Your Spouse about Money Conclusion About the Author