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25 Habit That Makes You Rich

"25 Habits That Make You Rich." by Samir Machawe

Wealth-building advice is everywhere, but 25 Habits That Make You Rich by Samir Machawe takes a refreshingly practical, no-frills approach. 

Machawe, a seasoned financial expert with over 22 years in the industry, brings insights not only about money but about developing a mindset for sustainable financial growth. Knowing his depth of experience intrigued me right away—he’s someone who’s truly walked the talk.

The book outlines 25 habits that aim to help readers build a solid financial foundation and achieve wealth. 

Machawe’s focus isn’t on “get rich quick” tips, but on creating a disciplined approach to money, offering practical advice on budgeting, investing, and establishing multiple income streams. What makes this stand out is Machawe’s emphasis on psychology and behavior around money, showing readers that wealth is as much about mindset as it is about numbers.

Machawe’s writing is approachable, straightforward, and grounded in real-world experience. 

Here are the 25 habits that can help you achieve financial success, as outlined by Samir Machawe:

1. Start saving early: Develop a habit of saving a portion of your income from an early age.

2. Invest wisely: Invest your money in assets that have a high potential for growth.

3. Live below your means: Avoid overspending and live within your means.

4. Develop multiple income streams: Diversify your income streams to reduce financial risk.

5. Minimize debt: Work towards becoming debt-free by paying off high-interest loans and credit cards.

6. Build an emergency fund: Save 3-6 months' worth of expenses in an easily accessible savings account.

7. Cultivate financial literacy: Continuously educate yourself on personal finance, investing, and wealth-building strategies.

8. Avoid procrastination: Take action towards your financial goals without delaying.

9. Set clear financial goals: Define specific, measurable, achievable, relevant, and time-bound (SMART) financial objectives.

10. Prioritize needs over wants: Distinguish between essential expenses and discretionary spending.

11. Develop a long-term perspective: Focus on long-term financial growth rather than short-term gains.

12. Diversify your investments: Spread your investments across different asset classes to minimize risk.

13. Monitor and adjust: Regularly review your financial progress and adjust your strategies as needed.

14. Avoid lifestyle inflation: Avoid increasing your spending as your income rises.

15. Build multiple sources of passive income: Create streams of income that can generate wealth without requiring direct involvement.

16. Stay disciplined and patient: Wealth creation often requires discipline, patience, and perseverance.

17. Leverage technology: Utilize digital tools and platforms to streamline your finances, investments, and wealth-building strategies.

18. Develop a wealth mindset: Cultivate a mindset that supports wealth creation, such as a growth mindset, resilience, and adaptability.

19. Build a support network: Surround yourself with people who support and encourage your financial goals.

20. Stay informed but avoid emotional decisions: Stay up-to-date with market news and trends, but avoid making impulsive financial decisions based on emotions.

21. Prioritize financial independence: Focus on achieving financial independence, where your wealth generates enough income to cover your living expenses.

22. Develop a tax-efficient strategy: Optimize your tax strategy to minimize tax liabilities and maximize after-tax returns.

23. Build an estate plan: Create a comprehensive estate plan, including a will, trusts, and beneficiary designations.

24. Prioritize insurance and risk management: Ensure you have adequate insurance coverage and a risk management strategy to protect your wealth.

25. Stay humble and grounded: Maintain a humble and grounded attitude towards wealth, recognizing that true wealth goes beyond financial riches.

By incorporating these 25 habits into your daily life, you'll be well on your way to achieving financial success and building lasting wealth.

Overall, 25 Habits That Make You Rich is an empowering guide for anyone looking to break down the basics of wealth-building and create habits that can change their financial future. I’d recommend it especially to those just starting out, as Machawe’s advice is both accessible and inspiring. 

For anyone ready to take control of their financial habits, this book is a valuable addition to your bookshelf

Family Day Hujung Tahun

 Assalamualaikum wbt..

Baiklah kita dah nak sampai ke penghujung tahun 2024..

jadi macam biasa tahun ni family day belah aku pulak..

tempat yang di tuju kali ini adalah Bandar taiping, perak...

Day 1

22/12/2024

Ahad

Pada hari tu..

aku gerak lewat sikit sebab kena ambik kereta dulu di IM 15 Astana permai..

Pukul 9 pagi baru gerak dari rumah..

sampai kuantan.. 

masuk bandar dulu..

ingat nak gi kedai hari-hari..

Spender abg ngah dah takde..

tapi kedai belum buka lagi..

jadinya terpaksa ke Im 15 awal sikit untuk ambil kereta..

pastu pulak,  terawal sangat sampai baru kul 9.45..

janjinya kul 10 pagi..

takpelah, bagitau je dah sampai..

dia bagi je ambik kereta awal sikit...

Kali ni sewa Vellfire dengan member kak za...

sehari RM450 bolehlah ambik 4 hari RM1800.00

tak boleh diskaun dah tu..

Siap ambil kereta terus isi minyak full tank..

Rm101.00

Boleh la tu..

Terus shot ke kedai hari hari cari spender abg ngah..

pastu pecut ke Taipinig..

kali ni kasi laju sikit,,

Aku pecut 140-160 Km/H

Tak sedar main tekan aje..

Singgah RnR temerloh jap...

Sampai batang kali dalam kul 1.00pm..

makan kat kedai nasi gambus ori selayang kat situ..

Siap makan terus cari surau untuk solat jamak taqdim..

pastu terus shot ke taiping ikut highway plus.. 

sampai kat sebelum terowong menora tu jalan tiba-tiba jammed..

stuck terus tak bergerak..

puas tunggu lama dalam kereta aku pun keluar..

tak tau kenapa sekat lama sangat...

pastu aku try google FB highway utara selatan..

Nah tudia.. 

ada lori treler melintang kat depan terowong menora..

Jenuh aku menunggu hampir sejam setengah..

baru dapat lalu...

dah kat maghrib..

Diorang dah lama sampai homestay..

Siap boleh gerak je aku pun terus ke arah homestay di taiping..

diorang bagitau nak keluar..

aku pun gerak jelah ke homestay..

Rupanya masing2 dah menunggu depan rumah nak tengok kereta baru (konon2)...

Semua pakat bersorak...

hehehe.. tak tau lagi masa tu kereta sewa aje....

Pas siap bersalam terus gerak makan kat food court di taiping..

pekena pasembuq..

Malam tu lepak2 dan borak2 je.. kul 1 pagi baru tidur....

Day 2

23/12/2024

Isnin

Pagi tu ingat nak keluar awal tapi ramai yang lambat bangun jadinya..

Tapau jelah nasi lemak kat kedai depan rumah..

Masing2 nak merasa naik Vellfire..

Pakat naik ramai2 pastu komenlah sikit sorang..

Rata2 puas hati lah..

Tapi seeloknya sewa aje dah memadai...

Komen mereka..

Siap beli nasi lemak..

makan2 pagi..

bebudak pun dah ready..

terus keluar ke area luar taiping..

pergi ke tasik raban..

Area sauk dekat dengan kuala kangsar...

Lepak2 tengok pemandangan tasik Raban...

pastu makan tengahari terus kat situ..

Siap makan terus jalan ke batu kurau cari durian...

Jauh jugak dari tasik raban ke batu kurau..

petang dalam kul 6 baru sampai ke batu kurau..

Terus singgah kebun orang jual durian..

Harga pun cun Rm8 sekilo..

Puas makan..

lajak depan sikit,,

ada tempat campsite..

lata sempeneh...

air jerneh boleh mandi..

cuma tak sempatlah nak mandi..

kitorang cuma turun basahkan kaki je...

siap dalm kul 650 macam tu kitorang gerak balik ke taiping..

singgah tapau makan malam pastu balik rumah..

kul 9 malam tu keluar ke zoo taiping..

kul 11 malam baru kirorang balik ke rumah..

kul 1230 baru tido.

Day 3

24/12/2024

Selasa

Bangun pagi tu agak lewat dalm kul 830 baru sedar..

siap2 diorang ajak gi makan kat ruma changkat..

ehsan zainal yang punya..

aku follow dia ni kat FB...

okay jugaklah makan kat sini..

pas siap makan terus kemas2 nak balik rumah..

kul 1200 kitorang checkout..

gerak balik ikut KL..

singgah ke rumah naza di rawang...

jumpa jap beli barang2..

hulur sikit..

kul 900 baru sampai ke sepang..

Day 4

25/12/2024

Rabu

pagi tu ingat nak ke the luge main adventure skill..

tapi hujan dan cuaca tak elok..

pergilah ke jeti yang menghubungkan antara selangor dan N9..

mencabar jalan off road..

dahla naik vellfire..

memang lucu ikut india yan tunjuk jalan..

sampai kat situ nampaklah bot penumpang yang bawak motor ke seberang..

kitoran cubalah naik jugak pergi ulang alik..

pastu lepak kat sebelah di jeti LIM..

tempat orang mancing...

Dah siap lepak situ patah balik semula..

terus menghala ke sepang..

singgah di muzium automobil..

kat sepang circuit F1..

okay jugakah tapi kecil je..

tak banyak menda pun kat situ...

siap bergambar..

ingat nak ke mitsui mall..

tapi jemmed gila mungkin sebab krismas..

takde parking..

pusing balik..

singgah petronas..

amy pun dah nak balik batu pahat..

bersalaman sebelum amy balik...

kitorang terus menghala ke kedai ayam breastboard chicken.. al baik..

makan2 ayam goreng kat situ jap..

terus siap2 nak balik rumah..

sampai rumah malam tu leih kurang ku 12 malam..

esoknya pagi2..

basuh vellfire terus hantar ke astana permai IM15

Sekianlah cerita berjalan penghujung tahun 2024..