{Gifted} Millionaire Habits- Book Review

Money mindset work is something of an ongoing journey for me, and I am enjoying educating myself more on the topic of personal finance and financial independence.

With this in mind, I have recently finished reading Millionaire Habits by Steve Adcock. The aim of the book is to empower you to achieve financial freedom, financial independence, retire early and make a difference by focusing on yourself first. As someone who swears by daily habits, the layout of this book really stood out for me as it focuses on the habits that you need to adopt.


The content includes topics such as

  • Millionaires Say Yes
  • Physical Health
  • Start a Side Hustle
  • Emergency Funds
  • Visualize Your Success
  • Debt

I found Millionaire Habits extremely motivating from the very start, as money mindset is something that Steve covers straight away. Something which holds myself and many others back is the belief that we can’t be as successful as someone who has maybe inherited money or had a better start in life. However, it was refreshing to read Steve’s thoughts on this and his journey of becoming a millionaire, even though he had a learning disability which caused him to struggle in school.

The end of each chapter in Part 1 contains action steps in order to implement that chapter’s habits. Part 1 is all about the ten millionaire habits and the section which I found the most helpful. Part 2 is all about FIRE, Financial Independence Retire Early. I found this section interesting, but I think it’s something for me to come back to once its a bit more relevant for me.

A section which I enjoyed from Part 1 was on the topic of earning income through jobs and side-hustles. This was relevant reading for me due to me being self-employed, with no financial stability. It made me think about how I could use my skills to build more of an income.

Stage 5: Control lifestyle creep was an eye-opening read for me. As someone who spends a lot of time on social media, often comparing my home, clothes and possessions to others online, it was a good reminder that what you see online isn’t as clear-cut as it seems. So many people are hiding large amounts of debt.

If there was one section that I would recommend, it would be Habit #1 Millionaires Say Yes. I remember reading a quote once from Richard Branson which said “If somebody offers you an amazing opportunity, but you are not sure if you can do it, say yes- then learn how to do it later!

However, my limiting beliefs always held me back from doing this. When I started this book I told myself that I would take Steve’s tips and that quote and use it as motivation to say yes, and after finishing this book I said yes to talking on a wellbeing panel and yes to running a workshop for a mental health organisation. Steve’s advice that saying yes would help me to overcome my fears and insecurities (public speaking in my case) and expand my personal and professional network was something that I kept in mind.

I have found this book helpful and practical and I can’t wait to start implementing the tips in the FIRE section too.

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