Wealth Habits

You don’t have to be educated or connected to be wealthy How do wealthy people do it? Are they geniuses? Lucky? We tend to think something special must be going on because it looks like magic. But nothing could be further from the truth. Wealthy people have simply adopted six key, yet ordinary, habits … and they do them extraordinarily well. Candy Valentino opened her first brick-and-mortar store at 19—no college, no connections, no money—and built it into a seven-figure business before most of her friends graduated college. Over two decades of success as a serial entrepreneur and real estate investor, she has labored relentlessly to crack the code of the super-wealthy, and in doing so, has unearthed six simple habits that directly contribute to those who become part of the self-made millionaire class. In Wealth Habits, Valentino reveals all six habits, and shows you how you can put them to work for you: Long-term investing strategies How to recession-proof your business Ways to keep money out of the IRS’ hands What to teach your children about money How to establish financial protection and security The secrets to keep more of the money you make (so you can invest more) “Think and get rich” will only get you so far. It’s time to do and become wealthy… and set yourself up for a lifetime of true financial freedom.

Introduction ix Wealth Habit 1 Growing Your Way to Wealth 1 1 How the BS You Hear Could Be Keeping You Broke 3 2 Four Common Beliefs Keeping You Broke 9 3 Seven Core Commitments to Make to Yourself 19 Wealth Habit 2 Learning Your Way to Wealth 33 4 The Compounding Dividends of Self-Education 35 5 The Four Crucial Lessons We Didn’t Learn in School 49 Wealth Habit 3 Earning Your Way to Wealth 59 6 The Secrets to Building Multiple Streams of Income 61 7 The Three Reasons Why Owning a Business Is a Powerful Wealth-Builder 75 8 Calling Out the BS in Business—and How to Avoid It 81 9 Yes, You Can Start a Business—Here’s How 95 10 Real-World Business Lessons on Revenue Growth 103 11 Become the Ritz-Carlton of Your Industry and Create Cult-Like Customers 113 Wealth Habit 4 Saving Your Way to Wealth 119 12 It’s Not How Much You Earn, It’s How Much You Keep: How to Give as Little Money as Legally Possible to the IRS 121 13 Three Secret Tax Strategies That Sound Illegal (But Are Actually Totally Legal!) 139 14 Trusts Aren’t Just for the Rich Kids Anymore 151 15 The Brinks Truck of Your Finances—Security and Protection 157 16 Give Yourself the Opportunity to Retire Early—and Rich 169 Wealth Habit 5 Investing Your Way to Wealth 175 17 Real Estate Investing: The Hat Trick of Building Wealth 177 18 Recession-Proof Your Finances—and Your Life 197 Wealth Habit 6 Giving Your Way to Wealth 205 19 Contribution: Where True Wealth Lies 207 Resources and References 219 Acknowledgments 225 About the Author 227 Index 229