I've been fortunate to meet a lot of highly successful people.
And what I've found is that most didn't have their wealth handed to them.
They're hardworking individuals whose commitment and determination has resulted in an amazing life.
Their millions of dollars are a byproduct of hard work and thinking it through.
Yes, they are ungodly wealthy, but their wealth accumulated because they were driven, focused, and stuck to their core values.
The way these financial success stories live their lives is enviable.
But underneath the wealth and luxury are principles anyone can apply as they strive for the same level of achievement.
Being a super-rich person is a lifestyle—and it includes personal habits designed to keep building wealth.
I've noticed most financially successful individuals also share a special mindset.
Their mentality is one of a player, not a spectator.
When it's time to make financial decisions they base them off these habits and ways of thinking.
Successful people put their money to work for them, rather than the other way around.
I've carefully observed the most successful people I know and created a list of strengths and characteristics most of them share.
I admire my super-successful friends, not just because of their achievements, but also because of their work ethic, ability to take calculated risks, and creative thinking.
I've tried to learn from their successes and apply the tactics I've observed in these high achievers to my own life and career.
Applying the habits, mentality, and decision-making strategies used by them has been a key to my own success over an 18-year period in business.
But don't let it get you down if you haven't achieved the status of the super-wealthy yet.
The problem is, no one taught you how to act, think, and make decisions like they do.
When you're caught up in your own problems, it's easy to miss seeing the big picture.
Without examples of success and the kind of role models I've been lucky enough to meet, it's hard to know where you're going wrong and how to fix it.
CreditLoan is the brand that offers the most valuable, detailed content online for financial consumers along with the tools they need to build a better financial life.
I've listed everything I've learned from the people I've met who are wildly successful, including their habits, mindset, and financial decision-making strategies.
By the end of this article, you should be able to start thinking, acting, and making financial decisions just like they do.
Personal Habits of the Super-Wealthy
When you observe people who have a lot of money, you realize there are some personal habits they all share.
It's not a coincidence—these everyday behaviors support success.
If you start to follow them yourself, you'll be paving the way to achieving your own personal fortune.
Financially successful people prefer being awake to being asleep
The early bird gets the worm. High achievers don't waste their lives sleeping.
A normal night's sleep for financially successful people is six hours.
Almost all the wealthiest billionaires are up at the crack of dawn.
They let everyone else sleep while they're working hard to make their next move.
Financially successful people prefer to be educated rather than entertained
Turn off the TV.People who have achieved a lot and became wealthy didn't do it by spending their time sitting in front of a television screen.
The latest celebrity gossip or reality show is not something they would waste their time, attention, or energy caring about.
You'll find them in their library. Rather than spending hours in front of a flat-screen TV, a highly successful person will read a book.
The book will probably have something to do with an upcoming opportunity they'd like to know more about.
Self-care is a habit financially successful people share
People with a lot of money do a good job using their resources to take care of themselves.
Oprah Winfrey, for example, practices transcendental meditation.
Twice a day, for 20 minutes, she sits alone in stillness.
She says her best, most creative ideas come to her when she is meditating.
There are a few self-care tactics you can apply to your everyday routine.
You are what you eat.A high financial achiever won't be found waiting in line in the fast food drive-thru.
Even though these hardworking individuals spend a vast amount of time on their business, they still make sure to eat a healthy diet.
Good food has multiple benefits.For the super-rich, the result of eating well is better physical and mental health.
Taking time to enjoy food with their family also has a positive impact on their relationships.
A focus on family is key. My family is everything to me, and I wouldn't trade my relationships with my wife and kids for all the money in the world.
The thing is, super-wealthy people I know use their money to enhance their family relationships.
Flying on a private jet might seem like a luxury, but the fact is most successful people don't choose them as an indulgence.
High achievers take private jets for the convenience.
The extra time and lack of stress they get when they choose to travel this way provide them the energy they need to stay engaged with family and work.
Tony Robbins says his private jet is the one thing he bought to make his life easier.
A person like him has so many things going on that making a decision like buying a private jet isn't for luxury or status.
It's for saving his precious time and energy.
The super-wealthy have a unique mindset for success
Being successful with money is a state of mind.
There's a mentality shared among every wealthy person I've ever known.
It's a way of thinking towards success.
If you think like a successful person, you'll be a successful person.
Successful people share a positive mentality
When I get the chance to spend time with people who are highly successful, what I appreciate most is their positive attitude and "can-do" state of mind.
If you can adopt the same style of optimistic, forward-focused thinking, you'll be in the right state of mind to achieve your own success.
Think in terms of abundance, not scarcity
The glass isn't just half full, it's overflowing. For financially successful people, thoughts are always focused on building more and more on their existing success.
Living in fear of losing it all is the opposite of this mindset.
Thinking in terms of abundance means you expect to make more money—the only question is how much.
Take Elon Musk, for example.
Most people would settle down after creating a company and selling it for $1.5 billion (which is what Musk did with PayPal).
He took his $1.5 billion and invested in his new ventures Tesla Motors and Space X.
Today he's worth $20.8 billion.
For the upper-upper class, there's no compromise. Wealthy people don't think in terms of "either/or."
Their positive mentality wouldn't allow them to choose between "either life or work," or "either family or career."
Compromise isn't acceptable in the life of a person with the wealthy mindset.
They create solutions and habits for themselves that allow them to have it all.
During his presidency, Barack Obama considered 6:30 pm to be his most important appointment: dinner with his family.
Dallas Mavericks owner (and Shark Tank co-host) Mark Cuban sets his weekends aside to spend with his wife and family.
Driven, committed, and hardworking
Highly successful people focus their energy on doing what it takes to take their achievement to the next level.
What I like about this particular quality is that anyone can apply it.
Whether you're part of the 1% or the 99%, there's always a higher level to strive for.
Personal achievement is a top priority. It's still possible to help make the world a better place, but in order to help other people, you need to succeed yourself.
It's a strength, not a weakness. Focusing on your self interests is not a vice or negative characteristic.
It's the kind of empowered thinking you need to achieve financial success.
People who have achieved a lot of wealth love a challenge
Super-successful people don't shy away from challenges, they embrace them.
Their creativity and ability to take a situation and turn it into their advantage is often at the heart of their accomplishments.
Take, for example, the founder of IKEA, Ingvar Kamprad.
One day, he was visiting a sawmill and noticed a lot of off-cuts were being discarded.
He discovered some cuts were of a regular shape, so he started making furniture with them and sold them cheap.
He took the challenge of a waste product and used his entrepreneurial mind to turn it into a multi-billion dollar, affordable furniture empire.
Calculated risks. If there's no risk, there's usually no reward.
People who have a lot of money often took a risk to achieve their fortune.
They aren't foolhardy risk-takers.
They've calculated the potential costs and benefits of a decision.
The choice is made to take on a certain amount of risk in order to potentially make a big profit.
For example, taking on some debt in order to create income opportunities is acceptable if the risk is manageable and the reward is big.
Fresh from college, I worked hard to make ends meet and support my family.
Given how hot the real estate market was at the time, we were moving every two years, pretty much circumnavigating the Tampa Bay area by 2010.
If I wasn't taking out a home equity loan to get CreditLoan.com off the ground, I was using every personal credit resource I had to pay for business needs.
Future thinkers. High financial achievers are always thinking about the future.
Their positive, forward-thinking mental focus is on the next 5, 10, and 15 years from now.
They play the long game while a lot of us get bogged down in the present and short-term.
The Art of Financial Decision-Making
The highly successful people I've known and learned about make financial decision-making an art form.
Think of Warren Buffett, "The Oracle of Omaha." His company, Berkshire Hathaway, started out as a textile manufacturing firm.
First, Buffet made the decision to turn the company's focus away from textiles to insurance.
Then he led the company to strategically purchase stakes in countless companies which he predicted would increase in value.
Now Berkshire Hathaway is one of the biggest holding companies in the world, with over $700 billion in assets.
Financially successful people put their money to work for them
High-net-worth individuals don't let their money sit around gathering dust in a savings account.
Use money to earn more money. They manage their finances across a diverse portfolio.
Most of the revenue they earn is put right back into investments in their business as well as securities like stocks and bonds, mutual funds, and hedge funds.
Super-wealthy people earn rather than save
Financially successful individuals know their time and energy is precious, so they don't spend a lot of it trying to figure out how to save a little bit of money here and there.
A penny saved could be an opportunity lost. While a lot of us are trying to figure out how to save on our tight budgets, they are focused on spending money to earn big profits.
Financially successful people leverage credit to finance money-making
Wealthy people won't open up a credit card or take out a personal loan just to buy something on their wish list.
Credit is a tool. They do, however, use credit as a tool to earn more money.
Take the story of Paul Mitchell, the namesake of the Paul Mitchell Hair Care line.
He started with a personal loan of just $750.
He sold his shampoo to salons out of the trunk of his car.
Now his company has annual sales of more than $800 million.
Even though successful people are rich, they still borrow to inject cash into investments designed to make much more money than the original borrowed amount.
Their money attracts other people's money
Another big insight I've found about financially successful people is that it's not always their own money they're playing with.
Success is contagious. Rather than having to personally finance every opportunity coming their way, they have the ability to inspire other investors to get on board.
It's like a chess game. If a financially successful person is approached to invest $10 million in a real estate development, they don't look at their savings account to see if they have $10 million available.
First, they'll look to their network and inspire five other wealthy people to get on board for $1 million each.
Then they'll take that $5 million and leverage it to borrow another $5 million from a financer.
Nothing actually came out of their pocket. The wealthy individual used their influence to secure a multi-million-dollar investment from other parties.
Even though they didn't use any of their own money, they will earn half of the profits from the deal.
Think, act, and make decisions like a wealthy person and you could be one someday
The super-wealthy people I've met are all players in the game of life.
They aren't spectators.
Their focus is on action and making things happen.
People who achieve great wealth don't wait around for someone else to do something for them.
They believe they are responsible for their own fate—and they are.
Time and time again I've met financially successful people who share all of the features I've listed above.
I've been successful in my own life and career by following the examples of the high-performance role models I've been lucky enough to get to know.
By thinking, acting, and making financial decisions like them, you're much more likely to become successful yourself.
Go out now and make things happen.
Be a player, not a spectator.
Don't wait around for someone else to do something for you.
You're now responsible for your own fate.
Do you know any other tactics of highly successful people we've missed? What's your experience?
Share with us in the comments below!