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Getting Rich is Really Boring

Okay, maybe getting rich isn’t boring but I was trying to think of a catchy title and that’s all my little brain could come up with.

What is my Point?

The point of this post is that I’m a firm believer in the immense power of small, intentional actions performed over a long period of time. Hopefully the little rituals and habits in our financial life will build towards a life of wealth that will allow us to “live like no one else” (Dave Ramsey quote).

For instance, I know that I have to do 5 things to have a wonderful day no matter what happens.

  1. Get up early (approx 5am)
  2. Work out (preferably early)
  3. Read a book
  4. pray or read my bible (do something that feeds my soul. I firmly believe in this)
  5. Go to bed early.  I can’t say that I do them every day, but I do them most days.  Even on the weekend.  Especially on the weekend.

I eat the same breakfast every morning; steel cut oats with honey or agave.  It took me years to realize that I appreciate my energy and health more than a few bites of pancakes or cereal.  And when I eat that breakfast, I don’t have a mid-morning or mid-afternoon drops in energy.  It’s healthy. … etc etc etc.  But the point is that it’s boring.


Our lives are not exciting.  They are methodical, repetitive and boring.  We open our mail and work on our finances one night ever week and honestly sometimes it sucks.  But one of the common elements that Tom Stanley pointed out about millionaires in his books “Millionaire Next Door” and “Millionaire Mind” are that wealthy people have disciplined, consistent, efficient lifestyles.  It’s not that we are following his book like an instruction manual, but much of his descriptions of wealthy people apply to us.  It gives me hope that we are on a good financial path.

What most people see about wealthy people is the wealth.  But they hardly ever see the time and energy it took and they especially don’t think about the boring parts of it.

Boring? Far from it

This isn’t to say we have a boring life.  We definitely have plenty of fun, spontaneity and ups and downs.  But we have tried to automate those parts of our life that will hopefully lead to long term success and peace of mind.  Being able to save some money and knowing that those parts of our lives are in place allows us to enjoy other parts like time with the kids, friends, family etc.

I’ll feel even better when we have paid off our debts, built up our passive income and have more wealth in non-house assets. But we’re on our way to getting there.  Every month we are investing 15%, contributing to our kids college funds, pay down debt, etc.

Bottom line, what are the small first things that you can do consistently over time to improve your lifestyle, outlook, financial picture, career, etc.  Leave me your feedback.  I would love to hear your thoughts on this.


  1. I think you chose an excellent title for the post. For most people wealth is acquired through hard work & diligence. Not by becoming a superstar athlete like Michael Jordan or a music rockstar. They worked really hard to reach to refine their skills to becomes household names too. We just overlook the hardwork and only concentrate on the moment.

  2. I think what a lot of people don’t realize is what a huge impact those small behavior changes and dedication can have over time. Blogging is the classic example. It’s a huge grind and the grind never really stops, but it has huge upside that you can’t even predict when you are just starting out. The important thing to do is to get started and stick with it.

  3. It is kind of boring, isn’t it? When I think about the fact that it’s really just consistently doing the same thing over and over, it kind of makes me want to yawn.

    But there are a million different roads to explore and learn about on the way to wealth, and that’s really interesting to me. Sure, we’re all investing, but we’re all doing it a little differently.

  4. You’re right – all the good habits are pretty boring, but they’re worth it. I’m just starting to realize that I’m a lot happier eating boring foods and actually having energy and feeling healthy than eating junk food. It’s really different to make the mental changes to be able to live happily on the boring side of life.

  5. Yup, boring is the name of the game, but to be honest, I’m personally so close to financial independence at this point that this is going beyond boring, I’m at a point where it almost feels like a race against insanity… Can I really stay at my job for the remaining 18 months in front of me… ?

  6. I think the thing to remember about money/cash is that it’s just a tool for exchange. It’s worthless as paper, or an electronic number, but it let you do a billion different things and that is what people should use to motivate themselves to keep doing. It means we don’t have to work. It means we can spend time with our family. It means we can travel the world.


  7. Boring is great. The best stocks in my opinion are boring. You are right, no one ever sees boring because boring doesn’t make for good TV or an interesting story in a magazine. It is a shame, but I can’t see the magazine “Getting Rich by Living Frugally” flying off the racks haha For now, lets be boring and let’s keep on slowly increasing our wealth.

    Thanks for taking the time to put this article together!

    Bert, One of the Dividend Diplomats

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