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Maintenance Tips for Spring

February 4th, 2020 | Comments Off on Maintenance Tips for Spring | Posted in Lifestyle

After a long, dark winter, spring’s bright sun and warm winds are, well, a breath of fresh air. The only downside? All that sunshine spotlights your leaf-filled gutters, cracked sidewalks and the dead plants in last year’s flower beds. Dwight Barnett, a certified master inspector with the American Society of Home Inspectors, shared this checklist to help you target the areas that need maintenance so you can get your chores done quickly, leaving you time to go outside and play in the sunshine.

Examine Roof Shingles

Examine roof shingles to see if any were lost or damaged during winter. If your home has an older roof covering, you may want to start a budget for replacement. The summer sun can really damage roof shingles. Shingles that are cracked, buckled or loose or are missing granules need to be replaced. Flashing around plumbing vents, skylights and chimneys need to be checked and repaired by a qualified roofer.

Probe the Wood Trim

Use a screwdriver to probe the wood trim around windows, doors, railings and decks. Make repairs now before the spring rains do more damage to the exposed wood.

Check the Gutters

Check for loose or leaky gutters. Improper drainage can lead to water in the basement or crawl space. Make sure downspouts drain away from the foundation and are clear and free of debris.

Get More tips here.

How to Spring Clean Your Lifestyle

February 4th, 2020 | Comments Off on How to Spring Clean Your Lifestyle | Posted in Lifestyle

MARCH BRINGS ABOUT favorable weather changes and the turn of spring. While children are getting excited for spring break and outdoor activities, adults are simply enjoying the extended daylight when they leave the office. Although seasonal changes bring sunshine and warmth, our schedules also become busier and busier – with after-school activities, sporting practices and longer evenings spent outdoors. These hectic schedules cause many families to fall off the healthy-eating wagon. Nutritious family dinners are pushed to the side, while takeout and quick, on-the-go dinners become more frequent. And by now, many have unintentionally learned to forgo their New Year’s resolutions. There’s no better time than the turn of the season to spring clean your lifestyle and get your family back on track. This spring, make a goal to start with small, attainable changes that can help lead to better overall health.

The objective of spring cleaning your lifestyle is to refocus yourself, your family and others toward trying new foods and making healthy choices. Out with the old and in with the new – foods, that is! It’s often helpful to think about the foods you can have (as opposed to the foods you can’t), and focus on creating an eating style with a variety of those choices included. This may require taking bites of new foods that you’re not already familiar with.

But it’s not always easy for kids – or adults – to be open to trying new things, so this spring, I challenge you to make it a family and community affair. Making changes on your own can be seen as a burden; therefore, it’s important to enlist support from those around you.

Take the “spring cleaning” challenge:

1. Commit your entire family to trying a new fruit and vegetable each week during the month of March. Make this fun by having the kids rank the new food on a scale from 1 to 10.

2. Plan your meals to include different colored vegetables throughout the week (perhaps on Mondays, have the kids find a new yellow vegetable to try).

3. Swap out your standard grain for a whole grain half the nights of the week. Or try a new grain entirely, such as quinoa or couscous.

4. If you eat out often, make it a goal to cook a meal at home one or two nights during the week (try this quick and easy recipe the whole family will love).

5. Substitute plant-based proteins into one of your standard recipes (i.e. beans in place of meat in chili, tacos and more).

Get More tips here.

Best Lifestyle Mobile Apps

February 4th, 2020 | Comments Off on Best Lifestyle Mobile Apps | Posted in Lifestyle

15 of the Best Lifestyle Mobile Apps 15 of the Best Lifestyle Mobile Apps

Want to track your packages with the swipe of your finger? Now you can. Need to split a complicated dinner bill? It’s no longer a 10-minute math problem.

Lifestyle apps constantly appear in the Apple App Store and Google Play Store and at least attempt to make our lives easier. 

Not only have some of our favorites gone through redesigns and similar changes, but a ton of new apps have been created since we last looked.

Financial New Year’s Resolutions

December 31st, 2019 | Comments Off on Financial New Year’s Resolutions | Posted in Lifestyle

Resolve to do better next year.

The new year is a fantastic time to review your financial strength, pore over your budget and make big plans for next year. Not only is it a classic season for self-reflection and goal-making, but you can use year-end resources, such as annual bank statements and 12-month credit card summaries, to review spending. Consider taking a moment to meet with your financial advisor or tax professional to review what worked this year and make changes for the year ahead. Looking to make some financial New Year’s resolutions for the coming year? Here are 20 money resolutions to consider.

Identify financial goals.

Before you can make progress toward any financial goals, identify what they are. Are you hoping to earn a degree? Buy a home? Repay your auto loan? Finally contribute to your employer 401(k)? To increase your chances of success, “you have to be specific,” says Leanna Johannes, senior wealth strategist at PNC Wealth Management. A broad-based promise to “improve your finances” or “save more” may not demand the self-reflection or planning necessary to be successful. Take some real time to mull over what financial qualities you can improve this year. Consider your outlook, then outline a plan of attack.

Start tracking your budget.

Before you commit to sticking to a budget, resolve to track your spending each month. A range of apps and software programs can help you log spending. This important first step will let you identify spending leaks and diagnose where you’re going over budget. For a quick shortcut, look out for emails and mailings from your bank or credit card in January. You may receive a year-end summary or annual report from your credit card company or financial institution. This is a great resource with which to spend some time, identifying budgeting leaks, spending categories on which you tend to sink too much money and decisions about how to improve your spending for next year.

7 Biggest Technology Trends In 2020

December 31st, 2019 | Comments Off on 7 Biggest Technology Trends In 2020 | Posted in Lifestyle

We are amidst the 4th Industrial Revolution, and technology is evolving faster than ever. Companies and individuals that don’t keep up with some of the major tech trends run the risk of being left behind. Understanding the key trends will allow people and businesses to prepare and grasp the opportunities. As a business and technology futurist, it is my job to look ahead and identify the most important trends. In this article, I share with you the seven most imminent trends everyone should get ready for in 2020.


Artificial Intelligence (AI) is one of the most transformative tech evolutions of our times. As I highlighted in my book ‘Artificial Intelligence in Practice’, most companies have started to explore how they can use AI to improve the customer experience and to streamline their business operations. This will continue in 2020, and while people will increasingly become used to working alongside AIs, designing and deploying our own AI-based systems will remain an expensive proposition for most businesses.

For this reason, much of the AI applications will continue to be done through providers of as-a-service platforms, which allow us to simply feed in our own data and pay for the algorithms or compute resources as we use them.


Currently, these platforms, provided by the likes of Amazon, Google, and Microsoft, tend to be somewhat broad in scope, with (often expensive) custom-engineering required to apply them to the specific tasks an organization may require. During 2020, we will see wider adoption and a growing pool of providers that are likely to start offering more tailored applications and services for specific or specialized tasks. This will mean no company will have any excuses left not to use AI.

5G data networks

The 5th generation of mobile internet connectivity is going to give us super-fast download and upload speeds as well as more stable connections. While 5G mobile data networks became available for the first time in 2019, they were mostly still expensive and limited to functioning in confined areas or major cities. 2020 is likely to be the year when 5G really starts to fly, with more affordable data plans as well as greatly improved coverage, meaning that everyone can join in the fun.


10 Smart Snacks Under 200 Calories

October 7th, 2019 | Comments Off on 10 Smart Snacks Under 200 Calories | Posted in Lifestyle

Whether you’re craving sweet or salty, these healthy snacks are the perfect choice.

Believe it or not, snacking helps you maintain a healthy weight. The right snacks help fuel your body between meals and prevent you from binging on not-so-healthy foods. The key is choosing health snack options that are low in calories, high in protein and filled with nutrients — not processed junk food. Try some of these delicious and satisfying snack ideas, each under 200 calories.


These simple snacks are rich in protein, which helps keep you full and give you energy.

Cheese and crackers: 1 oz reduced-fat cheddar cheese6 reduced-fat whole-wheat crackers (Triscuit).

Tuna salad with crackers: ¼ cup prepared tuna salad,7 whole-wheat crackers (Kashi).

Yogurt: 5.3 oz fat-free vanilla Greek yogurt.

String cheese: 1 low-moisture, part-skim mozzarella string cheese.


These delicious snacks are packed with essential nutrients, such as vitamins A and C, folate, potassium and fiber.

Hard-boiled egg and fruit: 1 hard-boiled egg5 large strawberries.

Fruit and pumpkin seeds: 1 large orange2 tbsp roasted pumpkin seeds

Apple with peanut butter: 1 small apple1 tbsp peanut butter


Craving something crunchy? Put away the bag of chips or the chocolate chip cookies and choose one of these healthy snacks instead.

Veggies and hummus: 6 baby carrots,10 strips of bell peppers, 3 tbsp hummus

Almonds: 14 raw almonds

Granola bar: 1 roasted almond crunch granola bar (Nature Valley)

Add Years to Your Life

May 8th, 2019 | Comments Off on Add Years to Your Life | Posted in Lifestyle

9 Healthy Habits That Add Years to Your Life

Go online and you can find hundreds of tips and tricks all claiming to be the secret to the fountain of youth. But the real keys to living longer aren’t that mysterious, and most can be added to your everyday routine. These healthy habits can help lower your RealAge—the age your body thinks it is compared to your chronological age. To help you get started and stay motivated, try following these nine, easy habits—all proven to help boost longevity.


Walking has a host of health benefits, including easing stress and boosting weight loss. But it can also help fight serious diseases. “Walking gets your heart beating a little bit faster and tends to help it stay strong,” says Keith Roach, MD, chief medical officer of Sharecare and co-creator of the RealAge® Test. In fact, a 2013 study found that regular walking lowers the risk of high blood pressure, high cholesterol and diabetes just as well as running or jogging.

The benefits don’t end there. Daily strides may help you live longer, according to a 2018 study published in Circulation. The study suggests regular exercise, about 30 minutes a day, can help lengthen your life, but there’s even some research linking as little as 120 minutes of walking a week—just 17 minutes a day—to lower mortality.

Need help keeping tabs on how much walking you actually do each day? Try tracking your daily activity using the Sharecare app, available for iOS and Android. Once you activate the Steps tracker, your phone will automatically count your steps. 


A healthy sex life can benefit your relationship and lower your RealAge. Men who engage in regular sexual activity can reduce their risk of prostate cancer, according to Dr. Roach. For women, the benefits include less stress and better relationships—both of which can reduce the risk of chronic health problems, he says.

Having regular sex needn’t be a chore—there are simple (and fun) ways to get busy. Communicating with your partner is key, so don’t be afraid to share your desires and dislikes, and if you’ve got a packed calendar, it’s OK to schedule the deed.


Do coworkers call you a hothead? Does 6 p.m. traffic send you into a bout of road rage? You could be hurting your health. Many men won’t admit to having a short fuse, but research links those who do to a higher risk of developing heart disease, says Roach. Extreme anger in both men and women is rare, but it can be dangerous. “If somebody is walking around stressed and ready to explode at any minute, that can’t be good for their heart,” he says.

Anger can increase your heart rate, blood pressure and cholesterol levels. Outbursts of anger may even trigger a heart attack. If you feel your face begin to flush and your fits clench, give yourself a moment to breathe or try channeling your energy into exercise. 


No one knows exactly why a sedentary lifestyle is bad for your health, but it’s possible a seated position puts an abnormal amount of pressure on the vascular system, which comprises the vessels that carry blood throughout the body. This stress may slow blood flow, increase the likelihood of blood clots and make it harder for the heart to pump blood. “People who sit for a large part of their day are at a considerably higher risk for developing heart disease, the number one killer in the United States,” Roach explains.

To lower your risk of heart disease and other siting-related conditions, like obesity and certain cancers, walk and stand whenever possible. If your job requires long hours behind a desk, take standing meetings or skip the email and hand-deliver a note to your coworker.


You may be great at ignoring the office candy machine, but processed foods—especially refined carbs found in chips, pretzels and snack cakes—can be just as dangerous. Shortly after sucking down pre-packaged foods, your body turns them into sugar, causing a spike in glucose and forcing the pancreas to make even more insulin, warns Roach. This added insulin can lead to weight gain, diabetes and heart disease—potentially cutting years off your life.

A diet rich in healthy, whole foods might have the opposite effect on the body. When combined with other good-for-you habits—like limiting alcohol consumption and steering clear of cigarettes—a healthy diet may add more than a decade to your life expectancy, according to research published in 2018.  

When building your next meal, start with a base of colorful vegetables, a serving of whole grains, a portion of lean protein and a drizzle of healthy fats. To stay on track, try jotting down your daily food and drink consumption in a nearby notebook, or log your intake using apps like Sharecare, which you can easily download on iOS and Android devices.


Think meditation isn’t for you? You may want to reconsider. “Meditation isn’t necessarily about sitting on a prayer mat with your eyes half-closed and in the lotus position,” says Roach, “It may be about learning some breathing exercises you can do when you find yourself worrying.”

Not only can techniques like mindfulness meditation help you find Zen in the midst of a hectic day, they may also change your brain. According to a 2016 study published in Biological Psychiatry, meditating regularly can help you stay calm and handle stressful situations better, which may help reduce your disease risk. Want to give it a try? While sitting or standing in a comfortable position, give yourself a few minutes to become aware of the steady rhythm of your in and out breathing. As your mind calms, notice your thoughts and feelings, allowing them to pass without judgement. You can also try mantra meditation, which involves the silent repetition of a calming word or phrase like “peace” or “take it easy.”

A 2017 study published in The Lancet also suggests a link between stress and an increased stroke risk. Keep your cardiovascular health in tune by giving simple meditation practices a try.


It’s no secret smoking is harmful for your health, but never developing the habit may be more beneficial than you think. Research published in Circulation in 2018 shows that avoidance of smoking makes the list of life-lengthening habits, along with regular exercise and a healthy diet.

Cigarette smoking can increase your risk for a slew of health problems, like cancer, heart disease, lung disease and stroke and up your likelihood of premature death. Mortality rates among smokers are three times higher, compared to those who’ve never picked up a cigarette.

If you’re already a smoker, it’s not too late to improve your health. Just minutes after taking your last puff, your heart rate and blood pressure begin to normalize. Over time, kicking the habit can improve lung function, lower your likelihood of developing heart disease and cancer and reduce your mortality risk. Patches, gum and support groups can help make cessation a bit easier. Tracking your tobacco use can also help—just download the Sharecare app for iOS or Android and log your progress. 


Warnings about obesity and excess body weight have saturated the media—and for good reason. Obesity—a condition that affects more than 30 percent of American adults—is linked to an increased risk of heart disease, stroke, high blood pressure, type 2 diabetes and some cancers. These conditions can lead to premature death, but can often be prevented. There is no single cause of obesity, but factors like inactivity, an unhealthy diet, genetics and certain health conditions and medications may play a role.    

Obesity is measured using your height and weight to calculate a number known as body mass index (BMI). A score greater than 30 is indicative of obesity; a BMI between 25 and 29.9 is considered overweight, which is also unhealthy. There are proven ways to lower the number you see on the scale, and 2018 research suggests the work is worth it, since maintaining a healthy weight can help add years to your life.

To slim down, start by swapping sugary drinks for water or seltzer, minding your portions and moving more throughout the day.


Both the benefits and the risks of moderate alcohol consumption—one drink a day for women and two for men—have been questioned in recent years. While more research is needed to confirm the health benefits or drawbacks of modest drinking, the harmful effects of excess alcohol consumption are well-established. Exorbitant alcohol use has been linked to higher rates of certain cancers, increased risk of stroke and heart attack and a higher likelihood of mental health problems.

According to the same 2018 study that touted regular exercise, a healthy diet and weight control, alcohol consumption of less than two daily drinks has been linked to a greater life expectancy. If you don’t already enjoy a nightly scotch on the rocks or chocolatey glass of cabernet, there’s no reason to start sipping. But, if you’re slinging back more than 30 grams of liquid courage per day—about two drinks’ worth—this research could be the push you need to scale back.

Since you’re already tracking your steps and food and beverage intake with the Sharecare app, available for iOS and Android, log your alcohol consumption, too. 

7 Affordable Health Food Hacks

May 8th, 2019 | Comments Off on 7 Affordable Health Food Hacks | Posted in Lifestyle

You want to eat healthy, but after picking up a few items, your budget is blown. Sound familiar? You’re not alone. The average four-person American household spends anywhere between $560 and $1270 on food per month.

But according to research from Gallup and Sharecare, nutritious eating can really pay off. One report gave Active Living scores to communities based on four key components of an area’s environment. The communities with the highest scores had higher rates of healthy eating habits and produce consumption. Another report ranked some of the healthiest cities in the nation based on one simple question: “Did you eat healthy all day yesterday?” The top communities, like Naples, Florida, Barnstable Town, Massachusetts and Santa Cruz, California are making active strides to improve accessibility to healthy foods, reduce access to unhealthy fast food and educate their community about nutritious eating habits.

Even if you don’t live in one of these communities, there are tricks and tips available to help you eat healthy on a budget. From meal prep to picking seasonal produce, here are 7 hacks that will help you fuel up properly without breaking the bank.


Frozen and canned vegetables and fruits last longer than fresh produce so they don’t go to waste, and they’re more affordable. Canned and frozen produce items are taken to be packaged right after harvesting, so they’re ripe and their nutrients are well preserved.

Read food labels to avoid canned and frozen products with high calorie sauces or syrups, saturated fat, added sugar or added salt. Frozen berries, spinach and corn, as well as canned tomatoes and beans are good options to start with.  


When shopping for fresh produce, buying fruits and vegetables that are in season, or foods that grow during the current season and climate, is definitely the way to go. Seasonal produce costs less because it’s more likely to come from a local farm rather than one located farther away. And seasonal produce is liable to have more flavor and more nutrients like potassium, vitamin C and calcium. Fruits and veggies are picked when they are the freshest and distributed soon after, so you’ll reap their original health benefits. Your local farmer’s market is a fun and easy place to go for in-season produce. Click here to find out what’s in season, when.


On average, store brand grocery items cost 23% less than name brand items and most of the time, the two products are essentially the same. Like national brands, all store brand products undergo quality and safety checks before they make their way to grocery store shelves.

Whether it’s a cereal product or a canned vegetable, always compare store brand and name brand nutrition labels to make sure the quality and ingredient lists are comparable. If they are, choose the store brand option to help your wallet out big time. 


Meal prep will help you make better food choices and save you money. When meals are ready to go, you’re less likely to order take-out or swing through the drive through at the end of a long day.

Over the weekend, set aside a few hours to plan and prep your meals for the week ahead. Try assembling meal ingredients for things like soups and smoothies in plastic baggies or containers so you can throw them in the pot or blender in a pinch. Make daily snacks and lunches for the week all at once, and cook big batches of veggies that can accompany any main dish you have during the week. Join our clean eating challenge to get easy make-a-head recipe ideas.  


Public wholesale stores may seem intimidating, but for foods you eat regularly, they may be the best bet for saving money. But before you start loading up your cart at Costco, make sure you compare the bulk price per unit with what you normally buy.

It’s easy to get carried away when buying in bulk, but if you stick to pantry staples and foods with a longer shelf-life, you’ll save some cash and cut down how often you need to go to the grocery store. Bulk shop for items you’ll use up before they expire. Brown rice, oatmeal, natural honey, dried beans, vinegar and whole-wheat pasta are some of the healthy food items that can stay in your pantry for a while. 


Drinking more water can help you lose weight, promotes good brain function and helps keep your joints lubricated so you can move about easier. And if you bypass soda, coffee, juice and tea when grocery shopping, opting for good ‘ole H20 instead, you’ll save money, too.

Water is calorie free, while other beverages may be filled with sugar and empty calories. Add flavor to your water with slices of affordable fresh fruit like limes, berries and oranges.

10 Things Wealthy People Do

May 8th, 2019 | Comments Off on 10 Things Wealthy People Do | Posted in Lifestyle

to Keep Getting Richer

In a world of average people — and average salaries — many of us aspire to join the 7-figure club. Who doesn’t dream of becoming wealthy, so they can stop working, go on guilt-free shopping sprees and take endless vacations?

However, most rich people don’t do those things, and that’s part of how they build and maintain their wealth. There’s a difference between living a life of careless spending (which will quickly drain even a wealthy person’s bank account) and living for long-term financial independence and wealth.

The self-made rich aren’t necessarily smarter than anyone else, but they have mastered some important principles that help them get ahead and stay ahead. Most important, they treat building wealth as a learnable skill — and it’s one that you can learn, too.

So, if you’d like to join the ranks of the super wealthy, try honing these 10 habits and lifestyle changes and see what financial freedom truly feels like.

1. Have a financial growth mindset.

Wealthy people are incredibly creative when it comes to thinking about business and finding different ways of making money. Mega-successful people set themselves apart because they nurture a financial growth mindset, which changes how you view money and helps you focus on seeing profitable opportunities.

This mindset helps successful and wealthy people believe that there are always bigger and better projects to work on and there’s always more money to be made. They’re open to exploring new ideas. They believe they’re always capable of making changes and creating a positive outcome.

2. Network with other successful people.

Wealthy people understand the importance of surrounding themselves with other successful people. Wealthy people spend time networking with others who are wealthy but also have drive, talent and, most important, the potential to become wildly successful. The rich spend time every month getting to know other like-minded people at conferences, events and gatherings, or just grabbing coffee or a drink with someone interesting.

This is time wisely invested, as it keeps their minds focused on success and helps them meet new people who have fresh and thought-provoking ideas. Doing this also helps wealthy people fill their contact lists with relevant and influential people who can potentially help them (and vice versa).

3. Get outside your comfort zone.

Wealthy people are successful because they have learned that success comes to those who embrace a little discomfort. They understand that the only way to really improve is to push yourself beyond your limits. If you want to become wealthy, you’re going to need to fuel your creative spark, come up with unique business ideas and then take the plunge.

Wealth and success don’t emerge from the safety of a 9-to-5 job. They come from drawing on your inner strength and going for your big dream. All successful business leaders, visionaries and game-changers have gone beyond their comfort zones in order to achieve the ultimate success. The people who will go down in history had the courage to face their fears and take that first step into the unknown.

4. Create multiple income flows.

The more money you have, the easier it is to make more money. And the easiest and fastest way to make more money is to have multiple income streams. That way you always have money coming in and can use the excess income to invest in new income flows. This, in a nutshell, is the primary way the wealthy stay wealthy.

There are two basic forms of income: active income, in which you work for the money you make, and passive income, in which payment isn’t directly tied to the number of hours you work. Passive income includes rental property, dividend stocks, index funds, writing a book or creating an app, all of which will bring in a steady flow of income from sales or royalties.

5. Invest.

Rich people make their money work for them. They know that investing is the key to growing their finances. While saving money for a rainy day is important, your investments are going to do the heavy lifting to help you become wealthy.

Saving means putting money into a safe place until you want to retrieve it, but most savings accounts don’t yield high interest, so this pile of money basically stays static — it’s not going to grow much beyond what you add. But smart investments will give you healthy returns, which you can then reinvest. When you invest in something, you also accept some amount of risk, so you never want to invest more than you can afford to lose.

6. Take calculated risks.

The rich don’t gamble on big financial decisions; they do what they can to mitigate risk. They do their research and analysis, and determine which options best suit their financial needs and business desires. They weigh the pros and cons, and then take calculated risks.

They make financial decisions by asking themselves, “Will this bring me closer to my goal?” They avoid frivolous risks that aren’t really going to benefit them, and never take a cavalier attitude when it comes to money.

7. Focus on self-improvement.

Wealthy people are usually avid readers, but you won’t find many mindless beach novels in their bookcases. The wealthy understand the importance of self-education and pushing themselves to become better in all ways. In fact, if you look at the books piled by their beds, you’ll mostly find titles on self-improvement.

While 85 percent of rich people read two or more self-improvement books per month, only 11 percent read for entertainment, compared to 79 percent of the poor. And a whopping 94 percent of wealthy people read news publications, compared to 11 percent of non-wealthy people.

8. Never completely retire.

The ultra-rich certainly have enough money to never work another day in their life, but the majority of them keep working, at least to some degree, often well past 70. That doesn’t mean they’re clocking long days at the office; indeed, they’re probably taking their fair share of vacations and enjoying flexible schedules. But many rich people never completely retire. This is not because they can’t afford to, but because they enjoy what they do.

Many are entrepreneurs at heart, and the desire to run and grow a business never leaves them. The stability of working and the sense of purpose and fulfillment it gives them is an important part of their overall happiness. Working gives them an ongoing feeling of success and an objective to keep them focused. Not to mention that it keeps the money rolling in!

9. Avoid overspending.

While non-wealthy people daydream about spending money without worry, buying fancy cars, big houses and expensive clothes, the rich understand that the more money you spend, the less you have. The wealthy wouldn’t stay wealthy long if they spent excessively. No matter how much money you earn, you’ll always be poor if you spend more than you make.

The rich recognize that the less you spend, the more money you have to grow your wealth. Keep in mind that frugality is relative to your income — a wealthy person may spend much more than someone who is considered middle class. But in relative terms, the rich tend to be thrifty, and they make sure they don’t overspend.

10. Take time to reflect.

Many of the self-made wealthy spend time in focused thinking every day. Spending 30 minutes (or more) in a quiet space gives them time to reflect on their life and goals, to think about their health and relationships, consider their career and financial goals, and analyze where they’re currently at and where they want to be. Critical thinking time is essential to staying ahead of the market and considering what changes may be coming your way.

This is also time to focus on self-improvement and working through ideas. Some may opt for journaling or writing to help them come up with creative solutions and ideas. Just make sure you’re spending your time on productive thinking. Don’t waste your mental energy on ruminations or negative thought loops that will make you second guess yourself. The wealthy don’t.