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    • I ignored the "follow your passion" advice. Our passions, which tend to be more on the creative side, can't always pay the bills — our strengths do.
    • I learned from millionaires. Throughout my career, I worked with many wealthy people. Instead of being jealous of them, I took notes. I'll never forget Brian, who I worked with after college.
    • I cut losers from my life. If you only hang out with people who like to drink at bars and spend money, you will most likely follow those same money-draining habits.
    • I exploited my 9-to-5. I invested in my employer-sponsored 401(k) and got the company match of 4%, which was free money that my employer contributed on my behalf.
  1. Apr 19, 2024 · Steve Adcock is the author of "Millionaire Habits" and a CNBC contributor. He shares his financial journey, his biggest regret and his advice for early retirement.

  2. Learn how to achieve financial independence, retire early and make a difference with the habits of millionaires. Steve Adcock shares his insights and tips on personal finance, careers, debt relief and more.

    • 'You're going to be bored' "I'll be honest with you, with some people that's going to be true," says Adcock. You don't have to look hard to find stories of people who left their nine-to-five only to find the days growing long and boring with no work to do.
    • 'It's going to destroy your relationship' While your relationship is no one else's business, there is something to the idea that early retirement might force you to spend a lot more time with your partner.
    • 'You're never going to work again' Critics of early retirement contend that once you've left the workforce for several years, you won't to be able to get your old position back should you want to reenter the working world.
  3. millionairehabits.us › about-millionaire-habitsAbout Millionaire Habits

    Steve Adcock is the founder of Millionaire Habits, a website and newsletter that teach you how to be smarter with money. He quit his job at 35 and lives in an off-grid home in Arizona.

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  5. Steve Adcock is a retired millionaire who shares his habits, tips and insights on personal finance, career and mindset. Read his latest articles on home buying, health savings accounts, debt payoff strategies and more.