Those who have achieved millionaire status will tell you becoming a millionaire takes discipline. Graziosi encourages readers to act now by adopting successful habits that will put them on a positive path—a path that will lead them to achieving their goals. One of those habits is putting one’s strengths and passions to good use. This involves taking pride in one’s work. Graziosi states, “Successful people, whether they’re working for somebody else or working for themselves, do whatever they do to the best of their ability—as if the boss is watching them every minute of every day.”

Readers are encouraged to follow their passion, pursue a career that they enjoy and the money will follow. Of course, this requires that one persist through failures, pursue learning opportunities, and make smart decisions by saving and investing.

Throughout the book Graziosi offers exercises that financial counselors may be able to incorporate into counseling sessions. These exercises may help clients uncover new career opportunities and develop positive habits. Graziosi offers one exercise in which readers are encouraged to observe themselves and those around them by recognizing how they carry themselves—their posture, their style, what repels and attracts certain energies. Check your physicality several times a day. Attempt to smile, stand, talk, and gesture in a manner that best represents you, attracts positive energy, and exudes confidence. This can often coincide with taking action and controlling one’s financial future and destiny.

One of my favorite sections of the book is Chapter 7 which covers attraction and persuasion. This is where the book is most beneficial to financial counselors. In order to help clients achieve their goals, we need to understand their pain points, fears, stressors, and why they may think a certain way. When we as counselors become expert listeners and truly understand the client’s point of view, we become more proficient in helping them solve their problems. There’s much more to the application of attraction and persuasion covered in Chapter 7 of the book. The recommendations are not gimmicky. Rather, they are sensible, rational, and invaluable to anyone who works with people.

The book closes with several valuable actions that can lead to happiness and fulfillment in life. As counselors, many of us encounter clients who are looking for a quick fix to financial challenges. Unfortunately, there is no magic bullet. Financial success and success in life requires making the right decisions along the way. By adopting small habits, clients can experience big success that can lead to happiness. In Chapter 9, Graziosi shares the power of happiness and the habits that result in happiness. Living in the present, focusing on positive outcomes, and eliminating the fear of failure are just a few of the habits that lead to happiness.

I recommend this book to those looking to lay the stepping stones toward becoming personally and financially successful as well as to those coaching individuals toward these goals. It’s a quick, powerful, and positive read. If just one success habit from this book is applied by the reader, it will likely lead to big a payoff in attaining one’s goals.

Kelly Jabbusch, AFC®, can be reached at

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