In my role as a CPA and Certified Financial Planner I help my clients manage their taxes and their wealth and, thus, I am privy to the inner workings of the world of the wealthy. In my other role as a financial self-help author I have, through years of research, gained a very unique understanding of how mere mortals create immense wealth. As a consequence of my two roles I am often asked by those struggling financially how the wealthy make their money. I codified these wealth creation activities into what I call, "rich habits", which also happens to be the title of my book. 

One of the most profound things that came out of the research for my book was the realization that wealthy people create their own luck by doing specific things, which I call "living the rich habits". By doing these specific things, by living the rich habits, they process luck into their lives. Most wealthy individuals, I found, were not even aware that they were the manufacturers of their own luck. They just thought they were "lucky". Case in point, the late J. Paul Getty, oil tycoon, when asked what he attributed to his immense wealth, he stated: "some people find oil, others don't." Even Getty thought his wealth was a matter of luck. For this very reasoning, the concept of creating wealth has been shrouded in mystery. Thus the phrase "the secret to financial success". But thanks to the discoveries I made in my research, the secret to financial success is no longer a secret. The fact is, creating wealth is nothing more than processing success into your lives by living the rich habits and watching opportunity luck manifest itself out of thin air.

The Anatomy of Luck
There are four types of luck:
1.  Random Good Luck - This is a type of good luck that you have no control over. This would include things like winning the lottery.
2.  Random Bad Luck - Again this type of luck you have absolutely no control over. It includes things like getting struck by lightning.
3.  Opportunity Luck - This is the luck that wealthy people create by living the rich habits.
4.  Detrimental Luck - This is the luck that poor people create by living bad habits.

Opportunity Luck
Wealthy people, whether they know it or not, are, every day, manufacturing opportunity luck by the way they live their lives;by their daily habits. Think of opportunity luck as a tree. When you live your life a certain way, when you live the rich habits, you are planting opportunity luck seeds. As you nurture your tree, as you live the rich habits, your opportunity luck tree grows. In time, your opportunity luck tree will bear fruit. Think of this fruit as a manifestation of luck. This fruit may be a raise, a promotion, a bonus, a financial windfall, a long, healthy life, good relationships etc.

Detrimental Luck
Poor people, whether they know it or not, are, every day, manufacturing detrimental luck by the way they live their lives; by their daily habits. Once again think of detrimental luck as a tree. When you have bad habits, you are planting the seeds to your detrimental luck tree. You nurture this detrimental luck tree by continuing to live your life with bad habits. In time, this tree will bear fruit. But when this tree bears fruit, watch out. The detrimental luck fruit manifested by your detrimental luck tree may be financial ruin, a job loss, a demotion, a heart attack, diabetes etc.

The key to financial and personal success rests in your daily habits. If you want to be financially successful you need to change your daily habits. You need to eliminate bad habits and replace them with good habits, or what I call rich habits. Living rich habits every day will create the opportunity luck that the wealthy enjoy.