“16 tips that helped me make $1 million in my 30s. No inheritance. No tricks.”

Steve Adcock, an American finance expert, who blogs about how to achieve financial independence, recently shared some tips on how he made money early without cutting corners. It should interest you.

A former software developer, Mr Adcock retired early at the age of 35. He produces the Millionaire Habits newsletter. He shared 16 tips he said worked for him. Read and you might just find something new to learn.

Disclaimer: The ideas are entirely his not Pluboard’s. There is no guarantee they all work. We share so you could pick what you believe might work for you and discard the rest.

Here are 16 choices that made Adcock rich:

1) I chose a high-paying career field (information technology), not liberal arts.

2) I cut out the losers. All you wanna do is drink? Bye.

3) I ignored the haters.

4) I never paid a single dollar in credit card interest in my life.

5) I was one of the first ones in the office, every day (this works more than you think).

6) I never watched the news. The news is built around negativity. That’s not what makes us rich. (You can discard the news but follow Pluboard to learn more.)

7) Rather than hating millionaires, I learned from them. I took notes. Rich people are great teachers.

8) I switched companies regularly. 15 to 20% raise every time. Easy money.

9) Exploited my 9 to 5. Got in early. Invested. Never complained. I got promotion after promotion.

10) Automated everything. Investing. Savings. Bill paying. Everything was on auto-pilot.

11) I didn’t care if my neighbor bought a BMW. I refused to keep up with their debt.

12) I stopped the bar runs. Booze ain’t cheap. Booze at bars is worse.

13) I prioritized well. Health > Family > Wealth. Without the first two, the third is meaningless.

14) I said “yes” to every opportunity, even if I didn’t know how to do it. I figured it out along the way.

15) My wife and I had “money talks” every day. We’d walk the dogs after dinner and talk money.

16) Index funds. No day trading. No picking and choosing stocks. Index funds = Easy button to getting rich.

If you require Mr Adcock’s explanations for each of the points, read this article.

And if you have any thoughts you would like to share, please let’s hear from you through info@pluboard.com