Dean Graziosi

Millionaire Habits vs. Dollar Habits 

By Desiree Grimaldi
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Dean Graziosi Millionaire Habits vs. Dollar Habits

Do you have millionaire habits or dollar habits? There’s a big difference between the two. Some people want the results immediately after being inspired, but they forget one important thing … consistent action.

Before you can take action, however, you have to cultivate discipline in your life to get to the next level of thinking. Your results will match the level of your thinking. In this article, Dean Graziosi shows us the hallmarks of millionaire habits versus dollar habits so you can determine which types of habits you practice and how to shift your thinking so your results can match your mindset.

Are You Busy or Productive?

How do leaders go to the next level? Dean Graziosi reveals the answer—they replace being busy with being productive.

Everyone wants to be more successful and happier with more freedom and control of their time. Yet we grow busier by the day. How can a person find time to accomplish more? Start by asking yourself what you’re busy with.

Instant results don’t happen just because you want them to. Everyone wants to start at the beginning and skip the middle to get to the end result, but the middle is very important and can’t be skipped. Any guesses what lives in the middle? Productive action!

Are the things you are working on actually moving the needle in your life (productivity) or are you on the treadmill of life (busyness)? That treadmill makes you feel like you are doing something, but you aren’t getting anywhere. Sure, you can speed it up and go faster, but you are just getting nowhere faster.

“I want you to think in absolutes with no gray area using binary thinking,” says Dean Graziosi. “You’re either climbing or sliding. There are only two activities…things that move the needle and things that don’t move the needle.”

Step Out Of The Gray Into Productivity

With binary thinking, there is only yes or no, victory or death, with absolutely no gray area. 

“I don’t want to oversimplify it, but when you start looking through the lens of binary thinking, you have to be brutally honest with yourself,” Graziosi says.

For example, we all have 24 hours in a day, so how is it that some people seem to get more accomplished than others. Graziosi says it’s because they have learned how to look through the lens of binary thinking and say no to the things that don’t move the needle in their life towards a bigger future with more productivity, money, joy, and happiness. 

You can develop the productivity habit by moving forward into the black and white areas and away from gray areas. Gray areas eat up time and steal your productivity. Some gray areas include going online without a specific purpose in mind and ending up surfing the web aimlessly, or hanging out with people who drain your energy and confidence, making you doubt yourself.

Life moves too fast, and we only have this one life. Distractions are the thief of opportunity and productivity. To make sure you’re staying in the black and white, ask yourself these questions every day: 

  • Does this activity make me happy?
  • Does this activity help me grow? 
  • Am I just busy or productive?
  • Does this activity move me towards my goal?

a man running down the beach

Consider Where Your Habits Are Taking You

If you continue on in your same old habits, where will you be in five or 10 years? How will you feel in five or 10 years when you look back and realize you’re still in the exact same place? 


Everyone needs to think about where their habits are taking them. If you don’t, you may miss the chance to become more productive and achieve that next level of opportunity. You will have missed the chance to move the needle in your life.

Choose Clarity Over Overwhelm

Overwhelm can steal your future. Dean Graziosi sees it as part of a much bigger problem that shows up in your life as a lack of clarity on what action to take. 


When people say they are too busy, sometimes it means they just aren’t clear on what they’re trying to accomplish. They don’t know how to say no to the wrong things, leaving no room to say yes to the things that serve God, a bigger future, and their family and friends.


The truth is the hypnotic rhythm of things you are used to doing—the dollar habits of day-to-day life—is not getting you to the place you want to be. 


“You have to say no to the things you used to do to move the needle, and that requires clarity,” Graziosi says.

A man covering his face with his hands

Set Deadlines and Timeframes

Have you said you were going to take a course, start a new business, or focus on marketing and sales … only to find that it never got done? According to Graziosi, unless you set a deadline and a timeframe for what you want to accomplish, it never well.


“You need a deadline and a timeframe, and you need to schedule with targeted deadlines,” says Graziosi. Without a timeframe and a targeted deadline, your world could collapse. You will find yourself never moving the needle and never reaching that next level.

Stay Focused

Are you easily distracted? Do you find yourself getting sidetracked from the task you are actually working on? It’s easy to be working on something and tell yourself that you’ll just take a moment to check your Facebook again to see how many likes you got. Before you know it, you’ve jumped to TikTok and watch funny cat videos for 15 minutes. You then tell yourself you might as well check your bank account while you’re at it.


Before you know it, it’s time for dinner. You’ll have to work on your important task later, and you have just lost two hours you will never get back.


“We must focus on the things that allow us to move the needle to get us in flow state. When you are in flow state and you’re focused, you can say no to all the distractions and condense time,” Graziosi says.

Plan For Productivity 

“Productivity doesn’t just happen,” says Graziosi. “You have to schedule it and create a system.”

He takes his own advice and has a system that sets up his day for productivity, and it starts with his daily morning routine.


Don’t just hope for a productive day. Don’t just hope you do things that move the needle.  Don’t just hope you will accomplish everything you have been thinking about for the day. Plan for productivity!


“Discipline is disciplining yourself to be the best version of yourself and to be massively productive,” says Dean Graziosi. “Your life is the sum total of what you do in a day, and your day is really the sum total of the actions you take within that day. Your daily actions are the result of your daily habits.”
A female typing on a laptop with a planner on the side.

Millionaire Habits or Dollar Habits? 

Do you have habits of intimacy, passion, and happiness in your relationship, or do you have habits that drive you apart? 

Do you have habits that put you in great shape, making you feel good and mentally focused, or do you have habits that make you feel like procrastinating and being lazy?

Plan for productivity and cultivate discipline. It won’t just happen on its own. You are the only one who can change the habits in your life. You are the only one who can set the goals in your life and then take steps to reach those goals.

It is up to you to step out of the gray and into the black and white of productivity. Work on your focus so you aren’t sidetracked. Cultivate discipline and get your system of timeframes and deadlines in place and reach that next level.

More with Dean Graziosi

Listen to the entire episode on “Millionaire Habits Vs. Dollar Habits” now on The Dean Graziosi Show in the iTunes store, or on PodBean, Spotify, or Stitcher. For more inspirational stories and messages like this, check out Dean’s website at or watch his videos on YouTube at



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