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If you want to become a rich woman, it can’t hurt to adopt the habits of some of the most successful women in the world.

Rich women don’t move the same way that broke women do.

So if you want to be one, it’s worth paying attention to how these women act and think.

The Habits of Rich Women

1. They Don’t Live Above Their Means.

Before rich women got to where they are, they knew the importance of not living beyond their means. Create a budget and stick to it. That can help you reach your financial goals faster and ensure you don’t sink deeper into debt while you’re trying to build wealth for yourself.

Rich women (or women on the way to becoming rich) also don’t impulse buy. They weigh whether what they want to buy is really worth buying.

Sometimes, they sleep on it for 24 hours before deciding. Try that the next time you feel the impulse to get something right now.

2. They Understand Delayed Gratification.

If you buy everything you want when you want it, you’ll never be able to save for the really big purchases you want to make – like a house. And buying a house can help add to your wealth factor, so make sure you’re not always buying what you want.

I know it sounds counterintuitive, since rich women can buy whatever they want. The point is that they don’t – not before they’re rich anyway. So if your goal is to become a rich woman, you’re going to have to make some sacrifices to get there so that one day you can buy whatever you want.

3. They Save for a Rainy Day.

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Emergencies happen in life. It’s inevitable and rich women know that. It’s why they save for rainy days (or emergencies). Unforseen events have likely happened to you and you may or may not have had money in the bank to cover those emergencies.

If you want to ensure you stay on track with your financial goals, you need an emergency fund so that you don’t dig into your savings when something comes up (and trust me, it will).

4. They Invest Their Money.

Investing is a smart way to make your money work for you. If you haven’t started investing, now’s the time. Do some research to determine what kind of investment is right for you. Not everyone has the same risk tolerance, so while the volatility of the stock market might work for some women, others may find that the constant ups and downs is too much for their tastes.

You can invest your money in:

  • Real estate
  • Stocks
  • Bonds
  • Mutual Funds and ETFs
  • Options
  • Annuities
  • Retirement
  • Saving for Education
  • Alternative and Complex Products
  • Initial Coin Offerings and Cryptocurrencies
  • Commodity Futures
  • Security Futures
  • Insurance

Related: How to Make Enough Money to Retire in the Next 5 Years

5. They Pay Themselves First.

If you’ve read almost any financial education book or blog post in the last 10 years, you’ve probably heard the advice that you should pay yourself first, which is absolutely right.

When you get your paycheck, the first thing you should do is pay yourself.

Take 10-20 percent of your income and put it aside for the future – to help you reach your financial goals. Then, pay your necessities.

6. They Use a Financial Advisor.

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Photo by NeONBRAND on Unsplash

If you don’t think you can build wealth on your own or you just don’t know where to start, consult a financial advisor. They can help you make important financial decisions that can help you get to the level of financial freedom that you desire.

Start researching financial advisors and their fees and see which ones you can reasonably afford. Remember, this is an investment in your financial future so don’t look at it as something you’re spending money on.

7. They Automate Their Savings.

Putting your savings on automatic is one of the best things you can do for your financial future because you don’t even have to think about it.

Literally, all you have to do is set it up once and the money just keeps coming out of your checking account like clockwork.

Set up your automatic savings today and check back in a year to see how much your savings has grown. You can always adjust the amount you’re saving if you feel like you’re not saving enough.

8. They Don’t Always Buy Name Brands.

Whether you’re shopping at the grocery store or you’re looking for a new pair of jeans, you don’t always have to spring for the name brand (especially if the generic brand is similar).

Instead of buying a $100 pair of jeans, try getting a $30 pair of jeans.

Instead of getting the expensive box of cereal because it’s name brand, try getting the off brand sometimes.

It saves you money and also gets you closer to your bigger financial goals. Consider that the next time you’re shopping.

9. They Adopt a Positive Money Mindset.

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Photo by Natasha Hall on Unsplash

If you’re going to be rich, you have to think like the rich do. That means adopting a positive attitude towards money. That means determining your beliefs about money by assessing yourself and changing any lingering negative beliefs about money.

For example, if you believe the “money is the root of evil” or “money doesn’t grow on trees” because that’s all your family used to say, you’ve got to change those beliefs if you want to attract more money into your life.

You could try saying affirmations like: “Money is the root of joy and comfort” or “Money flows to me easily.”

It may take some time before you start to actually believe these new ideas about money, but if you say them every day and focus on creating a new money mindset by reading books, listening to podcasts, reading blogs, or whatever method might work best for you, you can change your money mindset with time.

It took me a few years to change my money mindset, but I wasn’t as consistent with it as I probably should’ve been so it might not take you as long. It all depends on you and how deep-rooted your beliefs about money are.

10. They Invest in Their Physical and Mental Well Being.

If you’re not in tip-top physical shape and your mental health isn’t being taken care of, you won’t perform your best at anything.

That’s why it’s essential to take care of your physical and mental well being. You also want to be able to enjoy the fruits of your success once they finally arrive. You don’t want to be physically or mentally ill. You want to be able to enjoy life now that you’ve made it.

So make sure you’re continuously taking care of both your physical and mental health.

11. They Give Back.

Giving pack and showing gratitude for what you already have is something many successful women do.

Look at Oprah, Serena Williams, J.K. Rowling, Diane Von Furstenburg, and Sara Blakely (found of Spanx).

Follow in their footsteps and give back when you can. Don’t go broke trying to give back, but when you have it, think about giving back to your local community, a charity organization, or help out someone you know who might be struggling financially.

12. They Keep the Future in Mind.

Whenever it comes to making any financial decision, a rich (or soon-to-be rich) woman always keeps her future in mind.

That means making decisions that’ll get her closer to reaching her future financial goals and avoiding activities or behaviors that may sabotage her efforts.

Ready to Make Some Positive Changes?

Now that you know the most common habits of rich women, start following in their footsteps to become one yourself. Adopt these habits and before you know it, you’ll be well on your way to becoming or being a rich woman.

What steps are you taking to become a rich woman? Let me know in the comments.


Founder at The Ultimate Freelance Guide and author of The Ultimate Guide to Using Blogging to Boost Engagement and Drive Sales and Copywriting vs. Content Marketing: A Guide to Understanding the Difference Between the Two and Using Both for Maximum Engagement. Her work has been featured at USA Today and Small Biz Daily and she's written for clients like Columbia, LifeLock, eSurance, Anthem Health, USAA, Rev.com, Princess Cruises, and Rodan + Fields, among others.

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