The document outlines 9 habits of millionaires. Habit 1 is to always exceed expectations by listing 5 or more reasons why becoming rich is important. Doing less than expected reduces your value and means you will not achieve success or wealth. Habit 2 is to be proactive. The other habits include taking 100% responsibility, delaying gratification, doing what you love, acting with integrity, being 100% committed, turning failure into success, and respecting and loving money.