Motivational speaker Tracy believes that you are what you do, and that""95 percent of everything that you think, feel, do and achieve is the result of habit."" In this guide to making more money by adopting new habits, he relentlessly coaches readers on setting goals, saving money, landing an ideal job, improving productivity, overcoming procrastination and other skills. A cross between an inspirational self-help tome and a guide to doing business efficiently, the book succeeds in both arenas. Tracy's advice will be useful for both managers and employees, and is specific enough for readers to act on immediately (e.g.,""be punctual"" and""associate only with the kind of people that you like, admire, respect, and want to be like""), while still focusing on the big picture (e.g.,""Make a decision today that you are going to accumulate more than a million dollars in the years ahead... do something toward achieving it every single day""). Practical and encouraging, Tracy's book provides more than just financial advice.