From studying millionaires and non-millionaires, wealth expert Tom Corley says he’s isolated four daily habits that distinguish well-off people from the not-so-well-off. Wake up early. Corley found that wealthy people wake up three hours before work, using that time to complete various tasks. Have a to-do list and stick to it. Even if there are only a few items on that list, complete each task before the end of the day. Take care of your health. Wealthy people exercise, watch what they eat, and don’t indulge in alcohol very often. Manage your time. Wealthy people don’t waste a minute of their day. They’re always doing something to better themselves or to learn something.