7 Money Habits That Build Wealth Fast, According to a Man Who Talks to Millionaires Daily

Why do some people seem to build wealth with ease while others grind for years and never quite get ahead?

It’s not just about earning more, spending less, or knowing the right people.

It’s about habits — the kind of small, consistent behaviours that compound quietly in the background.

Turgy Ollennu would know. As the founder of UK business finance company Funderer, he spends his days on the phone with entrepreneurs and self-made millionaires — often having dozens of conversations in a single week.

“After hundreds of calls, you start to hear the same ideas repeated,” Turgy says. “Different industries, different incomes — but similar approaches to money and decision-making.”

The people building serious wealth weren’t following get-rich-quick formulas.
But they were doing a handful of things differently.

Here are the seven money habits Turgy has seen time and time again from those growing wealth faster than the rest.

1. They take full ownership

People building wealth don’t waste time blaming the economy, their upbringing or bad luck. They ask themselves:
“What can I take responsibility for?”

That mindset unlocks progress. It replaces helplessness with intention. It’s not about pretending life is fair — it’s about choosing to act even when it isn’t.

The moment you take full responsibility for your financial position, you give yourself the power to change it.

2. They focus on earning, not just saving

Cutting back can only get you so far. Wealthy people? They focus on earning more.

They learn valuable skills. They charge what they’re worth. They explore side income or scale their businesses. They treat income as the fuel that funds everything else.

“The most common mindset shift I see is this,” says Turgy. “They stop asking, ‘Where can I save?’ and start asking, ‘Where can I grow?’”

 

3. They delay gratification — daily

Wealth doesn’t appear overnight. It’s built through small, smart decisions repeated consistently.

That often means holding off on instant pleasures — the impulse buys, the upgrades, the short-term wins — in favour of long-term outcomes. Whether it’s reinvesting in a business, holding an investment, or simply sitting on cash for the right opportunity, the wealthy are comfortable waiting.

It’s not always exciting. But it works.

4. They treat time as their most limited resource

Most people treat money as scarce and time as infinite.
Wealthy people flip that.

They understand that time is the only resource they can’t get back. They avoid wasting hours on distractions, unnecessary meetings or low-value tasks. They protect their calendars, delegate wisely and invest time where it counts.

If you’re leaking time, you’re leaking potential.

5. They manage money like a business

Your personal finances might not be a company — but the wealthy treat them like one.

They track income and outgoings. They review investments. They make decisions based on strategy, not stress.

“One of the most powerful questions I ask people is: If your financial life was a business, would you invest in it?” says Turgy.

That one question tends to change how people think.

6. They implement quickly

Learning is great. But doing is where the change happens.

The people building wealth aren’t waiting to perfect every idea before taking action. They learn something useful — and then test it. They don’t let fear or perfectionism block momentum.

Try this: each week, learn one thing. Action one thing.
That simple rhythm compounds.

7. They learn from those ahead of them

Copying might be frowned upon in school — but in the real world, it’s called leverage.

Wealthy people learn from mentors. They model proven systems. They take advice seriously and often act faster because they’re following someone who’s already walked the path.

“Almost every millionaire I speak to had someone they learned from,” says Turgy. “They don’t try to figure it all out alone.”

Success leaves clues. The smart ones pay attention.

Final Thought: Wealth Isn’t a Windfall — It’s a Habit Stack

There’s no guaranteed shortcut to wealth.
But there is a pattern. And it shows up again and again.

It’s not about luck, background or brilliance.
It’s about behaviours repeated over time.