Million Dollar Decisions: The Everyday Choices That Shape Your Financial Destiny

What if every decision you made was a vote for your future wealth? Rachel Rodgers argues that wealth is built not through luck or windfalls, but through a series of small, intentional choices—what she calls Million Dollar Decisions (MDDs). These are the moments when you choose to invest in yourself, delegate tasks, negotiate your salary, or spend time on high-value activities instead of busywork. Each MDD creates more time, energy, and opportunity, moving you closer to your goals.

Rodgers provides a practical framework for making these decisions: WSABM—Want, Shoulds, Action, Body, More. Start by asking what you truly want, notice the 'shoulds' that hold you back, take bold action, listen to your body’s wisdom, and consider what more you will gain from each choice. For example, hiring a housecleaner may seem like an extravagance, but if it frees up hours for your business or rest, it’s an investment in your future.

Contrast this with Broke Ass Decisions (BADs)—choices that drain your resources, keep you small, and reinforce scarcity. Rodgers encourages readers to track their decisions for a week, noting which ones are MDDs and which are BADs. Over time, the goal is to make more MDDs, building momentum and confidence along the way.

Research shows that people who consistently make high-value decisions—whether in business, career, or personal life—outperform those who focus on saving pennies or avoiding risk. The key is to recognize your power in each moment, and to choose boldly, even when it feels uncomfortable.

Wealth is not just a destination, but a series of choices. Start today by making one Million Dollar Decision, and watch as your life begins to expand.