I wonder if this is true. The list you will read at DaveRamsey.com, does the rich truly engage in these many behaviors? Better yet, I would wonder if this has less to do with your income as the individual. Successful people engage in these behaviors from the day they were born wether or not they grew up poor or wealthy. To be sure this list is certainly one way to start with making your New Year's resolutions.
I know it's Christmas so, hopefully you would consider this your early Christmas present.