In Tom’s five year study of the rich and poor, he has identified over 300 daily habits that separate the ‘haves’ from the ‘have-nots.’ Tom is a bestselling author whose books include Rich Habits, Rich Kids, and Change Your Habits, Change Your Life. Tom has appeared on or in CBS Nightly News, The Dave Ramsey Show, CNN, MSN Money, The Huffington Post, Marketplace Money Success, Inc., Money, and Kiplinger’s, just to name a few. He is a frequent contributor to Business Insider and Credit.com. He’s also a CPA, a CFP, and holds a Master’s degree in taxation and heads a top financial firm in the great state of New Jersey.