The Rule of 100 Hours

The Tiny Daily Habit That Brings Leaders Into the Top 5%

Most people don’t fail because they lack talent. They fail because they don’t build the time deposit that talent requires.

That’s why the Rule of 100 Hours is so powerful, especially for WealthWave leaders.

Here it is in plain terms:

If you spend 100 hours a year practicing a skill, you’ll become better at it than 95% of the population.
And the best part is the math: 100 hours a year is only 18 minutes a day.

Not two hours. Not “when life calms down.”
Eighteen minutes. Every day.

That’s the difference between hoping for growth and earning it.

“You don’t rise to your goals. You fall to your habits.”
— James Clear

Why This Matters in WealthWave

In our business, success isn’t about being the loudest, the most charismatic, or the most “salesy.” It’s about becoming consistently better at a few core skills:

• Introducing people to financial education
• Inviting them to take a simple next step
• Sharing tools that build trust and clarity
• Following up with confidence and care
• Staying steady when other people drift

And here’s the truth: those are learnable skills. Not mysteries.

The leaders who win long-term aren’t the ones who do everything. They’re the ones who do the right things—often, and well.

“We are what we repeatedly do. Excellence, then, is not an act, but a habit.”

— Will Durant

The “Top 5%” is Closer Than You Think

Most people don’t do any deliberate practice in communication, inviting, follow-up, or leadership. They just “try” when it comes up.

That’s why 18 minutes a day can separate you so quickly.

Imagine two WealthWave leaders:

• One leader wings it when introducing the mission.
• Another leader invests 18 minutes a day practicing the introduction, sharpening the story, learning the tools, and improving follow-up.

Give that a year.

One leader will sound the same.
The other will sound like a professional.

What Should Your 100 Hours be Focused On?

Here are practical, WealthWave-specific ways to apply the Rule of 100 Hours. Pick one “skill lane” for the next 30 days, then rotate.

1) Introducing People to Financial Education

18-minute practice idea:

• Write and rehearse a 60-second mission intro.
• Record yourself on your phone once per day.
• Improve one thing: clarity, energy, simplicity, or confidence.

Example intro you can practice:
“Most people were never taught about money. We help families understand how money really works and what to do next—without pressure. It’s simple financial education.”

“Clarity beats charisma.”
(Because clarity creates trust.)

2) Inviting People to Consider the Business

A lot of leaders don’t struggle with belief. They struggle with wording.

18-minute practice idea:

• Practice five natural invites.
• Send two messages.
• Review what got responses and what didn’t.

Example invite:
“I’m working with a team that teaches financial literacy. Would you be open to taking a quick quiz that shows where you are and what to improve?”

Simple. Human. Low pressure.

“Confidence comes from evidence—and evidence comes from repetition.”

3) Sharing Tools like TheMoneyBooks Series

Tools don’t close people. Leaders who explain tools well close people.

18-minute practice idea:

• Pick one MoneyBook and learn the “why” behind it.
• Practice explaining it in 20 seconds.
• Roleplay the handoff: why it matters, what to do, when you’ll follow up.

Example handoff:
“This little book is designed to make money simple. Read the first 15 pages and tell me what surprises you. I’ll check in tomorrow.”

That’s leadership: clear next step, short timeline, follow-up baked in.

“What gets scheduled gets done.”

4) Using the Financial Literacy Quiz (FLQ) to Create Urgency and Insight

The FLQ is a gift because it removes opinion and replaces it with awareness.

18-minute practice idea:

• Take the quiz yourself again.
• Learn the most common “missed” questions and why.
• Practice explaining what the score means without judgment.

Example language:
“This isn’t a test. It’s a snapshot. It shows what school didn’t teach us—and what we can fix.”

“People don’t change when they’re told. They change when they see.”

5) Using Videos, Podcast Episodes, Articles, and Webpages to Keep Momentum

Most leaders “share content.” Top leaders assign content with intention.

18-minute practice idea:

• Choose one video/podcast/article for the week.
• Write a 2-sentence message that frames why it matters.
• Practice follow-up questions that create conversation.

Example message:
“This episode explains why most families feel behind even with good income. Listen to the first 10 minutes—then tell me if you relate more to the ‘cashflow’ issue or the ‘strategy’ issue.”

Now you’re not spamming content. You’re leading a moment of discovery.

“Interest fades. Momentum compounds.”

The Power of Micro-Practice

The Rule of 100 Hours works because it respects real life. You don’t need perfect conditions. You need a daily commitment of texts, emails, phone calls, and in person conversations.

You can do 18 minutes:

• In the car before your first appointment (parked)
• Between meetings
• Right after dinner
• First thing in the morning
• During a walk

And you can practice in the exact channels you use:

• Text: write two clean invites + one follow-up
• Email: draft a short intro and a clear next step
• Phone: rehearse your 20-second opener and your 10-second close
• In Person: practice eye contact, pace, and staying simple

“Repetition is not punishment. It’s the path.”

A Simple 18-Minute Daily Plan

Here’s a plug-and-play structure that works:

• 6 minutes: Learn one tool (MoneyBook, FLQ, video, podcast, article)
• 6 minutes: Practice one message or one invite out loud
• 6 minutes: Execute (send 2 texts, make 1 call, set 1 appointment, follow up with 1 person)

That’s it.

Not theory. Not someday. Daily deposits.

The Leaders Who Do This Become Inevitable

This is the part that’s easy to miss: the Rule of 100 Hours doesn’t just improve skill. It changes identity.

You stop being someone who tries.

You become someone who trains.

And in WealthWave, that shows up fast:

• You sound clearer
• You follow up more naturally
• You get more responses
• You book more appointments
• You create more belief because your confidence is earned

“The only difference between average and excellent is the time you’re willing to invest.”

Your Call to Action: Choose Your 100 Hours—Starting Today

If you want to be in the top 5%, don’t wait for motivation. Pick your lane. Commit to 18 minutes. Put it on the calendar.

Here’s the challenge for every WealthWave leader reading this:

For the next 30 days, do the Rule of 100 Hours daily.
No drama. No perfection. Just deposits.

• Practice your introduction.
• Get fluent with TheMoneyBooks series.
• Use the FLQ daily in conversation.
• Master your follow-up.
• Assign each piece of content with purpose.
• Invite with clarity.
• Lead with consistency.

Because one year from now, you won’t be hoping you’re better.
You’ll have proof.

Eighteen minutes a day.
One skill at a time.
Top 5% results.

Now go earn your 100 hours.