--- title: "Meaning & Key Takeaway of: People who fail to accumulate money…" description: "\"People who fail to accumulate money, without exception, have the habit of reaching decisions, if at all, very slowly, and of changing these decisions q..." image: "https://sms4smile.com/quotes/i/c75/napoleon-hill-201_decision_people-who-fail-to-accumulate-money-with_1659833.jpg" --- # People who fail to accumulate money, without exception… ![“People who fail to accumulate money, without exception, have the habit of reaching decisions, if at all, very slowly, and of changing these decisions quickly and often.” quote by Napoleon Hill](https://sms4smile.com/quotes/i/c75/napoleon-hill-201_decision_people-who-fail-to-accumulate-money-with_1659833.jpg) [Download](https://sms4smile.com/quotes/i/c75/napoleon-hill-201_decision_people-who-fail-to-accumulate-money-with_1659833.jpg) [Open image](https://sms4smile.com/quotes/i/c75/napoleon-hill-201_decision_people-who-fail-to-accumulate-money-with_1659833.jpg) > “People who fail to accumulate money, without exception, have the habit of reaching decisions, if at all, very slowly, and of changing these decisions quickly and often.” [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) ## About This Quote This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation. People who lack wealth often delay decisions and then change them rapidly, hindering consistent progress. **In simple terms:** Indecision and frequent changes block wealth building. Key Takeaway Decide promptly and stick to the plan. Themes wealth decision‑making consistency habit formation Mood reflective motivational Type personal finance self‑improvement When to use this quote - investment planning - career moves - budgeting - goal setting Key Concepts psychology of finance behavioral economics Questions to Reflect On - What decisions are you postponing? - How can you create a decision‑making routine? A Different Perspective Over‑analysis can cause paralysis; flexibility sometimes needed. ★ ★ ★ ★ ★ No ratings yet [Decision](https://sms4smile.com/quotes/about/decision/) [Habit](https://sms4smile.com/quotes/about/habit/) [Habits](https://sms4smile.com/quotes/about/habits/) [Money](https://sms4smile.com/quotes/about/money/) [People](https://sms4smile.com/quotes/about/people/) ## Related quotes > [Successful people make decisions quickly (as soon as all the facts are available) and change them very slowly (if ever). Unsuccessful people make decisions…](https://sms4smile.com/quotes/napoleon-hill/successful-people-make-decisions-quickly-as-soon-as-all-the-facts-are/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [Successful people make their decisions quickly and change their minds slowly. Failures make their decisions slowly and change their minds quickly.](https://sms4smile.com/quotes/andy-andrews/successful-people-make-their-decisions-quickly-and-change-their-minds/) [Andy Andrews](https://sms4smile.com/quotes/author/andy-andrews/) > [I sometimes wonder how some people can live with themselves in some of the big companies today. So many far-reaching decisions are based on…](https://sms4smile.com/quotes/jane-goodall/i-sometimes-wonder-how-some-people-can-live-with-themselves-in-some/) [Jane Goodall](https://sms4smile.com/quotes/author/jane-goodall/) > [In their zeal for particular kinds of decisions to be made, those with the vision of the anointed seldom consider the nature of the:…](https://sms4smile.com/quotes/thomas-sowell/in-their-zeal-for-particular-kinds-of-decisions-to-be-made-those-with/) [Thomas Sowell](https://sms4smile.com/quotes/author/thomas-sowell/) > [“I don’t mean to say that thinking and reaching decisions have no influence on behavior. But behavior does not merely enact whatever has already…](https://sms4smile.com/quotes/bernhard-schlink/i-don-t-mean-to-say-that-thinking-and-reaching-decisions-have-no/) [Bernhard Schlink](https://sms4smile.com/quotes/author/bernhard-schlink/) > [The ability to make a decision is another characteristic of a winner in money matters. I have found over and over again that those…](https://sms4smile.com/quotes/venita-vancaspel/the-ability-to-make-a-decision-is-another-characteristic-of-a-winner/) [Venita VanCaspel](https://sms4smile.com/quotes/author/venita-vancaspel/) > [Success Does Not Depend On Making Important Decisions Quickly, But Depends On Your Quick Actions On Important Decisions.](https://sms4smile.com/quotes/pacifiersucker/success-does-not-depend-on-making-important-decisions-quickly-but/) Pacifiersucker > [I've always been able to make erroneous decisions very quickly.](https://sms4smile.com/quotes/herb-kelleher/i-ve-always-been-able-to-make-erroneous-decisions-very-quickly/) [Herb Kelleher](https://sms4smile.com/quotes/author/herb-kelleher/) > [I probably thought that about most of the things I did. But you wind up in situations where you have to make decisions very…](https://sms4smile.com/quotes/lykke-li/i-probably-thought-that-about-most-of-the-things-i-did-but-you-wind/) [Lykke Li](https://sms4smile.com/quotes/author/lykke-li/) > [“We live in a world that assumes that the quality of a decision is directly related to the time and effort that went into…](https://sms4smile.com/quotes/malcolm-gladwell/we-live-in-a-world-that-assumes-that-the-quality-of-a-decision-is/) [Malcolm Gladwell](https://sms4smile.com/quotes/author/malcolm-gladwell/) > [I make decisions quickly.](https://sms4smile.com/quotes/norbert-leo-butz/i-make-decisions-quickly/) [Norbert Leo Butz](https://sms4smile.com/quotes/author/norbert-leo-butz/) > [“An astronaut is someone who’s able to make good decisions quickly, with incomplete information, when the consequences really matter.”](https://sms4smile.com/quotes/chris-hadfield/an-astronaut-is-someone-who-s-able-to-make-good-decisions-quickly-2/) [Chris Hadfield](https://sms4smile.com/quotes/author/chris-hadfield/) > [I have a history of making decisions very quickly about men. I have always fallen in love fast and without measuring risks. I have…](https://sms4smile.com/quotes/elizabeth-gilbert/i-have-a-history-of-making-decisions-very-quickly-about-men-i-have/) [Elizabeth Gilbert](https://sms4smile.com/quotes/author/elizabeth-gilbert/) > [Get to book 19 flights right now. I hate booking flights cause I SUCK at making decisions! But now I have to make 19 decisions quickly!](https://sms4smile.com/quotes/frankie-muniz/get-to-book-19-flights-right-now-i-hate-booking-flights-cause-i-suck/) [Frankie Muniz](https://sms4smile.com/quotes/author/frankie-muniz/) > [The political system of the People's Republic of China can make things easy. Decisions are made quickly and results come quickly, too. In our…](https://sms4smile.com/quotes/ratan-tata/the-political-system-of-the-people-s-republic-of-china-can-make/) [Ratan Tata](https://sms4smile.com/quotes/author/ratan-tata/) ## More by Napoleon Hill > [Your world will change whether or not you choose to change, but you have the power to choose it's direction.](https://sms4smile.com/quotes/napoleon-hill/your-world-will-change-whether-or-not-you-choose-to-change-but-you/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [The best way to succeed in this world is to act on the advice you give to others.](https://sms4smile.com/quotes/napoleon-hill/the-best-way-to-succeed-in-this-world-is-to-act-on-the-advice-you/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [A state of mind is something that one assumes. It cannot be purchased, it must be created.](https://sms4smile.com/quotes/napoleon-hill/a-state-of-mind-is-something-that-one-assumes-it-cannot-be-purchased/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [The mind requires regular use to remain strong.](https://sms4smile.com/quotes/napoleon-hill/the-mind-requires-regular-use-to-remain-strong/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [The vast majority of people are born, grow up, struggle and go through life in misery and failure, not realizing that it would be…](https://sms4smile.com/quotes/napoleon-hill/the-vast-majority-of-people-are-born-grow-up-struggle-and-go-through/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [No accurate thinker will judge another person by that which the other person's enemies say about him.](https://sms4smile.com/quotes/napoleon-hill/no-accurate-thinker-will-judge-another-person-by-that-which-the-other/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [“To all these I wish to convey the thought that all achievement, no matter what may be its nature, or its purpose, must begin…](https://sms4smile.com/quotes/napoleon-hill/to-all-these-i-wish-to-convey-the-thought-that-all-achievement-no/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [“Tell the world what you intend to do, but first show it.” This”](https://sms4smile.com/quotes/napoleon-hill/tell-the-world-what-you-intend-to-do-but-first-show-it-this/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [Handicaps can be converted into stepping stones on which one may climb toward some worthy goal, unless they are accepted as obstacles, and used…](https://sms4smile.com/quotes/napoleon-hill/handicaps-can-be-converted-into-stepping-stones-on-which-one-may/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [You become what you think about](https://sms4smile.com/quotes/napoleon-hill/you-become-what-you-think-about/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [Every man's own character is written so all who will may read it, in the expression of his eyes, the tone of his voice,…](https://sms4smile.com/quotes/napoleon-hill/every-man-s-own-character-is-written-so-all-who-will-may-read-it-in/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [Life is a mirror of your consistent thoughts.](https://sms4smile.com/quotes/napoleon-hill/life-is-a-mirror-of-your-consistent-thoughts/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [Success requires no explanations. Failure permits no alibis.](https://sms4smile.com/quotes/napoleon-hill/success-requires-no-explanations-failure-permits-no-alibis/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [The habit of taking the line of least resistance makes all rivers and some men crooked.](https://sms4smile.com/quotes/napoleon-hill/the-habit-of-taking-the-line-of-least-resistance-makes-all-rivers-and/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) > [“There are no limitations to the mind except those that we acknowledge.”](https://sms4smile.com/quotes/napoleon-hill/there-are-no-limitations-to-the-mind-except-those-that-we-acknowledge/) [Napoleon Hill](https://sms4smile.com/quotes/author/napoleon-hill/) [Explore all 928 Napoleon Hill quotes ](https://sms4smile.com/quotes/author/napoleon-hill/) ## More Decision quotes > [Making the right decision is hard,telling someone your decision is even harder.](https://sms4smile.com/quotes/abhishek-tiwari/making-the-right-decision-is-hard-telling-someone-your-decision-is/) [Abhishek Tiwari](https://sms4smile.com/quotes/author/abhishek-tiwari/) > [It is said that history turns on small hinges. A human career, too, results from an accumulating series of decisions about large and small…](https://sms4smile.com/quotes/norman-vincent-peale/it-is-said-that-history-turns-on-small-hinges-a-human-career-too/) [Norman Vincent Peale](https://sms4smile.com/quotes/author/norman-vincent-peale/) > [Elections belong to the people. It's their decision. If they decide to turn their back on the fire and burn their behinds, then they…](https://sms4smile.com/quotes/abraham-lincoln/elections-belong-to-the-people-it-s-their-decision-if-they-decide-to/) [Abraham Lincoln](https://sms4smile.com/quotes/author/abraham-lincoln/) > [Bush reiterated his stand to conservatives opposing his decision on stem cell research. He said today he believes life begins at conception and ends…](https://sms4smile.com/quotes/jay-leno/bush-reiterated-his-stand-to-conservatives-opposing-his-decision-on/) [Jay Leno](https://sms4smile.com/quotes/author/jay-leno/) > [“How can you make an informed decision about whether to save the world if you never leave your tiny part of it?”](https://sms4smile.com/quotes/shaun-david-hutchinson/how-can-you-make-an-informed-decision-about-whether-to-save-the-world/) [Shaun David Hutchinson](https://sms4smile.com/quotes/author/shaun-david-hutchinson/) > [Love is the foundation from which your decisions about your life should be made.](https://sms4smile.com/quotes/anonymous/love-is-the-foundation-from-which-your-decisions-about-your-life/) [Anonymous](https://sms4smile.com/quotes/author/anonymous/) > [Indecision becomes decision with time.](https://sms4smile.com/quotes/anonymous/indecision-becomes-decision-with-time/) [Anonymous](https://sms4smile.com/quotes/author/anonymous/) > [If you think of people as making decisions actively, every time we think about the cup of coffee, we say, "How much will I…](https://sms4smile.com/quotes/dan-ariely/if-you-think-of-people-as-making-decisions-actively-every-time-we/) [Dan Ariely](https://sms4smile.com/quotes/author/dan-ariely/) > [It was a conscious decision on my part to take up fewer films. And if you're not seen that often on screen, nobody calls…](https://sms4smile.com/quotes/johnny-lever/it-was-a-conscious-decision-on-my-part-to-take-up-fewer-films-and-if/) [Johnny Lever](https://sms4smile.com/quotes/author/johnny-lever/) > [Decision is a risk rooted in the courage of being free.](https://sms4smile.com/quotes/paul-tillich/decision-is-a-risk-rooted-in-the-courage-of-being-free/) [Paul Tillich](https://sms4smile.com/quotes/author/paul-tillich/) > [I never think of things rationally or intellectually. I swear, every single decision I make is just instinct and my instincts tend to be…](https://sms4smile.com/quotes/neill-blomkamp/i-never-think-of-things-rationally-or-intellectually-i-swear-every/) [Neill Blomkamp](https://sms4smile.com/quotes/author/neill-blomkamp/) > [“it is either you happen to life or life happens to you.”](https://sms4smile.com/quotes/sesan-kareem/it-is-either-you-happen-to-life-or-life-happens-to-you/) [Sesan Kareem](https://sms4smile.com/quotes/author/sesan-kareem/) > [How strange that something so simple could have been instrumental in my decision to ruin one of my most relationships and friendships, and damage…](https://sms4smile.com/quotes/veronica-roth/how-strange-that-something-so-simple-could-have-been-instrumental-in/) [Veronica Roth](https://sms4smile.com/quotes/author/veronica-roth/) > [I am encouraged President Obama now says he will fulfill his constitutional obligation to seek authorization for any potential military action in Syria. This…](https://sms4smile.com/quotes/rand-paul/i-am-encouraged-president-obama-now-says-he-will-fulfill-his/) [Rand Paul](https://sms4smile.com/quotes/author/rand-paul/) > [In New York, you are constantly faced with this very urgent decision that you have to make, about every twenty minutes...you have to decide,…](https://sms4smile.com/quotes/david-cross/in-new-york-you-are-constantly-faced-with-this-very-urgent-decision/) [David Cross](https://sms4smile.com/quotes/author/david-cross/) [Browse all 9,145 Decision quotes ](https://sms4smile.com/quotes/about/decision/) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "Quotation", "text": "People who fail to accumulate money, without exception, have the habit of reaching decisions, if at all, very slowly, and of changing these decisions quickly and often.", "creator": { "@type": "Person", "name": "Napoleon Hill" }, "isPartOf": { "@id": "https://sms4smile.com/quotes/#website" }, "url": "https://sms4smile.com/quotes/napoleon-hill/people-who-fail-to-accumulate-money-without-exception-have-the-habit/", "about": { "@type": "Thing", "name": "Decision" }, "@id": "https://sms4smile.com/quotes/napoleon-hill/people-who-fail-to-accumulate-money-without-exception-have-the-habit/#quotation", "image": { "@type": "ImageObject", "@id": "https://sms4smile.com/quotes/i/c75/napoleon-hill-201_decision_people-who-fail-to-accumulate-money-with_1659833.jpg", "contentUrl": "https://sms4smile.com/quotes/i/c75/napoleon-hill-201_decision_people-who-fail-to-accumulate-money-with_1659833.jpg", "url": "https://sms4smile.com/quotes/i/c75/napoleon-hill-201_decision_people-who-fail-to-accumulate-money-with_1659833.jpg", "width": 1080, "height": 1080, "caption": "“People who fail to accumulate money, without exception, have the habit of reaching decisions, if at all…” — Napoleon Hill", "creditText": "SMS4Smile Quotes", "creator": { "@id": "https://sms4smile.com/quotes/#organization" } } }, { "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://sms4smile.com/" }, { "@type": "ListItem", "position": 2, "name": "Quotes", "item": "https://sms4smile.com/quotes/" }, { "@type": "ListItem", "position": 3, "name": "Napoleon Hill", "item": "https://sms4smile.com/quotes/author/napoleon-hill/" }, { "@type": "ListItem", "position": 4, "name": "People who fail to accumulate money,...", "item": "https://sms4smile.com/quotes/napoleon-hill/people-who-fail-to-accumulate-money-without-exception-have-the-habit/" } ], "@id": "https://sms4smile.com/quotes/napoleon-hill/people-who-fail-to-accumulate-money-without-exception-have-the-habit/#breadcrumb" }, { "@type": "WebSite", "@id": "https://sms4smile.com/quotes/#website", "name": "SMS4Smile Quotes", "url": "https://sms4smile.com/quotes/", "publisher": { "@id": "https://sms4smile.com/quotes/#organization" } }, { "@type": "Organization", "@id": "https://sms4smile.com/quotes/#organization", "name": "SMS4Smile Quotes", "url": "https://sms4smile.com/quotes/", "logo": { "@type": "ImageObject", "url": "https://sms4smile.com/quotes/wp-content/themes/sq/assets/icons/icon-512.png", "width": 512, "height": 512 } } ] } ```