the "millionaire routine" is BS

The speaker challenges the conventional wisdom around wealth-building routines by asserting that commonly promoted habits—waking up early, meditating, exercising—are not mandatory for achieving wealth. He provides examples of extremely successful people across the spectrum: some wake at 11 AM and are far wealthier than him, while others wake at 4 AM and credit their success to that schedule. The speaker emphasizes that these differing approaches prove there are no absolute rules in wealth-building. Instead of adhering to prescriptive morning routines, the core principle is simply working harder and maintaining focus. The speaker contends that whether someone is a night owl working until 3 AM or an early riser starting at 4 AM is irrelevant—the real determinant of success is what you accomplish during your waking hours and your efficiency level while working. He particularly notes that this principle applies strongly to making money online, where the timing of work becomes even less relevant than traditional business models.