Founder of the website Rich20Something.com - has simple rules for anyone who wants to "highly productive"—

-Get up early:  You'll perform better and be looked at as someone who gets things done if you get up at 6 a.m. instead of 11 a.m. 

-Know what you want:  Start every day with a clear intention of what you want to accomplish, preferably with a focused meditation.

-Work out: Whether you like it or not, having a strong body is just as important as having a strong mind.

Add to that…according to a new study, people who sleep in cooler temperatures are healthier than those who fire up the thermostat at night.

- Helps decrease your risk of certain diseases, like diabetes.

- Colder-sleepers burn more calories throughout their day.- Sleeping in cooler temperatures keep you looking younger