<ul><li class="ql-align-justify">Most rich people don’t show off.</li><li class="ql-align-justify">They buy normal houses and cars.</li><li class="ql-align-justify">They save and invest a big part of their income.</li></ul>

1. Millionaires today still live simply

<ul><li class="ql-align-justify">Millionaires work hard for many years.</li><li class="ql-align-justify">They don’t depend on luck or big gifts.</li><li class="ql-align-justify">They believe success comes from discipline.</li></ul>

2. Hard work is more important than luck

<ul><li class="ql-align-justify">They always save a part of what they make.</li><li class="ql-align-justify">They plan before buying expensive things.</li><li class="ql-align-justify">They are careful with their money every day.</li></ul>

3. They spend less than they earn

<ul><li class="ql-align-justify">Many have college degrees, but not always from fancy schools.</li><li class="ql-align-justify">Smart money habits beat fancy diplomas.</li><li class="ql-align-justify">They keep learning new skills even after school.</li></ul>

4. Education matters — but financial habits matter more

Wealth consists not in having great possessions, but in having few wants.

<ul><li class="ql-align-justify">They don’t get rich overnight.</li><li class="ql-align-justify">They invest small amounts over many years.</li><li class="ql-align-justify">They believe in slow and steady growth.</li></ul>

5. Patience and time build wealth

Simplicity is the ultimate sophistication.

<ul><li class="ql-align-justify">Success means freedom, not fancy stuff.</li><li class="ql-align-justify">They value time with family, health, and peace of mind.</li><li class="ql-align-justify">Real millionaires care more about happiness than showing off.</li></ul>

10. They define success differently

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<ul><li class="ql-align-justify">They stick to routines (budgeting, investing, saving).</li><li class="ql-align-justify">They are organized with time and money.</li><li class="ql-align-justify">They keep emotions out of money decisions.</li></ul>

9. They have strong habits and discipline

<ul><li class="ql-align-justify">They teach kids to earn, not just take money.</li><li class="ql-align-justify">They give advice, not handouts.</li><li class="ql-align-justify">They want their kids to work hard too.</li></ul>

8. They raise their kids to be independent

<ul><li class="ql-align-justify">Many millionaires run small businesses.</li><li class="ql-align-justify">They like working for themselves.</li><li class="ql-align-justify">They control how they earn and spend money.</li></ul>

6. Self-employment is still a good path

<ul><li class="ql-align-justify">They don’t buy just to impress people.</li><li class="ql-align-justify">They choose quality over brand names.</li><li class="ql-align-justify">They care about value, not fashion.</li></ul>

7. They don’t waste money on status

Do not save what is left after spending, but spend what is left after saving.

Secrets Rich People Don't Want You to Know

The companion book to the New York Times best-selling The Millionaire Next Door Is the millionaire next door still out there today? The latest research from Dr. Thomas J. Stanley and his daughter, Dr. Sarah Stanley Fallaw, confirms that yes, the millionaire next door is alive and well. And he's achieving his financial objectives much the same way he always has: by living below his means, by being a contrarian in a maelstrom of hyper-consumption, and by being disciplined in reaching his financial goals. The book examines wealth in America over twenty years after Dr. Stanley's groundbreaking work on self-made affluence. While a new generation of household financial managers is being inundated with the proliferation of financial advice, The Next Millionaire Next Door provides readers with an analysis of what it takes to achieve wealth with data-based conclusions and evidence from those who have built wealth on their own over the last two decades. In this current work, the authors detail how specific decisions, behaviors, and characteristics align with the discipline of wealth building, covering areas such as consumption, budgeting, careers, investing, and financial management in general. Through case studies, survey research, and a careful examination of quantitative studies of wealth, the authors illustrate what it takes to achieve financial success today, regardless of market conditions or rising costs. Book jacket.

4. Education matters — but financial habits matter more

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