“One of the reasons that millionaires are economically successful is that they think differently.”

“Wealth is more often the result of a lifestyle of hard work, perseverance, planning, and, most of all, self-discipline.”

“Multiply your age times your realized pretax annual household income from all sources except inheritances. Divide by ten. This, less any inherited wealth, is what your net worth should be.”

“The foundation stone of wealth accumulation is defense, and this defense should be anchored by budgeting and planning.”

“It’s easier to accumulate wealth if you don’t live in a high-status neighborhood.”

“If you’re not yet wealthy but want to be someday, never purchase a home that requires a mortgage that is more than twice your household’s total annual realized income.”

“The “some college,” “four-year college graduate,” and “no college” types who have high incomes often had a head start on many well-educated workers.”