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

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

“Great offense and poor defense translate into under accumulation of wealth.”

“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.”

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

“Good health, longevity, happiness, a loving family, self-reliance, fine friends … if you [have] five, you’re a rich man….”

“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.”