Wealth is what you accumulate, not what you spend.

Whatever your income, always live below your means.

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

Anybody with a reasonable income can become financially independent in a lifetime.

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

Money should never change one’s values…. Making money is only a report card. It’s a way to tell how you’re doing.

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

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

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

Millionaires are risk-takers, and they don't become millionaires until they're 40 or 50. It's a slower process than a lot of people think.

The reason that so few people are financially independent today is that they place many negative roadblocks in their heads. Becoming wealthy is, in fact, a mind game.

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.

There are lots of things about millionaires that make them pretty ordinary, but what's not ordinary is their ability to accumulate wealth, how hard they work, and what they do for a living.

If you want to catch a cold, hang out with sick people. If you want to lose, associate with losers. But if you want to become successful, go out of your way to associate with successful people.

Building a business is like building a home. If the foundation rests on an unstable setting or is constructed with subpar materials, it doesn't matter if the rest of the home is perfect. It will never be a joy to its owner

If you are creative enough to select the ideal vocation, you can win, win big time. The really brilliant millionaires are those who selected a vocation that they love, one that has few competitors but generates high profits.

I am not impressed with what people own. But I’m impressed with what they achieve. I’m proud to be a physician. Always strive to be the best in your field…. Don’t chase money. If you are the best in your field, money will find you.

Grades don't measure tenacity, courage, leadership, guts or whatever you want to call it. Teachers or any other persons in a position of authority should never tell anybody they will not succeed because they did not get all A's in school.

Most people have it all wrong about wealth in America. Wealth is not the same as income. If you make a good income each year and spend it all, you are not getting wealthier. You are just living high. Wealth is what you accumulate, not what you spend.

There are about 300,000 neighborhoods in the United States, and more than half of them have at least one millionaire living there. Most millionaires drive American cars. Out of the top 30 or 40 makes and models, Ford is number one, with about 10 percent of the market share.

Before you can become a millionaire, you must learn to think like one. You must learn how to motivate yourself to counter fear with courage. Making critical decisions about your career, business, investments and other resources conjures up fear, fear that is part of the process of becoming a financial success.

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