(an Italian immigrant with no formal education). Here is what he said, “If you make $10.00 and spend $11.00 you will always be poor, Did you know that a large percentage of today’s millionaires have accumulated their wealth in one generation. No we are not talking about people who have some special education, or achieved superior investment performance, or won the lottery, or even people who inherited it. We are talking about people like you and me who work for a living but somehow managed to accumulate great wealth.

But how did they do it you may ask? Their secret can be revealed in a saying my Uncle once shared with me, that he passed down from my grandfather (an Italian immigrant with no formal education). Here is what he said, “If you make $10.00 and spend $11.00 you will always be poor, b

ut people who have some special education, or achieved superior investment performance, or won the lottery, or even people who inherited it. We are talking about people like you and me who work for a living but somehow managed to accumulate great wealth.

But how did they do it you may ask? Their secret can be revealed in a saying my Uncle once shared with me, that he passed down from my grandfather (an Italian immigrant with no formal education). Here is what he said, “If you make $10.00 and spend $11.00 you will always be poor,

it. We are talking about people like you and me who work for a living but somehow managed to accumulate great wealth.

But how did they do it you may ask? Their secret can be revealed in a saying my Uncle once shared with me, that he passed down from my grandfather (an Italian immigrant with no formal education). Here is what he said, “If you make $10.00 and spend $11.00 you will always be poor,

d they do it you may ask? Their secret can be revealed in a saying my Uncle once shared with me, that he passed down from my grandfather (an Italian immigrant with no formal education). Here is what he said, “If you make $10.00 and spend $11.00 you will always be poor, (an Italian immigrant with no formal education). Here is what he said, “If you make $10.00 and spend $11.00 you will always be poor, but if you make $10.00 and save just $1.00 you will always have money.” Believe it or not it is that simple. The majority of today’s millionaires achieved that status by spending less than they earned over long periods of time.

The key difference is a change in mindset not a change in income or investment return. Most millionaires are more concerned with the independence and security that having money brings, than spending money to have the appearance of wealth.

According to recent research surveys most millionaires are not o