-made. Most didn’t inherit their money – they earned it themselves through their work as executives or business owners. And most of them are well educated, as 90 percent are college graduates with over half of them holding advanced degrees. TheyMost of the wealthiest people in the world don’t look that way at first glance. You’d never look at them twice in an elevator or on the street, in fact. That’s because the truly wealthy don’t flash their money by driving high-profile cars or wearing designer clothes. The surprising fact about genuinely wealthy people is that, unlike middle-class folks who try to look richer than they are, the really rich aren't big spenders.

According to the book “The Millionaire Mind” by Thomas J. Stanley, millionaires are far less profligate with their money than most people think. For starters, they live below their means and have very little debt – most of them pay off their credit cards every month, and over a third of them have no mortgages on their homes. They put a large amount of income into savings and investments – 20 percent, on average – and they think about value when they shop, driving older cars and wearing off-the-rack clothes.

Millionaires are also self-made. Most didn’t inherit their money – they earned it themselves through their work as executives or business owners. And most of them are well educated, as 90 percent are college graduates with over half of them holding advanced degrees. They

ring designer clothes. The surprising fact about genuinely wealthy people is that, unlike middle-class folks who try to look richer than they are, the really rich aren't big spenders.

According to the book “The Millionaire Mind” by Thomas J. Stanley, millionaires are far less profligate with their money than most people think. For starters, they live below their means and have very little debt – most of them pay off their credit cards every month, and over a third of them have no mortgages on their homes. They put a large amount of income into savings and investments – 20 percent, on average – and they think about value when they shop, driving older cars and wearing off-the-rack clothes.

Millionaires are also self-made. Most didn’t inherit their money – they earned it themselves through their work as executives or business owners. And most of them are well educated, as 90 percent are college graduates with over half of them holding advanced degrees. They

J. Stanley, millionaires are far less profligate with their money than most people think. For starters, they live below their means and have very little debt – most of them pay off their credit cards every month, and over a third of them have no mortgages on their homes. They put a large amount of income into savings and investments – 20 percent, on average – and they think about value when they shop, driving older cars and wearing off-the-rack clothes.

Millionaires are also self-made. Most didn’t inherit their money – they earned it themselves through their work as executives or business owners. And most of them are well educated, as 90 percent are college graduates with over half of them holding advanced degrees. They

mortgages on their homes. They put a large amount of income into savings and investments – 20 percent, on average – and they think about value when they shop, driving older cars and wearing off-the-rack clothes.

Millionaires are also self-made. Most didn’t inherit their money – they earned it themselves through their work as executives or business owners. And most of them are well educated, as 90 percent are college graduates with over half of them holding advanced degrees. They

-made. Most didn’t inherit their money – they earned it themselves through their work as executives or business owners. And most of them are well educated, as 90 percent are college graduates with over half of them holding advanced degrees. They weren’t the valedictorians, however. Most were ‘B’ students, coming out of college with an appreciation for hard work and discipline. Over half of them attend church at least once a month, with over a third of millionaires considering themselves very religious.

So what does this mean to you? It means that the rich aren’t as different from the rest of us as we imagined. Very few of the inherited their money – that means that it’s possible for you to become a millionaire yourself, if you find the right combination of opportunity, attitude and commitment. When asked by Stanley what the ingredients of success were, luck wasn’t a factor. Their answer: integrity, discipline, social skills, a supportive spouse, and hard work.

The biggest difference between the wealthy and everyone else is that they’re investors rather than consumers. They’re frugal with their spending, keeping a close watch on how much they spend on disposable items that offer no return on thei