Here are five frugal(朴素的) habits that many of the upper class have adopted to build long-lasting wealth and financial independence:
Drive a modest car. Your car should only serve the purpose of getting you safely and comfortably from point A to point B—nothing more. Let Facebook founder Mark Zuckerberg, who drives a modest $30,000 Acura TSX entry-level sedan, be your role model on this one.
Buy a modest house. Warren Buffett famously still lives in the Omaha, Neb., home he bought back in 1958 for $31,500. Take Buffett’s cue and don’t overwhelm yourself with a large monthly mortgage payment. Buy a modest and comfortable home and use the money you save to build your savings and retirement fund.
Don’t carry wads if possible. Try to avoid traveling with a wallet packed with cash. According to Bankrate.com, 86 percent of people who spend cash on luxuries like expensive cars, jewelry, and electronics are non-millionaires trying to act the part by purchasing luxury brands. Instead, follow the example of oil mogul T. Boone Pickens, who famously shops with a grocery list and only carries the amount of cash he needs to make purchases.
Don’t pay full price. A great way to keep more of your money is by not paying full price on anything. Hilary Swank, who has an estimated net worth of $40 million, is commonly seen using coupons at the grocery store. Michelle Obama often opts to shop at Target or H&M rather than high-end department stores. A great way to build wealth is to have a frugal mindset and use the money you save on consumer goods to build your investments and savings accounts.
Have an action mentality. Almost all self-made millionaires have one thing in common: They are people of action. They don’t sit around feeling sorry for themselves waiting for something good to happen to them, as opposed to the people who I would say have the “lottery mentality.”
真正富有的人会把收入分为投资和存款，然后过着奢而不靡的生活。但首先，你要先变成一个富有的人。
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