1. Millionaires Are Smarter(他们更聪明？)
People tend to put millionaires on a pedestal: They must be better or smarter than everyone else in order to achieve that goal. But that general statement simply isn’t true. Millionaires are ordinary people who have achieved extraordinary goals, but they make mistakes like everyone else. They may misspell words; they may even have learning disabilities. They’ve likely been in debt and had to dig themselves out. They’ve had ideas and businesses fail. Most of the ones I interviewed for my book have worked their way up the ladder, learning and stumbling along the way.
2. Millionaires Are Just Luckier(他们更幸运？)
Millionaires are the luckiest among us, right? They won the lottery, struck gold with their very first attempt at launching a business or haphazardly landed their dream jobs with massive salaries. Not so: Pure luck is not a factor in achieving success. Rather, truly successful people make their own luck. After all, a million-dollar idea is worth nothing without execution.
3. Millionaires Live Lavishly(他们生活得很奢侈？)
When you think of millionaires, you may picture people living in luxurious mansions and driving expensive sports cars. The reality? Millionaires are often the people next door: They drive Hondas and Volvos. They’re frugal (57 percent of the ones I interviewed described themselves as such). They often spend their money on necessities and a few things that are very important to them. Think Warren Buffett: The celebrated multi-billionaire famously still lives in the Omaha, Neb. house he bought in 1958 for $31,500.
4. Most Millionaires Were Born Into Money(他们大都生来富有？)
Another common myth is that millionaires were born into money or inherited it. But that's not often the case. In a recent survey, Fidelity Investments found that 86 percent of millionaires are self-made. And among the more than 100 millionaires I interviewed for my book, each was self-made and only 26 percent of them said they even had connections to important people beforehand.
5. Millionaires Have to Be Fearless(他们必须无所畏惧？)
Though it may seem like the only way to become a millionaire is to forge full-steam ahead and assume a lot of risk, fears are totally normal — even for the ultra-successful. Fifty-seven percent of the millionaires I surveyed said they were scared before starting their own business — scared of failure, disappointing their spouses or their families, scared of losing everything.
6. They Earn Million-Dollar Paychecks(他们赚的都是大钱？)
It’s true that many millionaires have earned their money by starting (or selling) their own businesses or finding high-paying positions within organizations. But this certainly isn’t the only way to amass $1 million. In his book “Millionaire Teacher,” Andrew Hallam explains how he saved over $1 million as a teacher well before retirement age, outlining how he used low-cost index funds and a disciplined approach to saving, investing and living on a budget to build a nest egg most of his fellow teachers would envy.
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