The Top 5 Ways to Become a Millionaire – How to Become a Millionaire

Anyone Can Become a Millionaire by Following a Few Simple Steps

Becoming a millionaire isn’t all that difficult and there are countless ways to achieve that milestone. Some people do it through real estate, others start their own business, while some simply get lucky by winning the lottery or winning big on a game show. What is even more interesting is that you don’t have to be wealthy to begin with nor do you have to earn six figures to reach this goal.

I know some people who earn well over $100,000 and all they have to show for it is a large mortgage payment and a fancy car that depreciates faster than a glass of milk left outside in the summer sun. Anyone can become a millionaire and there are five things you need to do to have the best shot of making that a reality.

1. Earn Income.

Clearly, the more money you make, the faster you can reach that milestone, but that doesn’t mean your average Joe with a average income can’t obtain millionaire status. The current median income in this country ranges between $35,000-$60,000 depending on where you live. Better yet, get married so you have dual incomes. The wonderful thing about having dual incomes is that even with two people in the household, your income may double, but your expenses typically don’t.

If you don’t earn even an average income, all is not lost. It is up to you to do something about it. A negative attitude about your job or your earning potential won’t change anything. Be proactive and make the decision to improve your situation. It is your life, so take control and realize that things don’t change overnight. It may take a few years of slow growth before you reach the point where you want to be, but you can do it if you try. Remember, short of inheriting money from a relative or winning the lottery, you will need reasonable income to become a millionaire.

2. Live Within Your Means.

Ok, so you have income but now what? It doesn’t matter how much money you make if you spend it all or spend even more than you make. It might be nice to eat out at nice restaurants every night, or to always be on the cutting edge of designer fashion but, this will only make you look like millionaire to others instead of actually being a millionaire. This doesn’t mean you have to live a miserable and miserly lifestyle, but you simply need to live reasonably. The bottom line is buying things and acting like a millionaire if you aren’t will simply empty your bank account and give people a false impression of your status, but that’s it.

Start by purchasing a home that you can comfortably afford and drive vehicles that suit your lifestyle without straining your budget. You don’t have to be pulling down $75,000 a year and drive a 1992 Civic Hatchback or live in a dump, but throwing your money at a 4,000 square foot home in a gated community with luxury cars or SUVs that cost as much as one year of your salary won’t help you become a millionaire. Some may argue that an expensive home and real estate in general is a good way to become a millionaire, but I will touch on that later.

3. Save Money.

This isn’t rocket science but if you earn a reasonable income and you live within your means, guess what, you will probably have money left over to save. But that’s exactly the problem. Most people treat savings as an afterthought, or something that only gets attended to after all the other bills are paid. People pay bills, buy things, and then whatever is leftover they try to save. That is the wrong way to save. I’m sure you’ve heard it before, but pay yourself first. Whether it is $100 a month or $1,000 a month, think of the savings as a bill that needs to be paid and do it regularly. If you are unable to save money you will find that your only wealth is in the form of material things. So, you need to start saving every month and you need to make it happen automatically. An online savings account can accomplish this for you, and on top of that you’ll be earning better interest on that money than you would be at your local bank. Here are a few online banks with current rates to check out.

4. Invest Wisely.

Now that you are saving money, you need to invest it wisely. Sticking it under the mattress or slowly building up in a savings account isn’t going to help you reach your goals any faster. You don’t have to read the Wall Street Journal or watch CNBC everyday while actively managing your portfolio in order to be a good investor. Some of the best investment advice is to simply invest regularly and in a diversified portfolio. If you do this you’ll already be doing more than most people and on your way to building wealth.

It is also important to remember that real estate is part of your investment picture, but it shouldn’t be all of it. Too many people stake almost everything they have into a primary residence and expect it to appreciate in value. Just like any investment, generally speaking, over time you will make money. There isn’t much debate about that, but relying heavily on real estate is no different than if you rely on one stock to fund your retirement. So, begin with opening up an investing account and put your money to work. It doesn’t matter if you are investing in stocks, bonds, or index funds, but keeping costs down helps you keep more of your own money. One of the best and cheapest places to start investing is at TradeKing.

You can become a millionaire by simply buying a single stock and holding onto it for 20 years if it goes up significantly just like you can buy a $500,000 home and have it double in value in 20 years, but that’s a pretty risky proposition. Take a lot of the risk out of the picture by making sure all of your eggs aren’t in the same basket and develop an investment strategy that will provide steady growth over the years..

5. Stick With Your Plan.

Finally, if you have done the previous four items the only thing left to do is to continue doing it and stick to the plan. As far as income is concerned, always be on the lookout for ways to increase your income, whether it is through climbing the ladder at your current job, finding work elsewhere, or maybe even starting a business on the side. Increased income will mean you can save even more, provided you aren’t foolishly spending the additional money. As that additional money gets tucked away into savings or investments it will continue to grow even more quickly.

It Isn’t Hard to Do if You Work at It

Unfortunately, most people are looking for a way to get rich quick or to capitalize on the next big thing. It is true that some people have made their wealth through playing the real estate market, while others have done so by investing in a few stocks that exploded, but this is the exception and not the norm. If the above list seems overly simplistic, that’s good. There are no secrets to becoming a millionaire and almost anyone has the chance to make it happen. The process is simple:

1. Make money
2. Don’t spend all of your money
3. Save some money
4. Invest that money at TradeKing
5. Repeat

Certainly, there are many factors in play that can make this easier or more difficult for different people. This is simply the process that you can use in order to reach that goal, whether it is in 5 years or 50, if you follow a few basic steps you can do it.

Author: Jeremy Vohwinkle

My name is Jeremy Vohwinkle, and I’ve spent a number of years working in the finance industry providing financial advice to regular investors and those participating in employer-sponsored retirement plans.

148 comments
FabricioFS
FabricioFS

Im from peru and this is a wonderful way to become and a successful person. nice article

DarioEM
DarioEM

Currently I am implementing all five strategies and it's working, of course.


The only part I disagree with is TradeKing. Not everyone is attracted to nor do most have the skills, insight or even desire to invest in stocks. Aside from that, everyone who desires to become wealthy should implement these 5 tips in their lives.


Thank you for posting.

gpoloso
gpoloso

Great article! Well, here are three steps that have helped me become successful. They are general steps but can be applied specifically to your own journey to becoming a millionaire.

1)Having a clear and definite goal:

Set an intention and focus on it with unwavering faith that you will achieve it.

2)Create a strategy for successfully achieving that goal:

You have to have a working system for generating income that is manageable and affordable.

3)Simplify every step and action:

You mustn’t over complicate things or you will lose your focus and strength to keep moving. Times will be hard so you need to have clarity of mind at all times.

4)Take action:

Start today! Do not wait to feel ready before you begin. The feeling will come as you progress, because it is in your successful progressive actions that you will begin to see your wealth being created. A dollar a day has a compound effect that generates millions overtime.

We live in a world of infinite possibilities. Your choice will decide which possibility is yours. But it only begins when you begin. Heres a quote from a multi-millionaire,author of the book “Year to success” about affiliate marketing, which is a good place to start.

“Affiliate marketing has made businesses millions and ordinary people millionaires.”

Bo Bennett

Katy Car Insurance
Katy Car Insurance

I agree with you Jeremy and I'm sure a lot of people when reading will say that they know this and they know that..etc.. And i agree with some comments here that despite this knowledge, many people won't be able to do this. Lack of perseverance and discipline, perhaps?

Tavius
Tavius

Some very good points there!

When you can have a solid income, and avoid getting into the credit trap, you can make the big difference in your life that you need!

I agree that a solid investment will help you, and the thing more than anything that I am really strong on is PERSISTENCE!

When you get back up, and keep going, THAT is when you will see the results.

When you look at people like Edison, who failed thousands of times before getting the light bulb, you see how important it IS to know your dream and keep going!



VeryMillionaire
VeryMillionaire


Great article Jeremy! I couldn’t agree with you more. I guess the moment we start earning, we should start saving – I truly believe in this and I have been doing this- it really works! My rule is to – plan - stick with it - and work hard for it! You have to be a crazy hard-worker if you wish to take the lead! 

aziz
aziz

I become a millionaire just before i retire...now money works for me ...I start saving 30 years ago..and invest in compound investment..the power of compound interest is superb..

JTHO
JTHO

Right on, sounds easy, but turns out to be harder than it looks. Discipline - for steps 2 and 3 - and knowledge combined with pure hard work - for step 5 - is where most people come short. A bit like playing golf - looks real easy and almost anyone has what it takes become a pro, and yet only few will be willing to do what it takes to be real good at it.

Jay Aspenwood
Jay Aspenwood

Great summary, Jeremy! After all the process of becoming a (multi-)millionaire really is simple, so it's puzzling why so few actually go for it. I guess the devil is in the details: people find it amazingly hard to live beneath their means and therefore don't manage to save much, so there is little (or nothing) they can invest. Those who manage to invest something, often do it more like a gambler rather than an investor, which results in low or negative returns. Some manage to do all of this for some while, but then give up when results don't appear quick enough. Maybe it's just a lack of motivation and discipline, or lack of belief that this simple process could really make you wealthy. Yet, those who try it and stick to it, are so amply rewarded that it again makes me wonder why everyone doesn't do it!

rich smith
rich smith

Rich

The plan is good an it worked for me. I always had a nice house an decent cars . The wife worked part time an in later years made reasonable money as a teachers assistant. During the years my son was in College at a top school we spent almost nothing on ourseleves or the house and were able to pay almost all the cost out of current income. I retired at age 56 when I was offered a corporate buy out . Its been 10 years an I have never looked back. My Net worth now is in excess of 2.5 M.

We started with nothing other then two used cars an a income of about $200 a week

My advise to anyone is to invest the maximum in a 401 plan at work each week or any investment plan. Also yoiu should not be cheep but watch where an how you spend your money. Remember it real easy to be lazy

SocialTradingAula
SocialTradingAula

Great facts. Thank you for that summary.  Now i start working to earn my frist million :)

Linus
Linus

Great article! I really like how you show the way it goes. Having an income, minimizing expenses and investing. However, there are different speeds on how to make it to become a millionaire.

Jeremy Shapiro
Jeremy Shapiro

These are really good tips. If you are interested in the psychological level of the spending/saving issue might want to check out my regular column on The Psychology of Money and Happiness. The column is about this: No matter how shrewd we are about money management, serious efforts to restore financial health usually require us to reduce our consuming, and rather than being miserable about that, we can use psychological strategies to get more happiness from less stuff. Check it out!

nippermh
nippermh

IF you get married your income typically doubles but your expenses don't...clearly never married!

SmigRobustus
SmigRobustus

God.  Another DR clone.  Dave Ramsey is good for ONE thing, and one thing only.  If you follow his stuff, you will never go into debt.  Never.  ANd don't believe for one minute that HE is an example of his method working.  HE is a MASTER salesman........99% of people aren't. 

 

Yeah, you have a good chance of becoming a millionaire this way......WHEN you are around 70, and thats IF you start in your twenties.  Who the HELL wants to live "like noone else" for 50 years, and THEN enjoy it for 5-10??  And do you really expect me to believe that a person who spends 50 years of his life being an annoying cheapskate (yeah, making your kids a christmas present out of dryer lint will teach them responsibility!) will, all of a sudden, retire and start spending lots of money and enjoying themselves??!!! Please.  They lived cheap, they will retire cheap and they will DIE cheap.  SO, their kids will make out on this deal, and thats a good thing, I admit.

 

If you get a thrill out of opening those statements and seeing your "riches" in figure form....well, then this way of accumulating wealth works for you.  IF, however, you want to acquire the items that most people associate with RICH, well, then, you willl be miserable for MOST of your life.

 

 

MujtabaNajemiMushy
MujtabaNajemiMushy

I been try all those steps but I couldn't make it I just safe 25 and I want for a long holiday to Europe

KBuyt
KBuyt

Sounds easy when you put it that way but I think there might be a bit more to it.


imgoingtovegas2
imgoingtovegas2

Well I know you have to be focus if you want to become rich! I am working on my second million, I made my first million in real estate! Goggle (Million Dollar Leases) and you can learn how to make your first million also!!

SourceStreams
SourceStreams

If you’re going through things and you haven’t achieved your goals yet, you will … as long as you don’t give up. Someone much wiser than us once said, “Success is more about perspiration than inspiration.” We take that to mean that many, many people are inspired every single day, the ones who succeed actually do something about it.

GoldenKing
GoldenKing

My family became a millionaire so thanks for the tips it took them 5 to 6 years to become one.

rsb571
rsb571

A little long winded but just stay with me... My wife and I came to the US (to a small farm community in northern CA) as an immigrant 35yrs ago with 3 young kids (1yr, 2yr, 3yr olds), no English speaking skills, just a 3rd world high school education (which is probably equivalent to an 8th grade education here), no marketable skills, and just enough money for the plane ticket here and a 4yr old car when we got here. We first stayed with my sister in law and her husband for about 4 months while my wife and I worked in the fields in the summer harvesting fruit. After scrimping and saving we found our own old and broken down rental out in a peach orchard - it was the only one we could afford that would allow us to save. We continued working in the fields each summer thereafter and, as our 3 children grew , they helped working in the fields on the weekends and summers. Each child started helping out at about the age of 5 yrs old, so we could increase our earnings. The younger ones would play in the field where we worked. The farmers didn't care, so they let us bring our kids. Over time, we, all 5, would work in the summers harvesting fruit and getting paid for each box filled. We were the slowest among the workers and filled the fewest boxes, but we persevered summer after summer. Then about 4-5 yrs after arriving in the US I got a farm job for the off season but on days it would rain, I didn't have any work at all, so no pay. We never had health insurance so we tried hard to stay healthy. But at least I was able to earn some more money in addition to the summer earnings. So there we were, about 4-5 yrs after arriving, working in the fields, I made minimum wage with my farm job and my young family making a combined of less than minimum wage in the summer (remember how I said we got paid piece work and filled the fewest boxes?) - essentially, one min wage job and another 1/2 min wage job. But we persevered. Our kids would start working weekends at the start of summer and miss the 1st 2 weeks of school at the start just to get that extra income before the summer came to a close each year. But we all pulled together, saved for enough of a down pmt on a small house in town so we could afford the mortgage pmt and still be able to save. We splurged here and there (eating out a few times a year, buying a few nice things and keeping them FOREVER (new TV, new car, new furniture, new appliances), new clothes for school each year (never the trendy ones though - they cost too much - the kids knew how hard it was to earn a buck so they were happy for just the new clothes even if they weren't trendy). Needless to say, we didn't 1) buy morning coffees, 2) go out to lunch, 3) take vacations, 4) Waste stuff only to have to buy a replacement, 4) waste money on junk food, only the nutritional basics (we just couldn't afford to do that AND save some for when there was no work due to rain). We ran into some medical problems, needing a few surgeries that ended up costing as much as a new car each time. But we needed it, didn't have insurance, and had the savings so we had to pay. But we still persevered. We lived simply and saved simply. We didn't get into investing in anything other than CD's. I couldn't even begin to understand that stock stuff so I avoided it. This continued for over a decade. Then my kids were in high school and got jobs at fast food so they made min wage - a step up from the field work and we saved their earnings as well. They would work 2 jobs in the summer - fields during the day and fast food during the evening/night - it was tough but it was only for the summer. As time went on, our WHOLE FAMILY COMBINED, FINALLY STARTED EARNING maybe about 2/3 of what an elementary school teacher earned (my uncle was one and I remember him alone earning more than our whole family earned). But we persevered. While my kids were in high school, we saved and eventually bought a bigger and nicer house in a nicer neighborhood and eventually paid it off. I still made min wage, wife worked doing seasonal work, kids help on weekends/summers. My kids went to a local community college and drove from home each day - the traditional going away to college was WAY TOO EXPENSIVE. All 3 still worked weekends fast food and both, fast food and field work, during summers. I still earned min wage and my wife worked seasonal during the summers. With a few scholarships, financial aid, we were able to pay for college. They then transferred to a nearby university, still drove each day from home to college, while maintaining the weekend/summer work. Again, with a little from scholarship, some financial aid, and working ALOT we paid for their college. Upon finishing college, all 3 moved out to where the jobs were. I still worked min wage, my wife, seasonal work. But we saved and didn't waste it and lived simple lives. We then bought a bigger house, paid cash, in a nicer neighbor hood (with doctors, dentists, and pharmacists as neighbors) but we still live the same, no reason to change lifestyles. We also have enough for retirement but we continue to work. My neighbors don't believe I work in the fields. I don't care, it's not my job to make them believe. To make a long story even longer, my WHOLE point is that you can STILL DO IT EARNING MIN WAGE! You don't have to go as extreme as we did but you CAN STILL DO SOMETHING TO GAIN WEALTH! People who will NEVER have any wealth will only focus on excuses and come up with ALL kinds of holes and weaknesses in my story. People who WILL generate wealth will see the same story and come away encouraged to do better.

No1live
No1live

Hey Jeremy,

Good solid advice and I guess in one way it's normal to say it looks easy reading how you've explained it...

However, it's doing things in a strategic, concise and consistent manor that really is the difficulty and having the discipline to work towards one's target and not let life get in the way of your end goal - That I feel is the difficulty really for most people.  I especially liked your section on; 'Saving' and it's all to familiar to view our saving cash as the money we have left after everything else is paid for.  This needs a serious mindset shift for us mare mortals.  I do like funding these gem of information online.  


Once again thanks for the great info...

thinkpositive
thinkpositive

@When you feel like your in a deep dark hole and feeling low and depressed, remember there is an

opening to climb out, you need patience and a positive attitude to get out.   There is always an answer and its up to you to decide whether the solution is in your favor or not.    When you drop your apple in dirt you can eat it still if you wash it or let it grow, to receive more fruit.   So...sometimes to lose you must have faith to gain.   Its like a joke I was told -   There was a kid playing in a pile of horse manure laughing and throwing it over his shoulder with excitement.   A passerby perplexed by this boys happiness in it, asked "why are you so happy in it?"   the boy replied "A horse did this and I'm going to find it and keep it"   How positive can one be..in shit but happy to find something from it!   

richinlove
richinlove

I agree that being a millionaire cant make you happy inside yourself but it can give you the things you want and the lifestyle youd like to live. I know of someone who won a million and had no more illnesses! seriously. no more stress.

DwightAnthony
DwightAnthony

Wholeheartedly couldn't agree with you more Jeremy on the steps to take on how to become a millionaire.  I've jotted a few of these down to start applying and taking action on.

 

Dwight Anthony

FinanciallyEliteBlog.com 

tobereket
tobereket

I agree with you Jeremy those stepts with willingness of mind should see someone into millionaire states.

 

www.become-millionaire.org

BrandonPipkin
BrandonPipkin

Jeremy,

 

I'm with you on the first three for sure. I interviewed 21 millionaires to find out how and why they did what they did and without exception all 21 did the first three very well.

 

Some made their money without really investing, and most made their money almost accidentally, but these were entrepreneurs, so I wasn't looking for those who made millions over time, instead I was specifically looking for those who had made a significant amount of money in a short period of time.

 

What they did doesn't quite match up with Danielle's plan, but she may indeed get there.

 

www.21for21.com

 

Brandon

 

DanielleJCharles
DanielleJCharles

The main point is to not necessarily work hard but SMART!...Get Rich Quick methods don't really work..But a good investment and some proactive methods should get you there. I will be a millionaire within 3 years by the age of 31...I've already begun the process necessary and I am only doing what I like/love. Life is about being free and able to live how you want.  People who have made it to Millionarie/Billionaire status aren't the Norm! The Norm is for Regular Middle Class Citizens who work day in and day out til they retire til they're 60+!!! Extraordinary Living is only for those who want it enough to do something about it. www.createwealthfreedom.com

black_Diamond
black_Diamond

my neighbor's sister makes $66 an hour on the laptop. She has been fired from work for five months but last month her check was $18890 just working on the laptop for a few hours. Here's the site to read more at lazycash23.com

hypecomments
hypecomments

Saving and Investing in Real Estate is a great way to build wealth, Buy wholesale and sell retial is also another good option, all you need to do is identify something which can turn a profit, no matter how small and keep compounding it until substancial wealth is attained. It may take a while so one has to be diligent and patient.

 

http//:www.resultsmlm.com/how-to-get-rich.html         

gatlaramu
gatlaramu

yes i will become a millionaire in the year 2018

success does not come to me i will  go to it.

thankQ  jeremy vohwinkle

gatlaramu
gatlaramu

nothing is impossible to a willing heart.

 

Becomingrichiseasy
Becomingrichiseasy

I completely agree. My advice is to get a good job then live in a very cheap apartment or home. Then INVEST as much of that money as possible ( try to invest in property as this will give you a gradual increaseing income income) so the name of the game is the more you invest, the more you get and with that money invest MORE! This makes becoming rich a guarantee, it's really that simple. And just something to add if you work for a boss, the boss will ALWAYS be making more money by USEING your brain affectively to make his money. So be your own boss and you do all the work and get all the money and desire you would ever want.

AlbertoPadulsok
AlbertoPadulsok

to be a millionaire dream for it... make your desire become real and possible, when you reach that goal, throw them away and again dream for it.

eric
eric

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Eric
Eric

Do you really think that by becoming rich, you will gain something other than money? What will you do with the money after earning it? Save more money by strangling your happiness? Everyone has a destiny, so we should leave our fortune up to it. If we are already bestowed with so much happiness already, why destroy it just for the greed of money? Remember this, by becoming millionaires, greed for more will always be there. These 5 steps listed above in the article sure seem easy to do, but the author has not given full justice. Although they have simplified the ong journey in 5 simple step, they haven't listed all the difficulties that need to be faced in this journey. If we are destined to such fortune than let it come to us. Somewhere within everyone is rich, maybe not in money, but atleast from the heart...

mo_hav_mo_want
mo_hav_mo_want

Becoming a millionaire is a status.
Be happy with what you have, but don't ever stop improving yourself or your income level. Remember, the more you have
the more you want. If you have a million you want a billion. If you have a billion you want a trillion and so on and so on. Being financially stable and healthy is a good card of hand to have in the game of life, but most people forget what sort of stress and problems also comes along with it. My point is being a millionare will not make you more or less happy. The pursuit of happiness lies in our own actions. We are our own creator of heaven and hell.

mike craig
mike craig

great advice, of cource its commin sense but not that many people have that.Im only 21 and very focused i no with following these steps i will make it, adding a little extra side huslte's, and my own business strategy's i to will become a millinaire.thank's

Pete
Pete

very positive word but I wonder if they are still valid given the curent stste of the finacial markets? Who would but shares today? I was a mortgage broker and financial advisor on a relatively high income, but now I have been unemployed for 6 months. My savings have gone and no job is on the horizon. I had thought to start my own company but with no money and experience only in financial services what can I do? I remain optomistic but really I am out of ideas and of course being the wrong side of 40 doesnt make things easier. I would be glad of constructive comments.

MoneyEnergy
MoneyEnergy

Great post (very common sense) and interesting comments. Way to go Susan (above) who became a millionaire in only 7 years by following the steps in this post...

I started out at age 22 in equity investing. Got my investment funds (IFICS Canada) certification for my own benefit, and now it's almost ten years later. I'm no millionaire yet, but I've also been in university the whole time. I can't wait to earn a real salary, because with what I know now about how to invest, whhooosh! My accounts will grow like gangsbusters:)

Mark S
Mark S

I would also add one more thing. Stay out of debt. Credit cards with high interest and buying cars that go down in value will keep you poor. If you have no debt, the money going to loans can be saved and invested.

Mr Rana
Mr Rana

You can become a millioanaire. I think you need to have your average income and then something on the side. Work hard in life. Its the only way to become rich honestly otherwise if it falls on your lap you will just be greedy and stuck up. Working hard makes you reap the rewards and you feel money is hard to come by and value it more.

bader
bader

becoming a millionare is something we all need but too hard to get since we spend too much on things we like and cant live without it

chance
chance

YES....its a beautiful thing to become a millionaire and its very easy,if you stick to the plain and follow your heart and not dreams.really whats the point of millstone ,your going to drive to the same place eat the same food,the only different is more money more prob!

joe in lebanon
joe in lebanon

i think if you want to become a millionaire quickly you have to be dodgy lol

kris142
kris142

@KBuyt Totally agree with you on this one.. It's not impossible, but it's also not that easy. It all depends on the person, I guess. I know a few people who made it big by starting with a small capital using short term loans so I know it's possible. You just have to be determined to reach your goal. 

kmccartttt
kmccartttt

 @gatlaramu

 im 16 from boston, can you email me i have a few questions? thanks! kmccartttt@gmail.com