This article is pretty right on some points. Most millionaires are just good earners (but not rich) who live under their financial capacity, and saved over a lo

This article is pretty right on some points. Most millionaires are just good earners (but not rich) who live under their financial capacity, and saved over a long time. Because of the compound effect, it is also much more important to save while young. But of course everything is a trade off: a good dinner for networking or a set of new clothes (think you may have to buy a suit to meet your first customer) can produce a positive return.