The Millionaire Next Door by Thomas J. Stanley and William D. Danko

The Millionaire Next Door by Thomas J. Stanley and William D. Danko

Stanley and Danko spent twenty years surveying American millionaires and found that most of them do not look like millionaires. They live in ordinary houses, drive used cars, and have never owned a suit costing more than a few hundred dollars.

The seven factors they identify are all behavioural: living well below your means, allocating time and money efficiently, valuing financial independence over social status, and — the chapter that stings — not subsidising adult children, which the data shows reliably produces adults who cannot support themselves. High income and wealth turn out to be only loosely related.

A million-copy bestseller and one of the most-cited books in personal finance.

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