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In The Millionaire Next Door, read by Cotter Smith, Stanley (Marketing to the Affluent) and Danko (marketing, SUNY at Albany) summarize findings from their research into the key characteristics that explain how the elite club of millionaires have become "wealthy." Focusing on those with a net worth of at least $1 million, their surprising results reveal fundamental qualities of this group that are diametrically opposed to today's earn-and-consume culture, including living below their means, allocating funds efficiently in ways that build wealth, ignoring conspicuous consumption, being proficient in targeting marketing opportunities, and choosing the "right" occupation. It's evident that anyone can accumulate wealth, if they are disciplined enough, determined to persevere, and have the merest of luck. In The Millionaire Mind, an excellent follow-up to the highly successful first analysis of how ordinary folks can accumulate wealth, Stanley interviews many more participants in a much more comprehensive study of the characteristics of those in this economic situation. The author structures these deeper details into categories that include the key success factors that define this group, the relationship of education to their success, their approach to balancing risk, how they located themselves in their work, their choice of spouse, how they live their daily lives, and the significant differences in the truth about this group vs. the misplaced image of high spenders. Narrator Smith's solid, dead-on reading never fails to heighten the importance of these principles that most twentysomethings should be forced to listen to in toto. Highly recommended for all public libraries. Dale Farris, Groves, TX Copyright 2001 Reed Business Information, Inc. --This text refers to an out of print or unavailable edition of this title.

Tables

Introduction

1: Meet the Millionaire Next Door

2: Frugal Frugal Frugal

3: Time, Energy, and Money

4: You Aren't What You Drive

5: Economic Outpatient Care

6: Affirmative Action, Family Style

7: Find Your Niche

8: Jobs: Millionaires versus Heirs

Acknowledgments

Appendix 1

Appendix 2

Appendix 3

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有意给予赠款供消费之用和支持某种生活方式，会产生什么效果呢？我们发现，用这种方式给予赠予，是富人的成年子女缺乏生产效率的唯一最重要因素。

勇气意味着坚定的信心，敢于面对危险或十分艰难棘手的局面。勇气是可以培养和发展的。但是，勇气不可能在消除了一切风险、一切危险和一切艰难的环境中培养出来。

与消极财富积累者相比，积极财富积累者每月花费两倍的时间策划他们的金融投资。

一个人越早将收入用于投资，积累财富的机会就越多。

成年之后，你应该尽早挣钱、投资。

金钱作为一种资源，不应该被白白浪费。

财务计划、经济预算和生活节俭都是财富积累的基本要素。

多入少出，开源节流。

投资首选要做的就是存钱。

每个月制订一份购物清单，每个月都计算出每个消费品项还能分配多少钱；每年年底计算每个消费品项的年度总开支，制订下一年的消费预算及每个品项的费用分配比例。

制订预算的目的是将15%的税前年收入存下来用于投资。

奢侈品是败家的最佳途径。

汽车看重品质，不租车，不借贷。

不在乎生活水平的高低。

与那些受雇于人的人相比，自主经营的人更能掌控自己未来的经济形势。

花大量时间做理财计划，将管理个人资产置于其他事宜之前。

一个人用自己的收入去投资开始得越早，积累财富的机会也越大。

受过良好教育的人一般在财富积累上滞后的另一个原因，是因为社会给他们规定了应取得的地位。大夫以及其他获得高级学位的人，人们都期望他们扮演自己的角色。

将财富放在容易升值而非注定减值的投资上，比如汽车。

如果你得到了一件显示地位的产品，你就可能还要购买别的产品去填补空白，充分显示夺目的光彩。

因为要花更多更多的收入去'画完这幅美景'。

The typical millionaire in our surveys has a total annual realized income of less than 7 percent of his wealth. This means less than 7 percent of his wealth is subject to some form of income tax.

Millionnaires know that the more they spend, the more income they must realize. The more they realize, the more they must allocate for income taxes. So millionnaires and those who will likely become affluent in the future adhere to an important rule: To build wealth, minimize your realized (taxable) income and maximize your unrealized income (wealth/capital appreciation without a cash flow)

Most millionaires measure their success by their net worth, not by their realized income. For the purposes of wealth building, income doesn't matter that much. Once you are in a high-income bracket, say $100,0...

Rules for affluent parents and productive children

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The incredible national bestseller that is changing people's lives -- and increasing their net worth! CAN YOU SPOT THE MILLIONAIRE NEXT DOOR? Who are the rich in this country? What do they do? Where do they shop? What do they drive? How do they invest? Where did their ancestors come from? How did they get rich? Can I ever become one of them? Get the answers in The Millionaire Next Door, the never-before-told story about wealth in America. You'll be surprised at what you find out....