Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this. --Dave Ramsey

This is about middle class millionaire.  By living within your means, saving money for investment and earning passive income, you can become a millionaire as well.  Remember, patience is a virtue.  Wealth doesn’t accumulate over night.  It’s a life-time practice and discipline. 

Frugality is the first step of building wealth.  Control our desire of buying stuff we don’t need and spending money on luxury goods.

Use savings for investment in the long run.  Ordinary people can just invest in index funds.  Over the long term, investment will accumulate.  Be patient.  Compounding takes time.

Real estate investment, dividends, interests are ways to earn passive income.  Money flow your way even while you are sleeping.    

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