Frugality

Frugality means resisting the temptation to spend more than you earn.

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Money

Self-made millionaires choose moderation over extremes. They often buy used cars, don't live in the most expensive houses and don't try to time the investment market.

A defining characteristic of many millionaires are their willingness to work hard and stick it out in high-paying careers until they are financially independent.

Self-made millionaires create a personal vision, set goals and actively pursue those goals. They allocate their time, energy and resources effectively.

Even if they hire an outside financial adviser, they still monitor the budget to ensure the investment portfolio matches the level of risk taken.

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