Secrets of self-made millionaires

All self-made millionaires will tell you the same thing. Here are three of the moves you have to make so you can make your own fortune:

1. Set your sights on the prize. You must adapt intense concentration when you're working on your goal. You have to be determined to put in the long hours and do all the hard work to ensure your success. In this sense, you have to be passionate about what you're doing. When faced with setbacks, tell yourself, "No, this is your dream. Recommit and get to work."

2. See the possibilities in the money you have. Don't despair over starting small. All successful self-made tycoons start out that way. When extra money rolls in, it's easy to think, "Now, I can buy that new TV." But if you want to get rich, you need to pay yourself first, by putting money where it will work hard for you--whether that's in your retirement fund, a side business or investments like real estate.

3. Curb the urge to spend. Every self-made mogul will tell you that you must live below your means. Do not spend any single cent on things you don't need.

Remember that you don't have to be a genius to be a millionaire. (Although that wouldn't hurt.) Loral Langemeier, author of The Millionaire Maker, advises, "Everyone has a marketable skill. Just keep in mind that when you start making extra money, you have to invest in yourself first." This way, you would empower yourself with the insights to improve your skills or come up with more awesome innovations for your business or product."

Bottom line: The combination of financial savvy, hard work, and business smarts will take you very far. Perhaps, one day, you'll be right at the top of the list of self-made millionaires.

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