{"id":38533,"date":"2021-06-14T11:20:57","date_gmt":"2021-06-14T15:20:57","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=38533"},"modified":"2026-05-07T12:18:27","modified_gmt":"2026-05-07T16:18:27","slug":"habits-of-millionaires","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/habits-of-millionaires\/","title":{"rendered":"The Top 4 Habits of Millionaires You Need to Know"},"content":{"rendered":"\n<p>What are the habits of millionaires? Can you adopt the habits of rich people to become a millionaire?<\/p>\n\n\n\n<p>The top habits of millionaires are frugality, excellent time management, stock investments, and a tendency to shun high-status vehicles. You can also become a millionaire if you are willing to control your spending and focus on building your wealth.<\/p>\n\n\n\n<p>Read more to discover the habits of millionaires that made them rich.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-millionaires-are-frugal-nbsp\"><strong>Millionaires Are Frugal&nbsp;<\/strong><\/h2>\n\n\n\n<p><strong>The word that best describes many millionaires is \u201cfrugal,\u201d<\/strong> which means using your resources economically and not being wasteful.<\/p>\n\n\n\n<p>However, frugality has a bad name in our consumption-oriented society, which celebrates lavish lifestyles. For instance, we often admire celebrities and millionaire athletes for their gaudy mansions and expensive tastes. But, while they\u2019re millionaires in terms of income, most highly paid athletes are not <a href=\"https:\/\/www.shortform.com\/blog\/hub\/personal-life\/finance\/what-is-real-wealth\/\">truly wealthy<\/a> because they shun the <a href=\"https:\/\/www.shortform.com\/blog\/habits-of-success\/\">success habits<\/a> of millionaires.\u00a0<\/p>\n\n\n\n<p>For example, a ballplayer that doesn&#8217;t have the habits of rich people might make $5 million a year but only have a net worth of $1 million\u2014he should actually be worth <em>$15 million or more<\/em>. He shows off his wealth instead of building it. His millionaire status is probably temporary.<\/p>\n\n\n\n<p>If such an under-accumulator of wealth gets an increase in income, he spends it. People that ignore the success habits of millionaires opt for <a href=\"https:\/\/www.shortform.com\/blog\/immediate-gratification\/\">immediate gratification<\/a>. They view life as a game show where winners enjoy quick cash and showy gifts such as large boats. (Game shows are about instant gratification\u2014they don\u2019t offer anything of long-term value like tuition money.)<\/p>\n\n\n\n<p>In contrast, <strong><em>not<\/em><\/strong><strong> spending\u2014being frugal\u2014is the foundation of the top habits of rich people<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-millionaires-drive-used-cars\"><strong>Millionaires Drive Used Cars<\/strong><\/h2>\n\n\n\n<p>Millionaires believe financial <a href=\"https:\/\/www.shortform.com\/blog\/maturity-continuum-7-habits\/\">independence<\/a> is more important than displaying social status. Consequently,<strong> millionaires don\u2019t drive high-status vehicles. They often buy quality vehicles that are several years old<\/strong>, and they never lease or finance them.<\/p>\n\n\n\n<p>In addition,<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fewer than 25% drive a current year model.<\/li>\n\n\n\n<li>Only 23% of millionaires own new cars.<\/li>\n\n\n\n<li>A quarter haven\u2019t bought a car in four or more years.<\/li>\n\n\n\n<li>37% buy used vehicles.<\/li>\n\n\n\n<li>80% purchase rather than lease.<\/li>\n<\/ul>\n\n\n\n<p><strong>Millionaires understand that new cars are overpriced<\/strong>. Buying a two- or three-year-old car is a bargain because the original owner has paid for the steepest depreciation. Many millionaires sell these vehicles in a few years and get nearly what they paid for them.<\/p>\n\n\n\n<p>In the 1990s, when this book was written, most millionaires favored full-sized American-made vehicles, which were less expensive and less trendy. In order, the most popular brands among millionaires were: Ford, Cadillac, Lincoln, Jeep\/Lexus\/Mercedes (a three-way tie), Oldsmobile, Chevrolet, Nissan\/Volvo, and Chrysler\/Jaguar.<\/p>\n\n\n\n<p><strong>Most car buyers that lack the habits of millionaires spend 30% of their net worth on a vehicle, while millionaires spend only 1%<\/strong>. In contrast, high-income under-accumulators will spend many times more on cars than prodigious accumulators do. They shun the success habits of millionaires and own multiple vehicles, usually the latest luxury models, and often lease them. Because they\u2019re so status-conscious, <strong>high-income spendthrifts erroneously believe people always drive the most expensive car they can afford<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-millionaires-invest-in-stocks\"><strong>Millionaires Invest in Stocks<\/strong><\/h2>\n\n\n\n<p><strong>Fully 95% of millionaires own stocks. Most keep 20% or more of their wealth in publicly traded stocks.<\/strong><\/p>\n\n\n\n<p>However<strong>, very few millionaires\u2014less than one in 10\u2014are <a href=\"https:\/\/www.shortform.com\/blog\/investing-for-the-future\/\">active traders<\/a><\/strong>. Most don\u2019t closely track the daily ups and downs of the markets or trade stocks in response to current events\u201432% keep their investments for more than six years; only 9% hold them for less than a year.<\/p>\n\n\n\n<p>It\u2019s expensive and time-consuming to trade constantly. Active traders or brokers often spend more time trading than thinking about and planning investments. They don\u2019t accumulate much wealth because they don\u2019t give investments enough time to grow. Further, any short-term gains are taxed.&nbsp;<\/p>\n\n\n\n<p>In contrast, millionaires spend more time managing a small number of stocks. <strong>They\u2019re focused investors, often investing in industries they\u2019re knowledgeable about<\/strong>. Millionaires prefer to deal with brokers who study the markets and don\u2019t act precipitously.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-millionaires-use-time-and-money-efficiently\"><strong>Millionaires Use Time and Money Efficiently<\/strong><\/h2>\n\n\n\n<p><strong>To <a href=\"https:\/\/www.shortform.com\/blog\/building-wealth\/\">build wealth<\/a>, you must use time and money efficiently<\/strong>. People who adopt the habits of millionaires and under-accumulators take vastly different approaches.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prodigious accumulators spend significantly more time budgeting expenses and planning investments, which enable them to accumulate wealth. As a result, they don\u2019t spend time worrying about a precarious financial future.<\/li>\n\n\n\n<li>In contrast, high-income under-accumulators of wealth focus on maintaining their present high-consumption lifestyle. They don\u2019t control or budget expenses, and they don\u2019t spend nearly as much time as prodigious accumulators in planning investments. As a result, under-accumulators worry about not being able to live comfortably in retirement.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What are the habits of millionaires? Can you adopt the habits of rich people to become a millionaire? The top habits of millionaires are frugality, excellent time management, stock investments, and a tendency to shun high-status vehicles. You can also become a millionaire if you are willing to control your spending and focus on building your wealth. Read more to discover the habits of millionaires that made them rich.<\/p>\n","protected":false},"author":10,"featured_media":8623,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7,31],"tags":[379],"class_list":["post-38533","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","category-money","tag-the-millionaire-next-door","","tg-column-two"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Top 4 Habits of Millionaires You Need to Know - Shortform Books<\/title>\n<meta name=\"description\" content=\"What are the habits of millionaires that made them rich? 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