{"id":48049,"date":"2021-09-07T11:16:31","date_gmt":"2021-09-07T15:16:31","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=48049"},"modified":"2021-09-14T15:35:39","modified_gmt":"2021-09-14T19:35:39","slug":"wealth-mentality","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/wealth-mentality\/","title":{"rendered":"How to Retire as a Millionaire: Adopt a Wealth Mentality"},"content":{"rendered":"\n<p>How do rich people view money? What role does mindset play in <a href=\"https:\/\/www.shortform.com\/blog\/building-wealth\/\">wealth building<\/a>? <\/p>\n\n\n\n<p>Most people think of money in terms of what it can buy. If you want to build wealth and achieve financial <a href=\"https:\/\/www.shortform.com\/blog\/maturity-continuum-7-habits\/\">independence<\/a>, you must adopt a wealth mentality and start thinking about money in terms of what it can earn. With this mindset, even lower-income earners can become wealthy by limiting their spending and investing whatever they don\u2019t need for expenses.\u00a0<\/p>\n\n\n\n<p>Here is why you should rethink your idea of money if your goal is to build wealth. <\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Do You Want to Retire as a Millionaire? <\/h2>\n\n\n\n<p>Most people don\u2019t start their working life thinking they will retire as a millionaire, or thinking about becoming financially independent so they can quit work as soon as possible. However, any middle-class wage earner is capable of reaching one or both of these goals by accumulating wealth over time through compounding.<\/p>\n\n\n\n<p>With compounding, the money you invest earns interest, and you add the interest to the original sum, making it larger so it earns even more interest. <strong>With compounding, a relatively small amount of money invested in stocks grows significantly.<\/strong><\/p>\n\n\n\n<p>Here\u2019s how it works. Based on the average market return of 11.9% a year with dividends reinvested from 1975-2015:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>If you invested $12,000 in stocks in 1975, it would have been worth $1,077,485 in 2015.<\/li><li>If you didn\u2019t have a lump sum and instead invested just $130 a month or $1,650 a year for 40 years, you would have ended up with $985,102.<\/li><li>By simply increasing your $130 a month to $150 or $1,800 a year, you would have accumulated $1,136,656.<\/li><\/ul>\n\n\n\n<p>This would have happened despite the market ups and downs over that 40-year period, including the 2008 financial crisis.<\/p>\n\n\n\n<p>In terms of <a href=\"https:\/\/www.shortform.com\/blog\/achieving-financial-independence\/\">achieving financial independence<\/a> (the point where you can live on 4% a year of your investments):<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>If you made $25,000 a year and invested half or $12,500, you could be financially independent in around 11.5 years (drawing 4% a year on accumulated wealth of more than $312,500 and continuing to live on $12,500 a year).<\/li><li>If you chose to live on your full salary of $25,000 when your nest egg reached $312,500, and just left your nest egg alone for 10 years, it would grow to $961,946 without your adding anything. If you quit your job after 10 years, you could draw $38,478 a year at a rate of 4%.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How to Think About Spending<\/strong><\/h3>\n\n\n\n<p><strong>Many people can\u2019t build wealth because they live a high-consumption lifestyle relative to their income<\/strong>\u2014they spend whatever they make and therefore have no money to save and invest.<\/p>\n\n\n\n<p>Even high-income people have trouble making ends meet or they go broke by overspending. For example, boxer Mike Tyson ended up bankrupt in 2003 despite earning over $300 million\u2014he blew it on fleets of luxury vehicles, Siberian tigers, a 21-bedroom mansion, an entourage of hangers-on, and more.<\/p>\n\n\n\n<p>This is how most people think about money\u2014in terms of what it can buy. That&#8217;s also why many lottery winners end up broke within a few years. But if your goal is to build wealth, you must adopt the wealth mentality and view money as a tool for earning, rather than a means for spending. <\/p>\n\n\n\n<p>Even if you overspent in the past, it\u2019s never too late to start thinking differently about money and how to use it. Remember the \u201csimple path\u201d formula: spend less than you make, invest the extra, and stay out of debt\u2014and you can \u201cbuy\u201d your financial independence.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Think About Opportunity Costs<\/strong><\/h4>\n\n\n\n<p>Collins doesn\u2019t argue that you should <em>never<\/em> spend money, just that you should understand all the implications when you do\u2014including the <a href=\"https:\/\/www.shortform.com\/blog\/opportunity-cost-decision-making\/\">opportunity cost<\/a>, which is what you give up when you choose one thing over another.<\/p>\n\n\n\n<p>For example, if you spend $20,000 cash for a car, your opportunity cost\u2014what you give up by choosing to spend $20,000\u2014is the interest or dividends the money could have earned had you invested it. If you invested $20,000 in Vanguard\u2019s VTSAX index fund (more on this fund later), it would earn $1,600 a year or about 8%. That\u2019s your opportunity cost for the first year; over 10 years, because of compounding, you\u2019d miss out on earnings of $16,000 (the amount would have been higher had you reinvested your earnings each year).<\/p>\n\n\n\n<p>Similarly, if you take out a car loan and have to make payments for five years, the opportunity cost is not having that money available to invest monthly and build wealth.<\/p>\n\n\n\n<p>However, once you <a href=\"https:\/\/www.shortform.com\/blog\/become-financially-independent\/\">become financially independent<\/a>, compounding keeps your nest egg growing while you withdraw 4% a year to spend\u2014so spending has little opportunity cost.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How do rich people view money? What role does mindset play in wealth building? Most people think of money in terms of what it can buy. If you want to build wealth and achieve financial independence, you must adopt a wealth mentality and start thinking about money in terms of what it can earn. With this mindset, even lower-income earners can become wealthy by limiting their spending and investing whatever they don\u2019t need for expenses.\u00a0 Here is why you should rethink your idea of money if your goal is to build wealth.<\/p>\n","protected":false},"author":7,"featured_media":38243,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[31,43],"tags":[483],"class_list":["post-48049","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money","category-self-improvement","tag-the-simple-path-to-wealth","","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>How to Retire as a Millionaire: Adopt a Wealth Mentality - Shortform Books<\/title>\n<meta name=\"description\" content=\"Most people think of money in terms of what it can buy. But if your goal is building wealth, you must adopt a different mentality. Read more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.shortform.com\/blog\/wealth-mentality\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Retire as a Millionaire: Adopt a Wealth Mentality\" \/>\n<meta property=\"og:description\" content=\"Most people think of money in terms of what it can buy. But if your goal is building wealth, you must adopt a different mentality. Read more.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.shortform.com\/blog\/wealth-mentality\/\" \/>\n<meta property=\"og:site_name\" content=\"Shortform Books\" \/>\n<meta property=\"article:published_time\" content=\"2021-09-07T15:16:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-09-14T19:35:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/s3.amazonaws.com\/wordpress.shortform.com\/blog\/wp-content\/uploads\/2021\/06\/prodigious-accumulator-of-wealth.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Darya Sinusoid\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Darya Sinusoid\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.shortform.com\/blog\/wealth-mentality\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/wealth-mentality\/\"},\"author\":{\"name\":\"Darya Sinusoid\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/0421cce75bc249b11e2517b3a91f9c46\"},\"headline\":\"How to Retire as a Millionaire: Adopt a Wealth Mentality\",\"datePublished\":\"2021-09-07T15:16:31+00:00\",\"dateModified\":\"2021-09-14T19:35:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/wealth-mentality\/\"},\"wordCount\":763,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/wealth-mentality\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2021\/06\/prodigious-accumulator-of-wealth.jpg\",\"keywords\":[\"The Simple Path to Wealth\"],\"articleSection\":[\"Money\",\"Self-Improvement\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.shortform.com\/blog\/wealth-mentality\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.shortform.com\/blog\/wealth-mentality\/\",\"url\":\"https:\/\/www.shortform.com\/blog\/wealth-mentality\/\",\"name\":\"How to Retire as a Millionaire: Adopt a Wealth Mentality - Shortform Books\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/wealth-mentality\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/wealth-mentality\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2021\/06\/prodigious-accumulator-of-wealth.jpg\",\"datePublished\":\"2021-09-07T15:16:31+00:00\",\"dateModified\":\"2021-09-14T19:35:39+00:00\",\"description\":\"Most people think of money in terms of what it can buy. 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