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The wealthiest people in the world are ritualistic. They develop and follow a set of rules and principles when it comes to money. One of the biggest revelations is that it is a neutral entity. It is not a respecter of persons, whether on the account of race, gender, colour, tribe, religion, or any feature of any kind. Little wonder there are wealthy people in all nations of the world. The secret to having great wealth is that it is anchored on a set of beliefs and mindsets. If you don’t cultivate a culture of growing and sustaining wealth, having so much money in your account won’t make any difference. In this article, having studied the life and the mindset of millionaires, I dish out the valuable money culture they have. 
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  • They Spend Below Their Income

The wealthy don’t spend to impress people like the middle class does. They spend below their income by living on a budget. The ultra-wealthy people believe that their income is for taking care of themselves as well as taking care of their businesses. It is very rare for wealthy people who worked hard for their money to spend them extravagantly. Unlike so many fraudsters who engage in ostentatious living, because their wealth is stolen, the legitimately rich people live within their means. 
  • They Invest In Assets

The wealthy people are strong believers in investments. They invest in long-term money-spinning ventures. When they earn, they take out their expenses for the month and invest the remainder and surpluses back into their business. This was what Aliko Dangote, CEO, and Founder of Dangote Group, confirmed. There are various assets the wealthy invested in. They invest in real estate, they buy stocks and shares from blue-chip companies, they invest capital in new businesses with great prospects, and they invest in themselves by expanding wealth creation abilities such as buying books, attending industry events, and so on.
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  • They Don’t Invest In What They Don’t Understand 

One of the reasons why millions of people have lost so much money and plunged themselves into poverty is because they invested their money into black holes. What does this mean? Black holes are ventures that consume unnecessary capital with zero returns. However, it is very rare for the ultra-wealthy to invest in schemes they don’t understand. This is why most victims of Ponzi schemes are the middle class and the poor. You can hardly sell a Ponzi scheme to a wealthy man. The wealthy have a knack for studying and researching every business before investment. They can spend months watching the operations of the business. They want to understand the business model and how it makes its profits before they can trust their money into such a venture. Little wonder, Warren Buffet, one of the wealthiest men in the world does not believe in cryptocurrency due to its complications. He sees crypto as a Ponzi scheme or at best a bubble investment.
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  • They Have an Abundance of Mindset

For the poor, they believe that there is little in the world that is available to go around. This mindset is called the “scarcity mindset”. The effect of a scarcity mindset on an individual is that it induces fear, and doubt and hinders them from seizing opportunities. On the other hand, the wealthy have an abundance mindset. Having an abundance mindset means seeing the limitless potential in life. It means they can see the potential in themselves, and everyone around them. As a result, they intentionally drive themselves toward creating the life they want. According to Stephen Covey, “An abundance mentality springs from internal security, not from external rankings, comparisons, opinion, possessions, or associations.”  Featured Image Source: Forbes
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This article was first published on 9th May 2022


Nnaemeka is an academic scholar with a degree in History and International Studies from the University of Nigeria, Nsukka. He is also a creative writer, content creator, storyteller, and social analyst.

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