What Makes Up 90% of All Millionaires? You Won't Believe It

You’ve probably heard a lot about millionaires—their wealth, lifestyle, and how they got to where they are. But what if I told you that 90% of millionaires have something in common that most people wouldn’t expect? No, it’s not crazy investments in high-risk stocks or selling a startup for billions. It’s something much simpler and, dare I say, unexpected. Let’s dive into this mind-blowing truth that will change the way you look at wealth.

The Surprising Truth About 90% of Millionaires

When most people think of millionaires, they picture tech moguls, flashy entrepreneurs, or lottery winners. It’s easy to think that wealth is a result of luck, genius, or a crazy breakthrough idea. But here's where it gets shocking: most millionaires didn’t build their wealth overnight. They didn’t do it by taking big risks or making massive bets on the next hot thing.

Instead, the vast majority of millionaires (like 90% of them, seriously) made their fortunes by doing something far more boring—they invested wisely. They didn’t try to hit it big in one shot. Instead, they were disciplined, patient, and focused on steady wealth-building over time.

How Do They Build Wealth?

Here’s the kicker: they did it by saving, investing in real estate, and building solid businesses that grow over time. It’s all about creating a consistent strategy and sticking to it. Take a minute to let that sink in. You don’t need to be an investing genius or a Silicon Valley superstar to become a millionaire. You just need to follow the principles that the majority of millionaires have been following for decades.

I recently had a conversation with my friend John, who’s a financial planner. He mentioned that the typical millionaire he works with isn't necessarily the flashy tech mogul type, but rather someone who's built wealth gradually through low-risk investments, solid property ownership, and disciplined saving. No quick riches. Just steady progress.

The Power of Compound Interest: Why It Works

One of the biggest secrets behind this 90% of millionaires’ success is compound interest. You've heard of it, right? I know—it sounds too good to be true. But the longer you stay invested, the more your money grows. It's like a snowball effect: small gains start to pile on top of each other and boom, you’re talking about serious wealth over time.

Take, for instance, a retirement fund. Imagine you invest just $200 a month for 30 years with an average return of 7% per year. That’s about $200,000 invested. But after 30 years, your account will have grown to over $500,000 due to compound interest! Yes, that extra $300,000 didn’t come from magic—it’s the power of compounding. It’s slow, but it's oh-so-powerful.

Building Multiple Streams of Income

Here’s another surprising fact: a lot of millionaires have more than one stream of income. They might have a side business, rental properties, stocks, and other investments all working for them at the same time. It’s all about diversification.

I’ve personally seen this in action. My friend Laura, who’s now a millionaire by the way, started with a small real estate investment. Over the years, she branched out into a couple of side businesses. None of her ventures are massive, but they all add up to a nice chunk of change. The key is consistency.

You might be thinking: But I don’t have time for multiple income streams. I get it. It’s tough. But trust me, with the right mindset and a little patience, it’s totally possible.

The Millionaire Mindset: Discipline Over Glamour

Let's take a moment to talk about mindset. I know—this sounds like some motivational speaker talk, but hear me out. Millionaires are a lot less about flashy cars and luxury vacations than they are about long-term goals and delayed gratification.

I can’t tell you how many times I’ve caught myself thinking, “I’ll get that expensive gadget next month.” But guess what? That “next month” never comes, and I’m always left spending on things that don’t really matter. Millionaires are great at saying “no” to impulse purchases and staying focused on what really moves the needle.

Patience and Consistency: The Secret Ingredients

What sets the 90% apart from the rest is their patience. They understand that it’s the long game that gets you there. You won’t get wealthy by flipping stocks in a week or starting some wild side hustle that makes you a millionaire overnight. No, it's about putting in the time, making sacrifices, and taking calculated risks.

Real Estate: The Favorite Wealth-Building Tool

Here’s the thing that’s often overlooked: real estate. Yeah, those property investments your uncle keeps talking about? Well, it turns out he’s onto something. It’s one of the most consistent ways to build wealth over time. Millionaires know that a solid property can generate income and appreciate in value. Plus, it’s something tangible. You can touch it, manage it, and most importantly, rent it out to bring in passive income.

Take this story: I know someone who bought a modest home back in 2008 for under $200,000. Fast forward to today, and that property is worth over $500,000. It’s not a mansion, but it’s solid, and it’s a great example of real estate growing in value.

Wrapping It Up: You Can Be Part of the 90%

Okay, so you’re probably wondering: Can I really do this? Is it possible for me to join the 90% of millionaires who didn’t get rich by chance? The answer is: absolutely. It won’t happen overnight, and it might feel like you're not getting anywhere fast, but as long as you stick to the game plan, you’ll get there.

Start by educating yourself. Save what you can, invest wisely, and keep building your wealth. You don’t need to be the next Mark Zuckerberg to make it big. Just keep a clear vision, focus on your goals, and most importantly—don’t give up. Trust the process, and soon enough, you might just find yourself in that 90% of millionaires.

Take it from me: this path isn’t glamorous, but it works. And hey, I’m learning that the hard way too. But every small step counts. Ready to get started? It’s time to make that wealth-building plan of yours a reality.

Is 165 cm normal for a 15 year old?

The predicted height for a female, based on your parents heights, is 155 to 165cm. Most 15 year old girls are nearly done growing. I was too. It's a very normal height for a girl.

Is 160 cm too tall for a 12 year old?

How Tall Should a 12 Year Old Be? We can only speak to national average heights here in North America, whereby, a 12 year old girl would be between 137 cm to 162 cm tall (4-1/2 to 5-1/3 feet). A 12 year old boy should be between 137 cm to 160 cm tall (4-1/2 to 5-1/4 feet).

How tall is a average 15 year old?

Average Height to Weight for Teenage Boys - 13 to 20 Years

How to get taller at 18?

Staying physically active is even more essential from childhood to grow and improve overall health. But taking it up even in adulthood can help you add a few inches to your height. Strength-building exercises, yoga, jumping rope, and biking all can help to increase your flexibility and grow a few inches taller.

Is 5.7 a good height for a 15 year old boy?

Generally speaking, the average height for 15 year olds girls is 62.9 inches (or 159.7 cm). On the other hand, teen boys at the age of 15 have a much higher average height, which is 67.0 inches (or 170.1 cm).

Can you grow between 16 and 18?

Most girls stop growing taller by age 14 or 15. However, after their early teenage growth spurt, boys continue gaining height at a gradual pace until around 18. Note that some kids will stop growing earlier and others may keep growing a year or two more.

Can you grow 1 cm after 17?

Even with a healthy diet, most people's height won't increase after age 18 to 20. The graph below shows the rate of growth from birth to age 20. As you can see, the growth lines fall to zero between ages 18 and 20 ( 7 , 8 ). The reason why your height stops increasing is your bones, specifically your growth plates.