The problem for many of us is that it is easy to find rich role models. It's harder to find wealthy ones because by definition their success is more hidden. People are good at learning by imitation but the hidden nature of wealth makes it hard to imitate others and learn from their ways. If wealth is what you don't spend what good is it? Well let me convince you to save money. The first idea, simple but easy to overlook, is that building wealth has little to do with income or investment returns and lots to do with your savings rate.