The 80/20 Millionaire: The Few Habits That Create Most Millionaires
The Personal Finance Podcast
Where millionaires invest: retirement accounts and index funds
Andrew explains that most millionaires use 401(k)s, IRAs, and low‑cost index funds as their primary investment vehicles.
In this episode of The Personal Finance Podcast, Andrew shatters the biggest lie about millionaires—that they're born rich or got lucky—by revealing that 80% built their wealth from scratch, with teachers, engineers, and regular folks who never earned six figures proving you don't need a trust fund to win with money. He exposes how real millionaires actually live: driving Hondas instead of BMWs, using coupons, and putting 17% of their income into boring index funds while everyone else chases get-rich-quick schemes that keep them broke. This episode cuts through all the financial noise to show you the four simple habits that create 80% of millionaire results, proving that building wealth isn't about being smart or lucky—it's about doing a few basic things consistently while everyone else gets distracted by shiny objects.
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