What makes a millionaire? A tireless work ethic? A high IQ?
Dumb luck? Good financial karma?

None of the above, says Kathleen Gurney, Ph.D., author of "Your Money Personality" and CEO of Financialpsychology.com. Her study reveals that a set of behavioral characteristics is what does it.



What makes a millioniare? A tireless work ethic? A high IQ? Dumb luck? Good financial karma?
None of the above, says Kathleen Gurney, Ph.D., author of "Your Money Personality" and CEO of Financialpsychology.com. Her study reveals that the following set of behavioral characteristics is what does it.


1. Millionaires are optimistic.


2. Millionaires are nncritical of their own mistakes. Nothing really throws them.


3. Millionaires take action. They don't get locked in analysis-paralysis.


4. Millionaires listen for opportunity. They don't spend time thinking about what's wrong or why something didn't work.


5. Millionaires have a master plan. i.e., Yale class of 1953 -- 3% had written down their financial goals for after college. When they convened in 1973, that 3% controlled more combined net worth than the other 97% combined.


6. Millionaires feel they deserve every penny they make. There's no guilt.


7. Millionaires are savvy investors (usually save between 15-20% of their income yearly); they know that more risk generates more income.


8. Millionaires do what they love and find a way to make money at it.


9. Millionaires surround themselves with people who believe in them and support their goals. "The general population," says Brian Koslow, author of 365 Ways to Become A Millionaire, will even be in primary relationships with people who don't believe in them, which is very sad--like having a lead weight attached to your ankle."


10. Millionaires are very confident about their money-making skills and love of doing it. "The 'Money Masters,'" says Gurney, as she calls them, "said that if they lost all their money for some reason, they wouldn't be very anxious, because they would just do it over again."P
If you want to become a millionaire, start thinking like one! Now you know how.