Accumulators of wealth spend less of what they earn be it 60k or 200k and by doing this they manage to save and invest and therefore they increase their net-worth consistently, this a common trait among millionaires, there are some who even managed to reach a million bucks making less than 100k per year. On the other hand, under-accumulators are always in debt and even with high salaries they always live paycheck to paycheck (Lesson from The Millionaire Next Door). Have you read the book 'The Millionaire next door? Kindly share in the comments any personal finance book you have read this year and the lesson you picked from it. Remember the best Investment is the Investment in yourself. © Olubusayo Akin-akinbode Real estate and Investment Consultant