If we look at the patterns behind wealth creation, studies and surveys on millionaires (like those from **Wealth-X, CNBC, and Thomas J. Stanley’s The Millionaire Next Door) show that roughly 90% of millionaires create their wealth through entrepreneurship and business ownership, rather than inheritance or salaries.
Here’s the breakdown of what drives that 90%:
- Owning a Business (Entrepreneurship) – Starting or owning a business is the most common path. Business ownership allows wealth to scale beyond a salary.
- Investments – Many millionaires invest wisely in stocks, real estate, or other assets, leveraging money to create compounding wealth.
- Multiple Income Streams – Beyond one job, they diversify income: side businesses, investments, royalties, or rental income.
- Frugality + Smart Money Management – Living below their means and reinvesting earnings accelerates wealth creation.
💡 Key insight: A regular job rarely creates true millionaires. It’s the combination of ownership, leverage, and investment that accounts for the majority of millionaire wealth.
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