1. 支出を財力よりも低く抑える



37歳でリタイアした叩き上げのミリオネア、クリス・ライニング(Chris Reining)は以前、Business Insiderの取材に対し、豊かになって経済的に自立することは、給料や手持ちの金額とは関係なく、どれくらい支出するか、自分の財力で賄える範囲で生活するかという問題だと語っている。



"Getting rich, and staying rich, is overwhelmingly a game of living below your means," he said. "If you can do that you'll enjoy a freedom that people living rich will never experience."

1. Spend below your means.
Many of the millionaires Stanley Fallaw interviewed stressed the freedom that comes with spending below their means.

"The freedom translates into opportunities to make career changes that provide either (a) more time and flexibility to pursue efforts outside of work, and/or (b) the potential for increase in revenue," she wrote.

She added: "Spending above your means, spending instead of saving for retirement, spending in anticipation of becoming wealthy makes you a slave to the paycheck, even with a stellar level of income."

Chris Reining, who retired at 37 as a self-made millionaire, previously told Business Insider that being rich and becoming financially independent isn't about a paycheck or how much money you have — it's about how much you spend and living below your means.