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How to Become Rich

Updated on August 13, 2014

First, a Little Perspective

While many people dream of becoming rich, most never achieve this dream.

Of course, rich is a relative term with regard to financial wealth, as the average poor or middle class person today enjoys luxuries unknown to the wealthy people of ages past.

As I pointed out in my Hub entitled Views of Food Then and Now, starvation and famine have been the major cause of death throughout history but in recent years, as a result of our rising wealth, food has become so abundant that obesity is rapidly becoming a leading cause of death.

Compared to the wealth of Bill Gates, the average American is poor. However, if we compare the creature comforts enjoyed by the same average American of today to those enjoyed by George Washington, the richest man ever to hold the office of President of the U.S., it is George Washington who comes up short.

Money Can't Guarantee Happiness - But Neither Can Poverty

The term rich can also be applied to the accumulation of other things besides financial wealth.

Things like good health, close relationships with family or friends, good health, a rewarding career, enjoyable hobbies, etc. can also make people feel rich and well off.

Being rich does not necessarily mean a person is happy. The story of King Midas is a classic tale wealth and unhappiness as is George Eliot's classic Silas Marner in which the hero, Silas, finds happiness only after losing his horde of gold and taking in and raising an orphaned child.

The term poor little rich girl is a further examle of a person being both rich and unhappy as it describes a person born to great wealth who is also alone and friendless in the world.

However, before carrying this philosophical discussion too far, let us remember that we live in the twenty-first century of today and not the eighteenth century of George Washington and we need more money to acquire the creature comforts that are available today.

As to happiness, while it is true that we cannot buy happiness with money, we should not forget author Leo Rosten's observation that, Money can't buy happiness, but neither can poverty.

The Old Fashioned Way of Working and Saving is the Best Method

There are a number of ways to become rich and here are a few of the more common ones:

1 Inherit a fortune – for the most part this is a matter of luck in that you either have to be born into a family with a rich relative who will leave you their fortune or you have to encounter and befriend a wealthy person who is childless and decides to leave you their fortune. Both of these are long shots.

2 Win the Lottery – this is every sucker's dream, but frankly, the odds of meeting and befriending a childless stranger are probably greater than winning any lotteries.

As for the lottery run by my state (Arizona, and probably every other lottery in the world), I had a mathematician demonstrate to me once that your chances of winning the lottery by purchasing a ticket are statistically only slightly (very slightly) greater than your chances of finding a winning ticket on the ground that someone else brought and lost.

3 Be born with a talent in great demand – This one also depends upon luck but you do have more control and greater chances with this than with numbers 1 and 2 above. Inventory your talents to see what you have and what the market wants – athletes, singers, entertainers are currently hot commodities.

Then work very hard at developing your talent and you just might make that fortune.

While it may look easy, when you take time to study the background of the beautiful millionaire model or the the athlete making millions throwing a football, you will find that an incredible amount of time and effort went into reaching their present position.

Also, the stress of their present fame is usually more than most of us want to have to endure.

4 Grab an Opportunity and Run With it – Get a good education in a hot area, such as IT, web design, nano technology, etc.

Work hard to become a leader in the field and keep watching over your shoulder for the next opportunity in the field. Then, when the opportunity presents itself, throw all of your time, energy, and every cent you can get your hands to to start a company to produce the product or service.

If you guessed correctly and the product or service is just what the public wants NOW you can either go public and make a fortune on the sale of some of your stock or sell it for billions to a company like Google (a la You Tube) or Yahoo.

Of course your plan could bomb and you could find yourself with nothing but a pile of bills or, worse, fail because you were too early and have to endure the pain of seeing someone else make a fortune with the same ideas a few years later when the market is right.

5 Be Old Fashioned, Work and Save – This route is open to practically everyone and the younger you are the better. It involves working hard and saving.

In their book, The Millionaire Next Door: The Surprising Secrets of America's Wealthy, the typical American millionaire is described by authors Thomas Stanley and William Danko as a very ordinary person who has slowly and steadily accumulated wealth through work and savings.

Most of these millionaires live typical middle class lives with few outwardly displays of wealth. In fact the only thing that distinguishes them from their other middle class neighbors is the size of their bank accounts.

Most of these millionaires own their own business but they are traditional low tech businesses.

While their neighbors live off of credit and spend thousands each year on finance charges, these people save (earning interest) and pay with cash. Their homes are comfortable suburban tract homes, their cars are late model family type cars, their clothes are off the rack.

The author's point is that these people are no different than the vast middle class that makes up America other than they are more focused on their work and they save rather than borrow.

By middle age these people are usually very wealthy but their habits remain those of the middle class.

In fact when Stanley and Danko were writing their book they held a series of focus group sessions in fine hotels and invited people whose financial status put them in the millionaire class, and asked them to describe their lifestyle and how they made their fortunes.

In the room where the focus group was held they arranged for a table of free drinks and snacks that included fine wines, expensive mixed drinks, caviar and other expensive appetizers. For variety they also included some beer and traditional appetizers.

What surprised Stanley and Danko was that the beer and traditional appetizers disappeared fast while the wines and caviar type food and drink went untouched. The work and saving are habits that are developed and cultivated over a life time.

Retire Rich

6 Retire a Millionaire – for a young person this is probably the easiest road to wealth, but they have to wait for it.

Simply open a Roth IRA account with a good Mutual Fund or other investment company when you get your first job at 16 or 17 (or later, but the longer you wait the less time you will have for the money to grow).

Arrange for your paycheck to be deposited to you checking account automatically and, at the same time, arrange for the mutual fund or investment company to automatically withdraw a fixed amount from your checking account each month, say $25, $40, $75 whatever you can afford.

It may hurt for the first couple of months but then you will get used to living off of the lower amount (your take home pay minus the IRA deposit) and forget about it.

In time your income will go up and you can either leave your IRA withdrawal the same or increase it by part of the raise.

Over the course of the next 40 – 50 years, the reinvested income from your deposits will grow to many times the amount that you are investing and when you retire you will not only have accumulated close to a million dollars or more but, after age 59 ½ you will be able to withdraw it tax free.

© 2006 Chuck Nugent


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    • joym7 profile image

      Joy 3 years ago from United States

      Doing creative things make you rich. You will definitely gain a lot, if you know your skills and put it in the right direction.

    • profile image

      DELLA AN ALLEN 4 years ago

      Its time to kick some ass an not to give up until we to can be financially successful,just because we have kids an have experienced homelessness does not mean you should give up,we make it more power to us !!!!!

    • Chuck profile image

      Chuck Nugent 4 years ago from Tucson, Arizona

      gmwilliams - glad you enjoyed the Hub and thanks for the comments. While I don't have any problem with people being satisfied with security or being content with what they have, I do have little use for those who choose to be that way but are envious and/or contemptuous of those who strive and advance themselves financially. Thanks again for you comments.

    • gmwilliams profile image

      Grace Marguerite Williams 4 years ago from the Greatest City In The World-New York City, New York

      Agreed with the abovementioned premises. In addition to that, one must have a mindset of money as a positive factor in life. Many people still possess quite a negative concept of money. If one thinks negatively about money and the wealthy, it will be extremely difficult to become highly successful and/or wealthy.

      Also many people who are wealthy think outside the box and are intelligent and calculating risk takers. One cannot become wealthy by remaining in the security and safety mode. Many people who are wealthy take the calculated risks which others are afraid to so.

      Most people prefer to be secure and comfortable, rather to get out of their comfort zone to take a career risk and/or challenge. They figure that they have a job, so they are fine. Also becoming rich and/or highly successful involves sacrifice which many people do not wish to do. They prefer to continue life as usual and often wonder why they have not progressed! Great hub, voted WAY up!

    • profile image

      henry odili 4 years ago

      i have no idea things like this exist i wish to know more thanks

    • tipstoretireearly profile image

      tipstoretireearly 5 years ago from New York

      Very good advice for the average employee, who may not become super-rich like Bill Gates but who can become rich enough to enjoy some of the finer things in life through good savings and investment habits. Voted up!

    • profile image

      PEDRINA DRINKARD 5 years ago


      I truly like your very informative article. It is a great idea to open a Rath IRA accounr with a good Mutual Fund, and have your check account arranged to your paycheck automatically, then arrange for the mutual found investment company to automatically withdraw a fixed amount from your checking account. Thnak you. Sincerely, Pedrina Drinkard

    • profile image

      echo (independent business owner) 5 years ago

      being rich is not HOW MUCH MONEY you have or you make....

      it is a state that even if you DO NOT PHYSICALLY WORK FOR money you can still maintain your LIFESTYLE over a LONG PERIOD of time..

      THIS can only achieve through PASSIVE INCOME. coming from your assets such as








      they are ASSETS that WILL maintain a steady STREAM of CASHFLOW..


    • adriankhy90 profile image

      adriankhy90 5 years ago from Georgetown

      Nice one Chuck!

    • vbulletinskins profile image

      vbulletinskins 5 years ago

      I enjoyed this article. It's amusing but also very informative at the same time.

    • profile image

      priscillah 5 years ago

      hi i think u can only become rich through hardworking any way thanks for yo articles.

    • Chuck profile image

      Chuck Nugent 5 years ago from Tucson, Arizona

      Camera Prices - I totally agree with you. For me money is nice to have but my family is far more precious.

    • Camera Prices profile image

      Camera Prices 5 years ago from Toronto, ON

      A comment way up from mine noted that you should not get married, have kids etc if you want to be rich. I disagree and would trade money for family any and every day.

      All the rest does not matter.

    • profile image

      emmanuel e.guanezo 5 years ago

      to be come a rich person for me is not really hard just do your best in what jobs you have and anything you are doing just give love and hardworking strategies and don't give up and make your work best with the help of god you be come rich sipag at tiyaga for filipinos

    • profile image

      Ben 5 years ago

      In a country of poor a man who can have his basic needs is rich.

    • Chuck profile image

      Chuck Nugent 5 years ago from Tucson, Arizona

      Anthea Carson - thank you for catching that error. Using the phrase "throughout history" twice in the same sentence was too much but I failed to catch it in my proof reading when I published it. Thanks to you, I have caught it and corrected it.

    • Anthea Carson profile image

      Anthea Carson 5 years ago from Colorado Springs

      Nice hub -- one negative comment I do have is that you said "throughout history" twice in one sentence in the first paragraph. I won't be insulted at all if you simply don't publish this comment, just trying to be helpful. :)

    • profile image

      Ariez 5 years ago

      Wow..many good comments here...

      Hi I'm from Indonesia...

      I think the article is good...

      From the way I think to get rich, here's my simple suggestions :

      1. Earn (a lot of) money

      2. Invest it (make passive incomes)

      3. Save it (I recommended not in a bank)

      4. Do it again over and over.

      Keep posting Chuck...

      Make us (mindset) rich...

    • profile image

      Francis WC Ng 5 years ago

      Congratulations . . . You hit the nail, on the

      h e a d .

      It is excellent to use / adopt, thanks.

      Francis , 2011

    • profile image

      5 years ago

      Rules to become wealthy.

      Stay @ school.

      Get the education that you would love and enjoy to do.

      Get a job and do what you would love and enjoy to do.

      Purchase your house, car.


      Stick with your plan.


      do not get married. marriage is very serious and expensive business.

      do not have children.

      do not have many friends, and you will avoid all the gifts of all year around events.


    • b2b-sales-europe profile image

      b2b-sales-europe 5 years ago from Berlin, Germany

      Simply enjoy what you do, do it right and go for it: clients pay bills and make you rich!

    • profile image

      Sangbawi 5 years ago

      If you want to become have to follow two things

      stop thinking, and start working

    • profile image

      Daylne 5 years ago

      While my mom says think and grow rich....I have decided to go with an invention....I'm going to pay a company to build it, and let the military liason tell the u.s government they need to buy it. How's that for hardwork, thank wide web. Was a lower c student with mental disorder. I will soon be worth 100 million dollars.

    • profile image

      Yusuf Shittu Muhammad 5 years ago

      Wow! These are indeed superb ideas wch wld lighten one's route 2 sucssful 'wealth emancipation' or rich as u kal it. It's rilly added 2 ma previous knwlg on d financial sucss. Howevr, I rilly disagree with d 2nd n 5th points of this financial tips cos 1- I dnt blv in 'try your luck' or gambkng as u may like 2 kal it cos a serious wealth creatr doesn't hav 2 hav a too mch blv in hs luck (as put by Rules of Wealth n Robert K.). 2- I wld rathr acpt 'workn n investng' than wrkng n savng cos d possblty of bekomn rch through savn is vry meagr. Bt invstng, if succeeded, gurantees huge returns.

      Wshn us a sccssfl n odyssey journey through our financial struggl.......

    • tata22 profile image

      tata22 5 years ago from Makati City, Philippines

      Just recently, I've been investing for my retirement benefits through the leading Insurance Company in our country where I pay 10% of my salary monthly.

      Is investing in your insurance for retirement pay the same with method 6?

    • profile image

      Emmanuel Amuzu 5 years ago

      Very good financial education

    • profile image

      K.R.THEYAGARAJAN 5 years ago

      i want to become a rich man

      plz explain what we do

    • profile image

      gaushiya bano 5 years ago

      i want to become rich because i have taken admission in engg. college but lack of money i am unable to go plz tell me way to become rich that i can join my college. my mail id is

    • profile image

      myra 5 years ago

      good information...easy to become rich work hard and save religiously....and invest a nurse here in saudi arabia after 3 years of buy and sell and thanks god i achieved it....i earned millions.....

    • Dr Rockpile profile image

      Dr Rockpile 5 years ago from USA

      I'm a saver who tries to live debt free. It feels like I"ll never be rich though.

    • Chuck profile image

      Chuck Nugent 5 years ago from Tucson, Arizona

      anon - your question, "What about intelligence" is a good one. Intelligence can be defined in many ways. However, while there are many exceptions, it seems that intellectual intelligence is not that important in becoming wealthy. In fact many highly successful self-made wealthy people did poorly in school.

      Bill Gates and Steve Jobs were both college dropouts and Thomas Edison (founder of General Electric among other things) had less than a month of formal schooling.

      Of course, on the other end of the spectrum, the two fellows who created Google, Larry Page and Sergey Brin, were both PhD graduates of Stanford University who turned a college project into one of the world's biggest corporations.

      So, intelligence is probably a weak variable at best when considering what is needed to become rich.

    • profile image

      anon 5 years ago

      What about intelligence

    • profile image

      maysam 5 years ago

      how hard it is when u decide to become rich.ohhhhhhh

    • profile image

      Ben 5 years ago

      Let me tell you guys the ONLY benefit of having just stops you from thinking and stressing about money. That's all.

    • klanguedoc profile image

      Kevin Languedoc 5 years ago from Canada

      The road to becoming a millionaire is within everyones reach. Chuck you provide some very good, reasonable, ways at becoming a millionaire. I would add investing in Real Estate.

      Also you can be rich in your heart. As you said at the beginning, it is how we define our wealth that counts

      Great Hub

    • damek profile image

      damek 5 years ago from USA

      Great hub! I wrote about the same topic check it out :

    • profile image

      kevin 5 years ago

      This article is very good, I believe that persons with great talent are the most likely to get rich on a selfmade basis.

    • profile image

      Poor Guy 5 years ago

      Sad but not all of the rich and the famous got their wealth through hard ways, like saving money while still young? POLITICIANS: Call me an activist but most if not all of the politicians managed to expand their wealth through corrupt activities. There is a reason why the gap between the "haves" and "have nots" is getting wider each day. Businessmen: believe it or not, a tailor working at a LEVI's company cannot easily buy at least one LeVi's pants that he made. Lastly, i cannot wait a long time saving money just to become rich while other people simply exploits me and they are millionaire at a very young age. i MUST WORK TO LIVE. i dO NOT LIVE TO WORK.

    • profile image

      Mike 5 years ago

      What will become with my MONEY if i will die between this period of 40 - 50 years 6 Retire a Millionaire

      + don't think that i will need money at 59 idk how americans but for other countries this is almost the end of life what is sad very sad .

      Why i need money to thanks my parents because they helped me and gived me knoladge and also i want to travel other the world and i want to keep them always with me. not that selfish way of thinking ye?

      I guess i already failed at greeding money . How do you think ?

    • profile image

      ismail 6 years ago

      American Dream is over,so working hard is in vain to become rich nowadays,especially in big cities such as New York,London and ?stanbul.Therefore,the only way to get rich in a sort time is with the help of a highly-populated,famous or rich guy.

    • profile image

      Danielson 6 years ago

      Hi Guys....I was wondering since yesterday...if it is really true that invention and innovation can really make you rich.To be honest,I am a serious INVENTOR and INNOVATOR since last year,but more to GREEN PRODUCTS and PROTOTYPES concepts.

      My question is,Is there really an Investor that can collaborate with me to further develop the prototypes and get it out to the market a.s.a.p?

      I don't want to waste anybody's time here but I guarrantee you that my product is a POtentially wide prospects and market.

      Pls,e mail me :

    • profile image

      Wonder boy 6 years ago

      U have just rearrange my habit on spending. Thank u

    • profile image

      robert 6 years ago

      Yes I am changing a lot of my ways. thinking more about the money i'm spending. Trying to save more. you can become wealthy slowly

    • cheerfulnuts profile image

      cheerfulnuts 6 years ago from Manila, Philippines

      Thanks for the great tips!

    • profile image

      anukanksha 6 years ago

      it was really very interesting to read your article. i m only 15 yrs. old but as u know who doesn't wants to be rich???? well thanx ...............

    • profile image

      Waseem 6 years ago

      Better Marry a rich girl..

    • chasemillis profile image

      chasemillis 6 years ago

      Ya seriously, my teacher is going to be a multimillionaire by the time he retires because of how he has saved and invested. Honestly, I think that all you need to get rich is patience and some good decisions. It kind of reminds me of hub pages. I am getting next to nothing, but I'm trying to keep hope. The good thing is that it is fun to write Hubs. The money is just extra awesomeness.

    • profile image

      jamesz 6 years ago

      Thanks for great ideas, very useful hub for me

    • magicthe profile image

      magicthe 6 years ago

      The fact: everybody want to be rich with easy way..LOL

    • speedbird profile image

      speedbird 6 years ago from Nairobi, Kenya

      thanks, that was very informative

    • profile image

      Rob Adelphia 6 years ago

      In almost every category of wealth there is more than one way to achieve. Some people use the word 'luck'. Some will term it 'making it happen'. Anyone from most anywhere can be wealthy. A person who plays the lottery and wishes to get rich, will swear that 'wishing it' is the key after they've won. You can do it in a corrupt way(not recommended), or with integrity. Variables are infinite. The best way to achieve it isn't by counting on chance or luck. Purposing to do it. Planning. Sticking with a winning plan. Going to the next plan when one isn't working. Not giving up when faced with adversity. Read success stories but not so that you can feel warm and fuzzy but as an education on different paths that have worked. Especially the ones that relate to you and your background. If they can do it, so can we. One last point is that enjoying wealth may be easier done between the ages of 30-55 than 60 plus. How have others done it so that they could enjoy it earlier in life? If that's what you're going for, read those stories and adapt to your life. I hope this helped in some small way.

    • Systememperor profile image

      Systememperor 6 years ago from UK

      Nice advice. Could you check my view on this "How to be Rich?" and write what you think?? Thanks. Very good advice.

    • Which4u profile image

      Which4u 6 years ago from Leicester, UK

      I don't think I could ever be happy if I became rich without trying - like winning the lottery or simply inheriting money. Imagine how much more you would enjoy spending a fortune that you had earned from scratch!

      Wish me luck"

    • Perfect Shop Girl profile image

      Perfect Shop Girl 6 years ago

      Being rich is being able to do what you want, when you want to. Always enjoy life to the fullest.

    • profile image

      how to become rich at a young age 6 years ago

      Nice hub, i learned a lot from it. You have shown some nice ways by which we can become rich.

    • ReggieD06 profile image

      ReggieD06 6 years ago

      Why do most people become rich? For most people that do not take the slow road to wealth, they become rich by the same means that most countries become rich. They either have the ability to acquire wealth by offering a product or service that others are willing to "pay" to receive, or they use brute force to take what they want from others. One method resides in the positive realm and the other does not. I choose to employ those techniques that will create a win-win situation for all involved.

    • fucsia profile image

      fucsia 6 years ago

      I do not think that I can become rich.... In the economic sense of the term.... But I am rich anyway and I will be more rich becouse I work every day for my happiness..... If then I will win the lottery.... Well.... I will become rich two time!

    • profile image

      TonyT 6 years ago

      Want to be become rich? SMART!

    • profile image

      Tak 6 years ago

      It's not "How to become Rich" It's "Work to get rich"

      Everything from winning to working is almost the same. It has something to do with "Luck" You'll be lying to say , you're rich on your own terms. No such thing! I find it funny..It's always the greedy or low key person that will never get rich lol..Getting rich takes time, and you'll have to put your pride into it...Yes, PRIDE GET YOU EVERYTHING!!

      Well , You can't be rich sitting in college or acting like you're rich. College is like a 50/50 chance. I'm rich for a reason. I don't play games, I don't party, I don't have sex with random girls, I don't smoke or drink. However, Now that I have my $$$ I think I'm going to have some fun.

    • profile image

      Super Man 6 years ago

      you all miss an another way to become rich !!!!

      that is bank robbery..... :)

    • profile image

      Seth Tonner 6 years ago

      I'm sorry but this is just NOT the way to go! In order to become financially free you must have the proper mindset to manifest what you want. IRAs, 401Ks, and saving simply do not work! millions of people are losing hundreds of thousands of dollars because they invested in a retirement plan and just saving alone is going to take a complete lifetime to save enough money to have any freedom and by then your too old to enjoy your wealth. Wealth is created in the mind first and then in reality. The richest people on the planet got there because of their thoughts! Belief is the key to success! Read the book Think and Grow Rich by Napoleon Hill. For those of you who don't know of him here is a brief summary. Andrew Carnegie (richest man in the world at the time) sent Napoleon on a 20 research project to spend time with the top 500 wealthiest people on the planet and see if there is a key element of how they got where they are. For 20 years Napoleon lived with these multi billionaires and studied their every movement. After his research project was completely he wrote a book called The Law of Success In Sixteen Lessons based on the common demoninators that all these wealthy people shared. This book was taken off the market because the people who shared the information with Hill were scared that there would be too much competition when normal people got their hands on this book. No one would be working for these rich people because everyone would be rich! The watered down version is Think and Grow Rich.

    • profile image

      mohammed zoheb ZLS 6 years ago

      always work hard take blessing from everybody n pray to god .thank u {n plz pray 4 me to become rich n rich}

    • profile image

      Chummy 6 years ago

      I want to be a billionaire!

    • profile image

      6 years ago

      Thank u for the article. It was really nice to read. I'm so blessed that i have a talent..People are coming to me cause they want to buy my paintings. Positive thinking (law of attraction)really helps!

    • profile image

      tony 6 years ago

      i honestly think tht number 5 would be the best choice because ur saving up all ur money and living normal but u always have money if something comes up

    • profile image

      raza wahid 6 years ago

      well sir i think writing is an easy job than doing practical bcz u earn money by writing this only while we have to do lot of things or work yet but in fact it is true

    • profile image

      zahir shah ghumbatai 6 years ago

      education + old saving nad working hard is the better sugesstion

    • Chuck profile image

      Chuck Nugent 6 years ago from Tucson, Arizona

      Caroline Perea - I disagree with your rather cynical view of business.

      While it is true that, in order to remain in business, the owner must make a profit by pricing their products to generate revenue and keeping their costs low. However, making a profit on the sale of a product and gouging the customer are not the same thing. In a free market, the customer is under no obligation to purchase a product - instead, they purchase something because the product or service they are buying is worth more to them than the money they are paying. If it is not, the customer doesn't buy it.

      You are more than likely comparing the cost you paid for the product with what you are charging the customer and feel that you are cheating the customer by charging so much. However, I presume that your place of business is conveniently located for the customer to get to and that you are paying for that location. I also presume that you buy the product in bulk from the factory at a wholesale price and then have it on the shelf waiting for the customer to purchase at their convenience. This ease and convenience is worth paying for in the eyes of the customer and that is why they are willing to pay retail for it and, if it is not they don't buy.

      As to your employees, I am sure that you, like every other business person I have known, would like to pay them more and provide more benefits. But the only reason you are hiring them is because they are needed for you to do a larger volume of business. If you pay them more than the added value they bring to your business you will go broke, close the business and both you and they will be out of a job.

      Further, just as customers are free to buy or not buy depending upon how much the thing they are purchasing is worth to them, employees are free to work or not work for a particular employer. If you, or any other employer, is underpaying workers, they will quit and go someplace else for more pay. However, just like customers, employees take particular jobs for more than just the money. Many, myself included, could get higher pay elsewhere but stay because of other factors. For myself, I could make more money in a traveling sales position but that would mean being separated from my family so my job choice is the result of accepting the highest paying job I can find that also allows me to work 8 - 5 Mon through Fri and be home with my family evenings and weekends. And if another employer in town offers me the same work with the same hours for much higher pay I will quit and go there, until then I will let my friends in much higher paying traveling sales jobs continue to believe that I am being underpaid and exploited by my current employer.

    • profile image

      Timothy 6 years ago

      Gud tips,can determination makes u rich?

    • profile image

      sushanth  6 years ago

      gud advice

    • profile image

      Caroline Perea 6 years ago

      I'm sorry, but almost everything in this blog is totally off. I have come to the realization that in order to be rich, usually you must own a business, one thing that was touched upon above. That may seem all lovely and good, but in order to run a successful enterprise according to business men all over the world, you must make a great profit. And in order to do this, there must be someone to take advantage of, period. I own a business, which consists of charging my customers high rates and not paying my employees enough. I can admit to that, and honestly I don't like what kind of person it's made me. Every single viable company MUST do the same in order to obtain the wealth it seeks. Period. Doesn't it say somewhere in the Bible, blessed be the poor damned be the rich?. Think about what you really want to become before you decide that you want to be "rich". Ask yourself if your an owner, is there anything my business is doing to rip off the consumer? Even in some minuscule way? That is not wealthy, that is trickery. And it is sad that we condone that behaviour.

      let me clarify why I say so. I own

    • profile image

      Kunal 6 years ago

      This is a beautiful post, Chuck. And it has become marvellous with first hand experiences from readers in the form of comments.

      I have definitely gained a lot from this article.

      May our journey to good wealth be accomplished happily :)

    • profile image

      Major 6 years ago

      I sossssssss wanna become rich



    • profile image

      nabeel 6 years ago

      please how can i became rich please but how get i became please

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      Muhamed Riyaz 6 years ago

      I worked full time like a "dog" for the last 10 years in India,Saudi Arabia and U.A.E in various trades. I may have earned and spent around US$100000 but it just peanuts compared to the millions my bosses gained through me.But now I don't have a penny since I didn't save anything.Now I am in my thirties full of experience and ideas but don't know how to become richer.Could anybody guide me?

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      N.SHerzad 7 years ago

      with out money life is deficalt it must be enough to expend loools but nowadays in this world all money is in the hand of criminals and mafias ..... nice points

    • profile image

      sarah 7 years ago

      wow ziqk nice spelling on R-E-S-P-E-C-T-! HHHHHAAAAAAA

    • profile image

      ziqk 7 years ago

      Wanna become rich ? first you have to recpect money

      you can do it all in


    • adorababy profile image

      adorababy 7 years ago from Syracuse, NY

      If you don't understand what you are investing in, don't. Start with something easy like index funds. They have fewer ups and downs than individual stocks, and you will not have all your eggs in one basket.

    • profile image

      Joe 7 years ago

      money aint everythnig. money is not the only wealth. im seeking for real wealth, not "paper" wealth

    • profile image

      How To Become Rich 7 years ago

      veryone has the right to be wealthy. Yet, most of us allow a temporary lack of money eat into our minds, literally confining us into the vicious cycle of poverty. One of the colloary of the Law of Abundance states “People are poor because they have not yet decided to be rich”. So long as you manage a conscious decision to become wealthy and have utmost faith that you can achieve it, you act accordingly to what you believe. Say “Yes” to getting wealthy today! And say it with conviction.

    • profile image

      Wes 7 years ago

      I became rich by saving coins since I was 5 years old

    • Aussie Holiday profile image

      Aussie Holiday 7 years ago from New Zealand

      Nice read!

    • profile image

      Katianne 7 years ago

      I really like your articals. Can't you just make a really popular website and get a lot of money off of that?

    • profile image

      a.m. dionizi 7 years ago

      i like this, iits a way to progress!

    • profile image

      senad 7 years ago

      Nice postman, i like the way you tell it straight, keep up the good work.

      MyMoneyFish really works guys, I have gonnet PAID already, i joined the progran in december and im a founding father, i got over 6000 people in my downline and over 2000 spillover, they paid me like 2 weeks ago to my alertpay it was a very good over $12,000 in my pocket.

      you can see proof of my payment at

      I think this is a great program to join its brand new and easy to get people in to your downline, so check it out

    • Chuck profile image

      Chuck Nugent 7 years ago from Tucson, Arizona

      simone - Thanks for your comment.

      As to finding something you just have to look. While you might get lucky and stumble across something that will make you rich quickly, most of the new millionaires in the U.S. have acquired their wealth slow and steady by working and saving. See the book "The Millionaire Next Door"

      As to opportunities, you could start writing for HubPages - you won't get rich but you will learn a lot and could be bringing in money while you look for the thing that will make you rich quickly. Click Here to sign up

      You can also check out my Hub containing the review of the book "Your First Year in Network Marketing" ( ) to learn about a way that many people, with hard work, have become rich.

    • profile image

      simone 7 years ago

      I don't care about inheriting a fortune or winning the lottery. I just want to have a chance to make it big. I could work hard, as much as it takes, day and night, I wouldn't care. I want to make it! I always think if the other people in the world did I also can. I am a master student at the moment but I think being reach and studying a higher degree doesn't correlate! I don't want a lottery, I want a small chance to prove that I can make it ! But I don't know how do i find this oppurtunity?

    • profile image

      Fahad 7 years ago

      Its not easy to get rich but you can become rich. Just be thankful to god for what he has given you. He has created a perfect harmony in this world.It is we people who get materialistic and run after the worldly things. Whatever is destined in your fate you will get it.Just keep working hard and pray to him.

    • profile image

      Yar Muhammad Khan Pakistani 7 years ago


      Good work. How to be a rich person? Its really dependable on various factors such as personality, hard working, passion, be professional, knowing the value of time, and be practical after planning.

      whish u best of luck

    • DanPowers profile image

      DanPowers 7 years ago from Tokyo

      A nice inspiring hub. I guess that what stops most people becoming rich is that they can't stop spending the money they have. It's much easier to spend money than to earn it.

    • profile image

      Asghar 7 years ago

      really true, i am also willing to become rich. interested.

    • profile image

      Ian Loo 7 years ago

      meaningful article ! support! from malaysia .

    • Chuck profile image

      Chuck Nugent 7 years ago from Tucson, Arizona

      Gavin - thanks for the comment.

      You are right, home based businesses, especially network or multi-level marketing businesses, have and continue to make a lot of people millionaires. These are essentially branded franchises which can be purchased for a minuscule fraction of what a traditional franchise (such as a McDonalds,Kentucky Fried Chicken, etc.) cost to purchase and operate.

      One caveat though is the so called 80/20 rule which states that in these businesses roughly 20% of the people can be expected to make 80% of the money.

      This is not a criticism of these companies as it is a re-statement of the point I stress in the Hub and that is that the only sure way to make money is to work and earn it. Those who are very successful in network marketing are the ones who take the time to study and learn the sales and marketing techniques that the good network marketing companies make available (and this is part of the cost of running your own network marketing business) and then invest the time and effort in applying the lessons learned in going out and selling the product or service. Those that do this begin making money - often good money - while those that don't can always continue to purchase and use the product or service that comes from signing up with the company.

      I am involved in a network marketing organization which I am very happy with it but have not yet found the time needed to work it to begin making serious money. However, in my case the product sold is a membership that offers substantial savings on a number of third party products and services and the savings I have obtained from taking advantage of the discounts offered by the membership has more than paid for my purchase of the membership and the marketing and training expenses incurred in starting and operating this business.

      Thanks again.


    • Greenheart profile image

      Greenheart 7 years ago from Cambridge

      Hi Chuck and thanks for your hub.

      One way that is making more millionaires than ever is the home business revolution.

      It is responsible for over $80 billion of revenue.

      Another term for it is network marketing.

      You may be into checking out an example of such a company that is helping people become truly rich.

      Check out

      Have a happy and prosperous new year!


    • profile image

      scheng1 7 years ago

      Good reminder. After all the talks about law of attraction, it still boils down to work hard, work smart, save money and invest money.

    • profile image

      shannon Michael 7 years ago

      One more thing. You have to set small goals each day. If you don't have goals you are not very likely to get to your end goal, which is money. Set these mini goals each day and things will fall into place.

    • profile image

      Shannon Michael 7 years ago

      I liked the post. I find the most important part of becoming rich is the persons mindset. You have to really want it nomatter what route you decide.

    • Chuck profile image

      Chuck Nugent 7 years ago from Tucson, Arizona

      Thomas - you make a very good point and the way people think does play a bigger role in wealth and success than the mechanics.

      However, this Hub was written in answer to request that was looking more for concrete ideas on the mechanical aspects than on the psychology needed for wealth and success.

      Thanks for the additional information.


    • profile image

      Thomas 7 years ago

      Chuck, appreciate you for the wonderful hub... I'd like to add that most things in life can be achieved depends on this analysis: 80% is psychology and 20 % is the mechanics. The very informative steps outlined is the machanics (details) of possible ways to get rich; furthermore, if you don't have the determination, your believes that you can do it, and your total focus and purpose/drive of the other 80 % of your psych, then might as well call it a day. I'm more than honored to share this with you from my mentor Tony Robbins.

    • bgowton profile image

      bgowton 7 years ago from Philadelphia

      I loved the article but your advice in the comments was even better. Thank you for the entertaining and insightful read.

    • hubby7 profile image

      hubby7 7 years ago from Chicago

      Well put, Chuck, not only in what you said, but also in how you said it. Also, I like how you wrapped up the information in "The Millionaire Next Door". Your presentation was both accurate and succinct. Last, starting early and saving through automatic deduction (i.e paying yourself first) is right on the money. Excellent hub, Chuck!

    • suzanne_writes profile image

      suzanne_writes 7 years ago from United States

      Chuck you have wisdom. A person who is inspired to open the way to prosperity for others, really he has wisdom. Although every one has his own way to go but some time he is motivated by the genuine person to achieve higher goal.

    • Chuck profile image

      Chuck Nugent 7 years ago from Tucson, Arizona

      onengi - You can become rich in a couple of ways. First you can go out and find a good job, work hard to advance and save and invest regularly and, over time you should see your wealth increasing.

      A second way is to start a business, work hard and reinvest your profits to build the business and, again over time you will see your wealth grow. Read the book "The Millionaire Next Door by Stanley and Danko (available on Amazon and other book sites as well as at libraries and local retailers) and you will see that many of the self-made millionaires own a business (often very common and mundane businesses not high tech or cutting edge)which they have grown over the years while enjoying a comfortable, but not extravagant, middle class life style.

      A couple of points to keep in mind. A university education is great both for personal development and career advancement and I highly recommend it for everyone. However, a university degree is basically just a key that lets one in the door for a good job (or allows them to start at a higher position than those without a degree who have to start at the bottom and work their way up over time. Once on the job it will be your hard work and performance and not your degree that allow you to advance.

      Also, when you describe yourself as being a first class graduate, I presume that you mean you had very good grades and graduated near the top of your class. This is good and you are to be commended. However, my grandmother always used to remind us of what some former president of Harvard University used to tell his faculty - "treat your 'A' and 'B' students well because they are our future faculty. But be especially nice to our 'C' students as they are our future wealthy alumni." His point was that, in school, one can get good grades by studying hard and following the rules. While in life, people often fail despite their best efforts. Studies have shown that 'C' and 'D' students are used to putting forth their best effort and still not getting a good grade on a test but they keep trying despite failure and do the same in life. While many people who breezed through school with good grades suddenly fall apart when, after working hard for a big promotion only to have something happen like another company buying their employer and laying them and others off.

      I wish you the best of luck and success and congratulations on completing a university education with high grades.


    • profile image

      onengi 7 years ago

      Chuck, I'm a first class gruaduate and just completed university education. How can I be rich working with the points outlined aabove?

    • profile image

      zopps 7 years ago

      Oh Please - You silly people! Being rich has nothing to do with a bank account. The secret to being rich is not wanting more than you have. Simple

    • profile image

      zopps 7 years ago

      Hey Bub,

      There are no taxes when you take money from a Roth IRA. You pay the taxes on that before you put the money in and as of now there is no double tax, so you don't pay any taxes when you take the money out.

    • Jennifer Bhala profile image

      Jennifer Bhala 8 years ago from Upstate New York

      My two latest hubs explore a new-to-most-people concept that is a real alternative to Wall Street and a great for all income levels way of having your own personal bank. Mimicking what banks do for yourself. It is amazing.

    • brohhma profile image

      brohhma 8 years ago

      read my articles to become richest!!!

    • midnightbliss profile image

      Haydee Anderson 8 years ago from Hermosa Beach

      most of us dreams to be rich but only a few achieves it. but its more fulfilling and you'll appreciate the value of beiong rich if you work your way to your goals.

      nice hub

    • MakinBacon profile image

      MakinBacon 8 years ago from Louisville Area

      For the vast majority of ordinary people, it's true that time is your best friend if you'll just start early in life, be willing to put off purchasing all your expensive toys, and invest you money for the long haul.

      Anyone willing to do this will become wealthy, just not in the get-rich-quick way.

    • HHO2U profile image

      HHO2U 8 years ago from Mojave California

      Great article with practicle advice, enjoyed it.


    • profile image

      Nick 8 years ago

      Hi Chuck, I am 26 years old and have about 40K debts in student loans. I have an Organizational Communication major and have no idea what to do with it. It mostly focuses on non-profit organization work, but how can I start a non-profit if I don't have money? It is a mistake to get that major. I could have done for-profit and helped people if I wanted to by making money first. So what should I do to get out of this situation? I don't even have a job right now, cuz it's so hard to find one. I live with my sister too. I also pay for my car about 300 a month.... :(

    • profile image

      toni 8 years ago

      Turn $10 per month into a solid income!

      Do you want to be in control of your financial future? I know, you, DO!Are you "hungry" and willing to work to achieve wealth, freedom and security for yourself and your loved ones? Or do you look for any excuse NOT to succeed? I'm being direct with you because the program we are about to present is the most powerful, income-generating Internet Business opportunity anyone has ever seen in the history of this industry!But it's up to you to TAKE ACTION and TAKE CONTROL! Thousands of hungry entrepreneurs just like you have made the decision NOT to be a victim of the economy and have secured their positions in the Matrix.So don't spend the rest of your life WISHING for money... take steps TODAY to create the Prosperity and the Life you deserve!

      The choice is yours.For just $10 per month you can build a foundation for a solid monthly income.Your link to Join: you in a Winners Circle,Toni Kokko

    • profile image

      NHL Jerseys 8 years ago

      I'd like to be rich sooner than later...

      But I guess I'm just like of people my age :P

    • profile image

      lorenzo_chef 8 years ago

      10x herman for ur advice.ur a big man.thank u again.i will be rich also.i trust in me and i will win!

    • profile image

      herman is my dog 8 years ago

      I am 25 and I am a multi-millionaire, no joke and I am not an athlete, actor, or poltician, I wan born into an average middle class family, I have no college education because college educations teach you for the most part how to work for someone else and how to play by the socialist rules, I did not win the lottery, I did not get some inheritance from a rich relative. I simply set out a goal to be a millionaire by the time i was 26, I made this goal when I was 19. Becoming rich is a choice and a and a state of mind, not a coincidence. If you listen to the majority of the world they will tell you that you can't be rich. They will tell you it is by chance so that they will feel better about their own failures in the pursuit to wealth. Once you admit that becoming rich is a choice and it is completely up to you then you become empowered! With this same admission that it is up to you, also comes extreme responsibility and knowing that only you can take the blame if you fail. Others are happier not being rich and blaming everything else as the reason for them not being rich. The choice is yours. As for the majority of millionaires? they are not seen or heard from. They live quiet lives and some of those close to them don't even know of their wealth. If you were to take all the wealthiest people in the world I would wager a bet that you have not heard of 90% of them, and I would win. Don't hope to be rich, plan to be rich. Then surround yourself with two kinds of people, those who will take the leaps with you, and those who have already taken the leaps and will show you how they did it.

    • profile image

      6 pack abs 8 years ago

      How to became rich? The dream and the aim of 99% of US citizens.

      Regarding your suggestions:

      1.- impossible...2.- I'll keep trying!3.- still didn't discover my unique talent (with demand...)4.- working on it5.- not for me6.- retirement... far away.Congratulations for this interesting hub.

    • profile image

      Seo Web Design Services 8 years ago

      Good article chuck. Some of those you would have to have a little bit of luck. Building an website that attracts hundreds of visitors a day is the way forward. It may take time but achievabnle by anyone.

    • RyanRE profile image

      RyanRE 8 years ago from Bellingham, WA

      @Chuck ~ I love the title of this Hub! If only it were as easy as following a few simple steps... LOL

    • profile image

      steve 8 years ago

      hi i am looking for a rich person to give me some money as i dont have much, my email address is

    • profile image

      Jay 8 years ago

      Hahaha these guys have also found a wonderful idea to get rich href="">One Dream</a>

    • profile image

      curtis  8 years ago

      Chunk, great article with reasonable points, for ordinary people to get rich, 5 and 6 are the most possible ways. i am one of those people, being age of 24, 4 year degree in accounting with a job of making less than 40K, i already have a brand new house in NYC worth half million. even though i got the help from my parents for down payment, i have no problem paying the mortgage because i rent out the basement and second floor, all i need to pay just small portion. my point is to get rich and have stable life, it is not necessary to earn big money, the key is to have a good financial plan, how to use your hard earned money in a wise way, at the same time enjoy your life. enjoying your life doesn't mean to have luxury jewelry, expensive vacation, that just moment of enjoyment. the real enjoyment is you don't need to worry losing your job, worry about being kick out by your landlord. with nest egg in your packet, you will feel more comfortable and relax in your life.

    • profile image

      jeff 9 years ago

      Law of atraction is nonsense, waste of time. To get rich you have to work like a madman, always thinking about it. You have to break your fear but never be blinded by your self confidence.

    • kettlebellnathan profile image

      kettlebellnathan 9 years ago from Calgary, Canada

      Nice article, I like point number about working hard and saving. The only way for a regular person to get rich is to have something, like a business, that can make them real money. A job will only ever pay you enough not to quite!

    • fourseasons profile image

      fourseasons 9 years ago from Pink City


      nice tips. thanks

    • profile image

      IPL 2008 9 years ago

      Good Post.

      One needs to Dream rich to Get rich. I have published a post on "Dream Rich, Get Rich" . Check it out and leave your feed back.

      Dream Giver

    • Sandilyn profile image

      Sandilyn 9 years ago from Port Orange, FL

      Good hub! Yes, the first ones are out of reach by most people but number 5 is the way to live your life. If today's generation would listen and learn they would attain wealth wealth with number 5 and 6.

      There is no reason why one has to go out and purchase the most expensive clothes and cars. Charging everything and paying interest changes is throwing money away! Live life comfortable but within reason. If you can't pay for these things in cash then you don't need them or you should be looking for cheaper ones!

      I told my son a long time ago to save, and to start an IRA early. He is 27. He has his own home, and IRA, and what he needs. He will retire a millionaire!

    • profile image

      samgi 9 years ago

      Pls read my hub 'success secrtes'



    • profile image

      richxgirlx400 9 years ago

      ha wow. this is pathedic! im rich cause my daddy owns like your boxes you call a house! read and weap

    • christineross97 profile image

      christineross97 9 years ago

      You did a great job! Five stars to you. You have excellently put together all valuable informations aboout getting rich which I like most. Thank you for sharing your knowledge and ideas. I am into small business and hopes I can succeed. Let me share to you a similar valuable lens A lens about inventory softwares plus more of stock balance management in just one lens which of great help to run a business and get rich! Find out more!

    • profile image

      mpchoncho 9 years ago

      Yes, there are indeed many choices one has but an education in finance and accounting might serve you will if you truly want to be a millionaire because once you become one you had better know how BEST to handle your fortune.

    • profile image

      scotty6 9 years ago

      Good stuff to become rich......... Everybodies aim to become rich. After earning money you need to make an account, for that you must visit where you can get sound knowledge of accounting.

    • Chuck profile image

      Chuck Nugent 9 years ago from Tucson, Arizona

      lemmyC - thanks for your comments. As to your question asking if I am rich that is a matter of perspective. Compared to Bill Gates, I am dirt poor. But, like most other contemporary Americans, when compared to the rest of the world or to those who preceeded us in history, I am very rich.

    • lemmyC profile image

      Ben 9 years ago from UK

      Chuck! Good articlee and good ideas. Are you rich?

    • profile image

      bryan1028 9 years ago

      It would be really good to hit the lottery. However there are tons of ways to get rich. Just takes time and effort.

      Does anyone here know of any good ezine advertising companies? There are so many out there it is hard to choose. I am going to use it for my website:

      I think these days lawsuits are a way people use to get rich. Other ways include joining that secret society.

    • profile image

      Karsten 9 years ago

      Hi Chuck.

      I totally agree with the points made on your hub, and would be more in favour of your option 4, as I'm kind of an entrepreneurial type.

      The internet is opening up lots of doors, and it has never been easier to start your own business, even without it costing you much more that your time.

      There's no easy way to become rich, but while slugging away at my job, I'm discovering <a href=" to get rich online</a>, and it's starting to pay off for me!

      In any case - the best advice I know to give to anyone would be: Chose to do something you like - and you'll never work for one day in your life.

    • Chuck profile image

      Chuck Nugent 9 years ago from Tucson, Arizona

      nunyabisness - sorry you didn't care for this hub. Unfortunately, there are no great secrets to becoming rich. This hub was simply a restating of the age-old ways of doing it which, admittedly, are known by most people. However, like other things in life, people often overlook the obvious either because they already know it or because they realize that it takes hard work to implement, and, instead, seek a mysterious secret that will allow them to acquire great wealth with ease. The secret to becoming rich, like other good things in life such as good health, safety, happiness, etc., requires that we constantly remind ourselves of and practice age old wisdom that is and always has been obvious.

    • profile image

      nunyabisness 9 years ago

      that was stupid those are obvious ways to get rich.... JUST STUPID!... TELL ME SOMETHING I DON'T KNOW!!

    • profile image

      ClearwaterBeachBum 9 years ago

      Man it would have been so much easier to have had 1 or 2 happen - now I'm working on 3-6 :D - excellent advice, enjoyed your hub Chuck!

    • michael64 profile image

      michael64 9 years ago

      well my boat hasn't come in yet ,

      hello come join me @

    • optimindzer profile image

      optimindzer 9 years ago

      luck is not always there, even if you won the lottery may not guarantee your happiness.

      But if you become rich by accumulating the wealth by your own, then you will feel the fullness of life.

      good luck

    • profile image

      Ronic 9 years ago

      How interestiing! Everyon wants to win a lottery, but it is possible if you have a luck.

      <a href="">Google</a>

    • profile image

      excellasys 9 years ago

      I have to admit I like the win the lottery one. The intriguing part is someone has to win. I ran into a couple of guys on vacation once that won the powerball. They were enjoying themselves. ;-)

    • profile image

      Work At Home Guide 9 years ago

      I have never seen these information before this, while I've a website

      Thank you.

    • profile image

      Cheap Music 9 years ago

      Quite a Good Tips on How to become Rich. Definitely I will CHoose number 4. We had to grab an opportunity and MUST work hard, smart, persistent on it. The most important is we had to Believe and Be Confidence that we can do it and Achieve It.

      I definitely want to become Rich and achieve all my dreams. Thanks

    • Newton's Rival profile image

      IAMCHOSEN 9 years ago from U.S.A

      Love the hub.

    • Evelyn Lim profile image

      Evelyn Lim 9 years ago from Singapore

      I enjoyed reading your list very much and have rated it up!

      Do read my take on how to be wealthy beyond relief here

      Have a great day,Evelyn

    • Chuck profile image

      Chuck Nugent 9 years ago from Tucson, Arizona

      Covcarbine - thank you for visiting my Hub article and for you comment.

      However, I have to disagree with your contention that the steps I recommended for acquiring wealth are as rare as winning the lottery or inheriting a fortune. Granted, noting is guaranteed in life. However, working and saving, taking advantage of opportunities, etc. are things over which you can exercise some choice and control while winning a lottery or inheriting a fortune depend mostly on chance. That said, working and saving, taking advantage of opportunities and the other things I mentioned do require perservence, work and some sacrifice so they are not necessarily easy. But they are attainable for most people who choose to persue wealth.


    • covcarbine profile image

      covcarbine 9 years ago

      Most of what you have listed would be very rare like winning the lottery or inheriting a fortune.

    • profile image

      Fetch Boy Search 9 years ago

      Great info, thanks, certainly food for thought :)

    • profile image

      Nancy 9 years ago

      I believe in Be Old Fashioned, Work and Save.I strongly advise creating a budget worksheet for yourself. List everything you spend on a monthly basis and figure out what you can cut out or try something different to lower your costs.

    • profile image

      emanfortune 9 years ago

      But today the say the Law of Attraction is....

    • profile image

      happy_bunny_fan 9 years ago

      sooooooooooooooooooooooooooooo very very very lame

    • kevinl905 profile image

      kevinl905 9 years ago from olive hill

      make it right good job check this site out thats hard work he earns his money

    • jidejegede profile image

      Jide Jegede 9 years ago from Ibadan, Nigeria

      I always enjoy books of this nature because I know I am destined to be rich. I always find all means possible to gulp books of this nature. Though I did not read much of the details, I am fascinated by the topic and the brief headings and intros about it. I think it is a worthwhile attempt. I also want to thank the owners of this website for the great opportunity given to us all to have our views published. But please, I want to declare openly here that I need more tutorials on how to make money on the internet with little or no risk. Thanks.

    • profile image

      Lindsay 9 years ago

      what if you want to become rich now? but i dont want to lose anything i have now. how do i become wealthy and smart and at the same time keeping what i have and possibly getting more? i would like to also show to my daughter money isn't everything...but to me its very important

    • Mary Marie Kelley profile image

      Mary Marie Kelley 9 years ago from Columbus Georgia

      Chuck I agree on all counts. I really like your page , and it was interesting reading, all true. I am just getting started with mine so would appreciate any good tips. Have a good 2008, mine has got to be better than 2007.


    • maggiemae profile image

      maggiemae 9 years ago

      All good sound advise - Often you have to list your priorities, saving money may be simple as packing a lunch rather than eating out. I know one immigrant to Canada who started out as a gas station attendant at 19 with no English and retired at 40. He learned English partly by going to movies. He saved 20% of everything he made, eventually bought the gas station and invested in apartment buildings. A lesson for anyone with ambition.

      Maggie - Top Home Job Directory -

    • profile image

      Rosli 9 years ago

      Hi CHuck,

      Great advise and I will strive for no 4, 5 and 6.

      Have a great New Year.

    • Andrew Murphy profile image

      Andrew Murphy 9 years ago from Vancouver, BC

      Grab an opportunity at long as it makes sense, is ethical and has room to grow. Latch on to someone that is making things happen and leverage your self. Continue the education process for life. "There are no secrets to anything, just things you don't know YET." Love that quote!

    • profile image

      ishana 9 years ago

      iam looking 4 a millionaire who will giv me $1000 4 free life would sure be worth living than

    • crazycat profile image

      crazycat 9 years ago from Philippines

      Not all could have 1 and 2. I say make use of our talent and go for the opportunities that come.

    • Chuck profile image

      Chuck Nugent 9 years ago from Tucson, Arizona

      Ronald Daniar - thanks for the update and clarification. Your points are well taken and I appreciate the added perspective which I am sure many readers will find useful and informative.

      Thanks again.


    • profile image

      Ronald Daniar 9 years ago

      Hi Chuck!

      Sory for the late reply. I agree with you but I think you are talking about 2 different things. Your hub is actually about "How to Become Rich" and I add some points from my perspective about other ways of how people become rich. While being wealthy is another thing; it is about "How to stay rich" skill to manage their fund so people will not bankrupt.

      I bet that there are many people who have the skill of managing money so they will not bankrupt, but many of them also don't have the skill of making big money! Can you see the difference? In my opinion and based on some readings I read, I conclude that if you want to get rich, you have to make sure that your job can make you rich. If not, then you have to think of another job!

      Being rich from your income and from your saving is also two different things. Some people become rich from their savings when they are already retired. While some people become rich from their income when they are not retired yet. So, your income which come from your special skill determines how rich you are but your fund management skill decides whether you can stay being rich or not in the future.


      Ronald Daniar

    • profile image

      John  9 years ago

      I hope to work very diligently after going to college. Hopefully with stock and real estate investments I not have to say no to my dreams because of money issues.

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      narbundi 9 years ago

      I really enjoyed reading this very well written and informative hub. I agree with most of what you say and believe that wealth is always relative - many of my friends ask me how come I'm better off financially than they are ut as I think you are pointing out, there is no magic to it.

      Generating your own income if you are able to is preferrable to working for a wage (read any of Robert Kiyosaki's books) as running your own company gives you far more flexibility to pursue new opportunities. I have always been self-employed and set up my own company last year when I began to develop multiple online income streams.

      Where many of my friends would take the money and spend it I choose to live modestly and invest the money I make in a range of assetts such as property, shares and mutual bonds etc.

      Money itself holds virtually no value - it's value comes only from what it is used for. So if you but a big TV, fast car and luxury holidays in 10 years you have nothing to show for the money you spent. On the other hand if you buy investment bonds, rental property, shares and valuables which ratain their value at the end of 10 years you will have a lot more money than you started off with.

      Understanding money is really the key to wealth and being able to generate it is the way to become financially independent for life.

      I look forward to reading some more of your blogs Chuck, take care, Louisa

    • Cleanclover profile image

      Cleanclover 9 years ago from Piece of land!

      great hub chuck! The power of saving is great. Thankx for sharing

    • Writing Muse profile image

      Writing Muse 9 years ago from USA

      Chuck, thanks for the impressive post - well put!

      I'd like to add, and will post a hub to this end, that to achieve wealth or financial security at any level and maintain it successfully first requires an understanding of money and how to manage it - whether you inherit a family fortune, or simply work and save the old-fashioned way.

      In the lending industry for more than 25 years, I was constantly amazed at the number of borrowers who had not even the first clue about money or any idea on how to determine what payment amount they could realistically afford - and without a single dime of savings as a reserve.

    • kevinl905 profile image

      kevinl905 9 years ago from olive hill

      <<<<< click it whats that old saying if it sounds to good to be true well it is i got checks from a scammer the smalls one was for &7000 tomorrowi will put it on my site so others will know to watch out for or leave me a comment on my hubpage saying you would like to see it

    • Chuck profile image

      Chuck Nugent 9 years ago from Tucson, Arizona

      Kevinl905 - Thanks for visiting my HubPage for for your comments.

      I. too, received a scam check, but mine was a mere $2,950 (the scammers must be becoming more frugal with their stolen checks). I wrote a hub about this and included copies of both the check and letter I received from them as well as explaining in the article just how the scam worked. From the number of comments I have received on that hub, there are lots of people receiving checks trying to lure them into the scam.

      In addition to the Hub on the check scam, I have also written four other Hubs so far on various scams and how they work. These are currently grouped together under the heading of "Scams and Frauds". Here are links to the other articles: This one is about how Internet thieves who have made money with stolen credit cards and bank account numbers attempt to dupe people into helping them get around the law and move the stolen funds abroad. This is a slightly earlier Hub describing the money laundering tactics Internet scammers are using to move their funds abroad and make them look legitimate. This is a description of how the techniques that scammers and con artists use to distract people and then cheat them out of their money. In it I describe an actual situation that occured in a bank I worked in where a teller was duped by this and gave the customer an extra $1,000 as well as has a video showing how this works in action. In this Hub I describe how scammers are luring people into revealing their passwords and giving access to sensitive bank account information to the scammer in return for a promised $20 reward for taking a survey for their bank.

    • kevinl905 profile image

      kevinl905 9 years ago from olive hill

      tomorrow if you all want me to i will put that scam check that the scammers send me and what came with it so you all will know what to look for if they try to scam you by tomorrow i mean 12-25-2007 i will put it on my website just leave me a comment on my page here on hub thanks

    • kevinl905 profile image

      kevinl905 9 years ago from olive hill

      one more thing, its hard to get rich, im the owner of quality building going on 15 years now im still not rich

    • kevinl905 profile image

      kevinl905 9 years ago from olive hill

      hey if you want to get rich, i say work hard an save your money as much as you can, after paying your bills frist. They are no get rich fast out here, only for the scammers, i to almost get scam, i still got the $7000 dollar check ive never cash it. people plz watch put for scammer they are the one;s who is getting rich, and they do get by with it thank you kevin

    • icandy profile image

      icandy 9 years ago

      Fantastic article, ebay is a great place to make money from - i saw a complete free guide on how to make 5 grand off them its here> No download required

    • Chuck profile image

      Chuck Nugent 9 years ago from Tucson, Arizona

      T.A - Thank you for visiting my HubPages and for your comment. You make a good point and I agree with you. However, what I tried to do in this article was to present a number of different ways that have worked for many in the past. While it is true that each person and their circumstances are different, having access to past knowledge and knowing what has and has not worked for others can serve to greatly reduce the learning curve.

      While none of the ways for becoming rich that I suggested in this article, or others have suggested in other books and articles, is a guarantee of success, knowing them allows individuals to analyze and quickly determine which ones probably won't work for them and which ones may work for them. This knowledge alone could save them a half a lifetime of experimentation using trial and error in their attempt to learn what others before them have already learned. Additional time can then be saved by studying ways used by others whose situation was the same and then modifying as necessary. After all, the wheel is not a universal solution to every technical problem that humans have encountered since its invention in ancient times; but, at the same time, how many inventions have used the concept of the wheel to solve other problems. I am sure that the Neanderthal or other prehistoric individual who invented the wheel in order to make moving objects easier never considered its possible application as the central mechanism in gears for cars and numerous other types of modern machinery.

      Thanks again for the comment and good luck with your dream.

      P.S. just watch out for the taxman as they will definitely want to share your wealth with you after you earn it.

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      T.A 9 years ago

      I believe there is no specific formula to become rich. Formula which worked for others might not work for you. Everyone is so different in there attitude as they have seen and learned different things in there life.

      Now one can have common dream (to become rich) but they can't have common approach or formula or whatever you wanna call it.My Aim is that I want to become richest person on this Planet, and trust me no one can stop me from that.

      Do planning as per your physical health, capabality and knowledge. Because in the end "Success does not depend upon the brilliance of your plan, but consistency of your actions".

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      Curtis 9 years ago

      Excellent article...

      Also, eBay isn't a safe place to trade. You have very limited protection and the seller almost always wins. PayPal protection helps, but they make the final decision. Which means if the seller provides proof of a tracking number, no matter what happened, you'll not receive a refund.

      I'd just pay some extra money from known online stores.

    • sparkster profile image

      Marc Hubs 9 years ago from United Kingdom

      thats why I'm rich!

    • Brandy Owens profile image

      Brandy Owens 9 years ago from Wherever life takes me

      Very good article, with very fine points. It's practical and makes sense. Good job.

    • profile image

      suhas vellanki 9 years ago

      lol hahaha

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      husintak 9 years ago

      Oh yee what a wise advice but dnn't forget basic training. Go to afterall it is free to join. tq

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      DR. ARTFREDO ABELLA 9 years ago

      Delay your instant gratification is the best way to become rich. Delay buying things that would satisfy yours whims and caprices ,and wants. Instead only purchase things that would satisfy your needs, the rest of your money should be saved in the banks. As your savings become huge - invest either in Time Deposits, Shares of stocks, bonds, treasury bills, wealth multiplier, trust indentures, purchase of real estates or mutual funds. Never touch the monies for a decade or two. It's the surest way to become rich.

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      Bill 9 years ago

      Find 99 legit ways to make money online at . You will find advice on free paypal paid surveys and other money making opportunities here.

      Best of luck.

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      aldrin 9 years ago

      Trading in ebay is a good way.I have not read any complain ebay.

    • profile image

      mrmarmalade 9 years ago


      Again you have impressed me with you wisdom and knowledge.

      It must be the mortgage business. i never had the opportunity of being born rich . I keep thinking I will win the lottery, but then I never buy the ticket. Waste of money.

      Iam going with number five.

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      davia 9 years ago

      i am going to do dropshipping business on ebay , you guys think that is a good way ? i have already visited some of the website in china . , , , is there anyone bought from them ? how is their service ? how is the quality ? give me some idears. thanx..

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      crisol pacursa 9 years ago

      im one of the unemployed right now, and im so bored.... how can i go to the UNITED STATE?? i want to work in that country,, im a graduate of business course,, but its hard to find job here in the philippines.. if anyone to help me get work in the UNITED STATE pls send me an advise to my email address i need a work plssss.. or call me 639207957398 trhank you

    • profile image

      tony 9 years ago

      PEIS GLOBAL TRADE CO., LTD. is a reliable and professional supplier in Guangzhou City, which specializes in all kinds of brand name shoes, clothing, handbags, sunglasses, etc. Our brands include NIKE, ADIDAS, BAPE, GUCCI, LOUIS VUITTON, COACH, CHANEL, ABERCROMBIE & FITCH, etc.

    • Chuck profile image

      Chuck Nugent 9 years ago from Tucson, Arizona

      Ronald Daniar - thank you for visiting my HubPages and for your comment.

      However, I have to take issue with your claim that most of the rich are celebrities, businessmen, inventors, investors, professionals and politicians. It is true that many people in these categories have high incomes especially celebrities, politicians, business executives, professionals and investors. Successful inventors also often come into large incomes as a result of their inventions. However, income merely reflects one's current spending power and is not necessarily related to wealth which is the ownership of income producing assets. Wealth is measured not by how much income one has but by subtracting what a person owes (their liabilities) from their financial assets. A wealthy person is one whose net financial assets (financial assets minus liabilities) are large.

      It is not uncommon to read in the papers one day about the astronomically huge income of some celebrity/politician/business CEO, etc. and then a few years later read another article describing that same person's deep financial woes. The fact is many of these people with very high incomes are usually spending the money faster than they are earning it. Oh, they have expensive homes and cars, take expensive vacations, make splashy purchases and are in the public eye as much for their spending and consumption patterns as for their professional accomplishments. However, once the income stream from their profession stops they have nothing and even the homes and cars are not of much help as they are mortgaged to the hilt.

      As I mentioned in Step 5, in the book "The Millionaire Next Door" by Thomas J. Stanley and William D. Danko, the author's describe the growing number of people who live comfortable middle class lives but who have assets, which have been acquired steadily over time, placing them in the millionaire class.

      I actually observed this phenomena many years before while working as a mortgage loan underwriter for a Savings and Loan Association. Every day I would read dozens of loan applications from people with good incomes, often couples with each having an above average income, and a fair amount of assets in the form of cars, boats, homes, etc. However, their financial assets were usually limited to either just enough cash in their checking and savings accounts to cover the minimum down payment (5% of the home price) or less than that with most of the down payment in the form an expected income tax refund or a gift letter, usually from parents, promising to give the borrower(s) the money to make the down payment. My favorite example was the loan application from a 45 year old man who was married with 2 children - he and his wife both worked and had decent incomes and plenty in the way of a couple of new cars, a boat and a few other expensive things. On the liability side they had a long list of high balance credit cards. The couple was buying their first house thanks to the husband's father who was giving them the down payment with the idea that owning a home would make this fellow and his wife financially responsible! Because of the down payment from the father, we made the loan but I doubt the fellow's financial situation now is any better than it was 25 years ago when I approved his home loan.

      However, a little under a third of the applications I received came from couples with children and less than spectacular incomes. They generally had a modest home which they were using to trade up to a better home, along with one or two older model cars and cash and savings amounting to a few thousand dollars. Their liabilities were usually limited to a mortgage that was equal to about half the value of the home and the net proceeds from the sale of their current home would allow them to put down 25% or more on the home they wanted to purchase (25% or more down payment qualified for our lowest interest rate on mortgages). These people were not rich but they were accumulating assets along with cash savings and few debts which would allow them to weather financial problems in the future and probably eventually retire without having to worry about whether or not they could afford it.

      So, my point is, if you define "rich" as having considerably more financial assets than liabilities it is not necessarily those with high incomes who will remain rich but rather those who steadily build up savings while living within their incomes. For further proof just read the stories about jackpot lottery winners who win millions and end up broke a few years later.


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      sherwin meranio 9 years ago

      nice tips!!! hope it'll help me throughout the year

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      Ronald Daniar 9 years ago

      Most rich people are celebrities, businessman, inventor, investor, professionals (well-known lawyer, sportman, etc) and also politicians. If you are not working in one of those area it will be hard for you to become rich unless you marry rich person, win a lottery or you are born in a rich famliy.

      Many people also get rich just because they receive information faster than the others to run a new business, to buy and sell, to send a tender, etc. This is the era of information where the fastest is the winner.

    • Chuck profile image

      Chuck Nugent 9 years ago from Tucson, Arizona

      butler01 - thank you for visiting my HubPages and for your comment. As far as posting a book report on my Hub I would suggest that you do the write up about the book as one of your Hubs and then leave a comment here with a link to that hub. I am pretty liberal about allowing other Hubbers to leave comments with links to their hubs but usually draw the line for comments with links to outside promotional sites. Chuck.

    • butler01 profile image

      Sandra Butler 9 years ago

      Great hub I really enjoyed this. I have another book that will be a great read. Can I post it to your hub.

    • Misha profile image

      Misha 9 years ago from DC Area

      I wish I won a lottery or inherited a fortune. But since I'm not there yet in my late forties, I guess I have to start expoliring other ways :D

    • darron profile image

      darron 9 years ago from New York City

      i will still buy the occasional lottery ticket...

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      thebase 9 years ago

      Great hub! Some nice ideas here.

    • Chuck profile image

      Chuck Nugent 9 years ago from Tucson, Arizona

      Nyan, Thanks for visiting my HubPages and for your comment. I agree with you, method 6 - starting young with a Roth IRA is a great way, and probably the easiest, to get rich. By starting early one has the power of compound interest working for them and this is such a powerful tool that the nineteenth century Baron Rothschild once labeled compound interest the "8th Wonder of the World" Chuck

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      Nyan 9 years ago

      I think method-6 is the most suitable for everyone. I am also practising this.

    • TheEntertainer profile image

      TheEntertainer 9 years ago from Los Angeles

      So true, so true. Good advice....and every once in a while, when you do come across the opportunities that present themselves in life whether its a job or an entrepreneurial have to run with it and grab it when it shows up.

      The Universe is a powerful place, and so is intention and the law of attraction.

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      markion 9 years ago from London

      the first 2 are everybody's wish but also the most difficult!

    • cjbart profile image

      Chuick Bartok 9 years ago from Corning

      Well, Chuck at least we have one thing for sure in Common....Our wonderful name.Your original post is "spot on"

      I was fortunate to assigned Think & Grow Rich as an exercise in my freshman year of college 1960...

      I was so Dumb, I followed the Book.have kept it at my side ever since along with The Master Key and Proverbs...and quess what?IT WORKS!

      Rich of course is a matter of postion by many....but I never had a JOB, had the privilage of working as long as I wanted to ...

      Did not have to get caught up in the Dummy Tax of Interest, because we bought only that which we could pay for...Well most of the Time.Some major med expenses needed negotiation.

      Funny thing never Made a HUGE Income..Never needed to

      Final analysis, find you definite Purpose, draw up your Plan form your Master Mind,, and get started NOW! Don't woory about getting it Right.Just get it Going with Massive can manifest all day and nothing will happen.

      Read the Father of the Law of Attraction, Charles Haanel.i\I give FREE copies every day

      Funny thing never Made a HUGE Income..Never needed to

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      Mr. Jose 9 years ago

      i don't spek english okey? i lost my muse hihi, okey how to be rich ehh well

      u have to clean a and work ur ass of, there are no free nothing ok?

      you must work to get it

      -Jose Hernandez

      viva mexico

    • profile image

      Mr. Professional 9 years ago

      i think you can only be rich if u get a good education,


      THANK YOU!

      -Dolji Manahad

    • Chuck profile image

      Chuck Nugent 9 years ago from Tucson, Arizona

      Ervin, Thanks for visiting my hub and your comment. Compensation generally refers pay for work and I covered this in point 5 of the article (5 Be Old Fashioned, Work and Save). As to lawsuits, they are not only costly and take a long time but you have to first suffer a loss in order to have standing to sue. Since lawsuits are only intended restore a previous loss the net financial effect should be zero. Granted there are plaintiffs and lawyers who are ethically challenged (or, skipping the pc terminology, CROOKED) and file frivolous suits to make money - but that is not honest. That is why many of us would like to see the British system of having the loser pay the costs of of the other party. This would put a quick end to these suits as deep pocket targets (and as some of my lawyer friends have told me - law schools teach students not to waste time on lawsuits unless the defendant has deep pockets) would have an incentive to fight frivolous suits rather than finding it, as they do now, cheaper to simply pay off up front and avoid the cost of fighting a suit. Chuck

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      ervin 9 years ago

      Don't forget compensations and law suits!

    • Bob Ewing profile image

      Bob Ewing 9 years ago from New Brunswick

      interesting and some actual ideas that may work.

    • jayraj74 profile image

      jayraj74 9 years ago from AHMEDABAD

      I Enjoyed reading your article. IT'S VERY USEFUL

    • flexoman profile image

      flexoman 9 years ago

      You could also marry rich.

    • profile image

      trina p 9 years ago from Bronx

      great sit just started out and loving it

      have a great time making money

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      Dan Pop 9 years ago

      I am looking for a millionaire who can give me one million for free.

    • mrkrabs profile image

      mrkrabs 9 years ago from Gummersbach

      Or just finding out how to use hubpages or squidoo :-)

      I hope I will!!

      Have a nice day!

    • profile image

      Derek Bowler 9 years ago

      Nice page Chuck ,

      Enjoyed the advice and thanks

    • profile image

      Nitu 9 years ago

      Nice advice and tips ... i love the advices given here

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      johnny tamberine 9 years ago

      good golly miss molly! great advice!

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      Pre-tarted 9 years ago

      Very Very Very Very Very Very Nicceeee!

    • leiaswift profile image

      leiaswift 9 years ago

      Good advice! Enjoyed reading your article

    • 7leads profile image

      7leads 9 years ago

      Enjoyed this page. Good info.

    • Ralph Deeds profile image

      Ralph Deeds 10 years ago from Birmingham, Michigan

      Good advice, Chuck.

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      keyword elite review 10 years ago

      Some good tips here!

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      Hazel 10 years ago

      How about applying the Law of Attraction to attract wealth? Cool way to BE wealthy.

      Feel free to share with your friends the report so that they too can have their life transformed.

      To your success and wealth


    • profile image

      stef 10 years ago

      I so want to be rich

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