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An expert who became a millionaire at age 28 reveals the four most common habits among self-made wealth builders — and which most people ignore.
Most people believe that becoming millionaire It depends on luck, connections or a high salary. But those who have built their fortunes with their own hands say the key is habits — and they are more accessible than they seem.
According to a finance expert who became a millionaire at the age of 28 and spent 16 years studying the subject, four attitudes stand out. And about 93% ignore them.
1. Invest consistently, without waiting for the “right moment”
Even in times of economic instability, millionaires maintain a pattern: they always invest.
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They don't try to guess the best time to apply money. When the market goes down, they don't panic. They see opportunities.
By automating your investments and staying focused on the long term, you harness the power of compounding.
Fear does not dictate your choices. This contrasts with common behavior: many sell assets during a crisis and accumulate idle cash.
The practice recommended by this expert is clear: invest at least 20% of your income, increasing this share over time.
This consistent habit creates a solid foundation for financial growth over the years.
2. Have multiple sources of income at the same time
Relying solely on a job's salary is risky.
The advance of automation, artificial intelligence and globalization make professional stability increasingly uncertain.
Millionaires know this and diversify their income. Many have income from stocks, rentals, side businesses, royalties, financial investments and consulting work.
Each of these sources acts as a shield.
If one fails, the others keep the cash flow going. This approach acts as a financial safety net.
And it doesn't require millions to get started: renting a room, giving classes or creating a small business are already viable paths.
The logic is simple: instead of relying on a single monthly check, the ideal is to build paths that guarantee varied income over time.
3. Always evaluate the opportunity cost
Another habit present among millionaires is to think in terms of opportunity cost.
In other words, they calculate what they are giving up by making certain financial decisions.
A direct example: before buying a luxury car for R$300, they ask themselves how much that amount could yield if it were invested.
The same goes for spending on leisure activities. Travel and gifts are carefully considered. This doesn’t mean that millionaires don’t spend — it just means that they prioritize long-term goals first.
Before big purchases, they ask three questions:
- Will this appreciate in value over time?
- Will it help generate more income?
- Am I giving up something more important by spending this now?
This mindset helps channel resources into smarter, more strategic decisions.
4. Truly believe that they deserve to be rich
In addition to practical habits, there is an emotional element: self-confidence.
Self-made millionaires have an unshakable belief that they deserve wealth. For them, money is not exclusive to an elite. It is something that can be created.
This vision generates action. They don’t hesitate to seek a raise, start a business or invest boldly.
If they make mistakes, they learn. If they lose, they start over. The bottom line is that they believe wealth is a construct, not a privilege.
According to the expert, many people fail to become rich because they think they don’t have the right profile. But just look at the millions of millionaires in the world to change that perception. The question that should be asked is not “why them?”, but rather “why not me?”
The four habits highlighted do not require inheritance, luck or an extraordinary salary.
These are simple but consistent attitudes that shape the way a person deals with money over time. According to the expert, anyone can adopt this model — as long as they are willing to change the way they think and act financially.
With information from cnbc.
Good evening! I'm Lauriti, I thought the article about the investor was very good, the hard part is that I'm scared.