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The Millionaire Next Door: The Surprising Secrets of America's Wealthy (Millionaire Set)

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Un livre très intéressant sur les personnes riches qui ne sont pas celles que l'on croit. Si il y a un enseignement à retirer de ce livre, c'est la nécessité d'être frugal, économe, voire radin si ont veut disposer d'un certain patrimoine.
En effet la richesse est la différence entre l'argent qui rentre et l'argent qui sort. Pour être riche il faut un maximum d'argent qui rentre et un MINIMUM d'argent qui sort.
Comme le conseillent les deux auteurs du livre il faut donc être frugal, frugal, frugal si on veut rejoindre le club des millionaires
Ainsi les auteurs se sont rendu compte que beaucoup de 'riches' roulaient dans des voitures modestes, portaient des montres bon marchés, etc...

Autre constat, ils ont un nombre d'enfants souvent limité, n'ont peu ou pas divorcé et restent longtemps dans la même entreprise ou ils accumulent une importante ancienneté qui les préserve à l'occasion du licenciement.
Les millionaires n'investissent également pas en bourse de la même façon que les autres et préfèrent acheter un appartement d'occasion plutôt que de faire construire avec les incertitudes que cela comporte.

Un livre qui motive à faire des économies et qui démystifie la richesse.

Ce livre permet de découvrir le vrai visage des millionnaire américain et faisant tomber cette façade de société de consommation et d'argent facile tant étalé dans les médias.

C'est le titre que l'on pourrait également donner à ce livre. Même s'il est en anglais, il reste facile à lire où chacun trouvera quelques tuyaux faciles à appliquer pour trouver la voie de la prospérité.

While this book is not a how to become a millionaire guide, by looking at the habits of first generation millionaires, it makes it seem within one's grasp. My wife and I have been inspired to achieve millionaire status in 10 years after reading it! It should be noted that The Millionaire Next Door is geared mainly to people who earn above average incomes and spend their money on fancy clothes, expensive cars and other conspicuous consumption items and never really accumulate wealth. If you are in this category, this book will make you think about your spending habits and whether or not you are willing to forego spending now in order to build up your nest egg and lead a comfortable retirement.

There is a lot of emphasis on frugality in this book. However, if you are a low income single parent in a minimum wage job, frugality is choosing store brand over name brand in the supermarket. There is no money left over to invest in stocks and real estate because just about everything is being spent on the bare necessities. Perhaps Stanley and Danko should write another book profiling people who came from dirt poor backgrounds and achieved financial independence. That would really be inspiring.

This book has made remarkable highlights on the secrets to become a rich (or so called millionaire). Although the points mentioned are easier said than done. But if you persists, how come you could not be the next millionaire in the world.

This book reads like a novel. Although Ozzie and Harriet were not rich on their television show, the description of today's wealthy family reminded me of that old program. I found it interesting to learn what today's rich consume, how they dress, how often they eat out and what cars they drive. However, I was left looking for some direction on what a young person today should do to have a great chance of becoming rich to join this upper income class and lifestyle. Without that direction, the old "stalls" in THE 2,000 PERCENT SOLUTION set in. Donald Mitchell, Carol Coles and Robert Metz include The Procrastination Stall, which may show up as staying in your old job because it is secure even though you can get a better one and The Tradition Stall where your parents and grandparents were hard-working middle income folks, so you should be also. Perhaps a sequel to this book, researching the best practices for becoming rich and the trends in best practices would help steer people in the green direction. Also, some measurements about how much to invest where and what rate of progress is expected would also be useful. There are eight-steps in THE 2,000 PERCENT SOLUTION which lead people to progress at 20 times the average rate. I recommend that as a complementary book to THE MILLIONAIRE NEXT DOOR to get people started on identifying and getting rid of their own "stalls" and developing their own success measures.