BELLEVUE, WASHINGTON - NOVEMBER 19: Microsoft Chairman Bill Gates speaks during the Microsoft Shareholders Annual Meeting November 19, 2013 in Bellevue, Washington. Gates spoke about the search to replace Steve Ballmer, who was attending the meeting for the last time as CEO. (Stephen Brashear/Getty Images)

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Accident of birth is a great thing. Take the Walton kids. All are billionaires almost from birth. But they are in the minority of the super rich. They are in the bottom 30 percent or so of those who have acquired wealth by inheritance.

The other 70 percent of the super rich got that way by thinking differently than you do. They see the world in a totally different way than the poor or middle class.

And to make matters worse they succeed not because of education, luck, or three wishes from a magic lamp. As Joe Karbo (Video)so famously wrote so long ago, “They find a need and fill it.”

Are The Middle Class And Poor Programed To Fail?

In many respects they are and here’s why. From birth we have other people directing our lives and making decisions for us. First it’s our parents, teachers, later in life a boss at work or in the military.

If you have a good idea and try to go out on your own now all the decisions are up to you. For many people that’s a scary proposition.

But those who take ownership of their job – no matter where that job is on the income scale — will have an advantage. What do I mean by take ownership of your job?

Here’s what I mean. Suppose you are a counter person at McDonald’s. If you owned McDonald’s what kind of person would you want taking orders at the counter or drive thru? Be the owner of McDonald's when you are doing that job.

Act like you are the owner filling in at the counter. Do that at every job, and you will be amazed at your advancement opportunities.

Are The Middle Class And Poor Properly Educated?

I’m not talking about schooling. Anyone who can read, write, add, subtract, multiply and divide can be a billionaire. I’m talking about your real world education.

I’ve worked for 25 different companies in 17 different industries. That real world experience has not only taught me how industries are run but how they react with each other.

I must have been absent the day the taught, “How to be successful,” in college. I never got the brochure on that class. So I learned that education by associating with those who are successful.

If you’re not successful I will still be your friend, drink a beer with you but I may not put you on my advisory board right away.

Do The Poor And Middle Class Have Vision?

Living from paycheck to paycheck is not a very enviable way to live. The rich know that immediate gratification using credit is not as productive as delayed gratification paying cash.

The rich know that if your goal is a nice home, you need to see, touch and feel a nice home. Seeing and touching it makes it real not just a dream in the back of your mind.

I stopped financing cars years ago. Why pay interest on a depreciating asset? If you are currently making a car payment, Dave Ramsey has a great way you can “Drive Free Cars for Life,” without changing your current lifestyle or payments.

If you question the rate of return in the video read more.

Some Final Thoughts

The rich are not greedy, selfish, or inconsiderate of others anymore than you are. The rich are simply you, thinking differently about how to turn money into an appreciating asset rather than a depreciating one.

A dollar spent is gone forever. A dollar saved grows in value with no additional effort on your part.

How do you find someone you can trust to help you handle your money? Ask every rich person you know whom they use and if the fees and advice is worthy of you being their client.

Remember the rich are just like you with a slightly different mindset.

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