 As we studied 10,167 millionaires, we found that 89% of them were not millionaires because of inherited money. In other words, they invested money, they handled money wisely, they lived on less than they made, they got their house paid off, they stayed out of debt, and they built wealth. And that's how 89%, 9 out of 10, of America's 24 million millionaires right now, that's how they became millionaires.