Reader,

Let’s play a game.

When you think about what a millionaire’s life looks like, what comes to mind?

Would it be daydreaming about mansions, fancy cars, and jet-setting adventures? The glossy lifestyle of the rich and famous, the bro culture of the masses. We’ve been sold this materialistic caricature of a lifestyle and made it look like the ONLY way to be a millionaire.

But really, when you look at this lifestyle, while it may seem like a bit of fun for a while, that is short-lived. This stereotype shows nothing more than how to spend like a frivolous millionaire. One who, if they don’t have solid systems in place or a wealthy relative, probably won’t stay that way for long.

But here’s the thing – genuine wealth isn’t a show. It’s more about what you’ve got in the bank, your security blanket, the money that you lean into whenever you need it.

The great thing is that real millionaires, the ones that get to stay millionaires, are everywhere. They wear jeans and drive normal cars. Real millionaires sleep well at night, are understated, yet shine with a confidence that only comes from the freedom to control their time.

There is no reason why you can’t reach for that top table, too. Trust me, there is plenty of room. Money is cool like that, it doesn't care who owns it.

It’s time to break the stereotype.

The Millionaire Mindset Shift

From Show to Substance

Tip 1: Wealth is Saving, Not Spending

Forget the spending sprees. Real wealth is about building, not blowing your hard-earned money. Every euro you save is a step up the money ladder.

Tip 2: Money’s a Shield, Not a Showpiece

Your cash isn’t for show; it’s your safety net. Forget the flashy display of affluence, that stuff ends up in landfill. Focus on what really matters and create a solid financial foundation one piece at a time.

The Quiet Power of Real Wealth

Actions Speak Louder

Tip 3: Freedom Over Flashiness

True wealth isn’t about the stuff to show to the neighbours; it’s about living life on your terms. Focus on the freedom that money brings, not the show.

Tip 4: Independence Beats Impressions

Real millionaires don’t care about appearances. Break free from expectations and chase your financial goals. It’s the small moves that lead to big financial wins.

Practical Steps

Walk the Walk

Tip 5: Set Clear Money Goals

Know what you want. Whether it’s building out your sinking funds, investing, or paying off debts, set goals that match your version of real wealth.

Tip 6: Save Like It’s a Job

Wealth is a habit. Before you spend a dime, save a piece. Make it a routine, and soon, spending will feel strange.

Tip 7: Invest Smart for the Long Haul

Check out investments that fit your goals. Spread your bets and think long-term. Skip the quick wins; aim for lasting gains.

Your Millionaire Journey Starts Now

Let’s Get Going

It’s time to ditch the millionaire stereotypes. True wealth is about smart choices, not just big material things that need more money to maintain; draining you even more. It’s your turn to redefine millionaire living – substance over style.

Let’s block out the noise, forget the fancy stuff, and start a millionaire journey that actually means something.

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This week's reads and resources

• Podcast I’m listening to - We Study Billionaires These guys interview and study famous financial billionaires, including Warren Buffett, Ray Dalio, and Howard S. Marks, and teach us what they learn.
• Key Tool - 8 Mindset Hacks to Instantly Boost Your Financial Confidence​​
• Book I'm reading - The Richest Man in Babylon dispenses financial advice through a collection of parables set in ancient Babylon. These famous "Babylonian parables" offer an understanding of - and solution to - a lifetime's worth of personal financial problems, and hold the secrets to acquiring money, keeping money, and earning more money.

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"The art is not in making money, but in keeping it."

- Proverb

More money, more freedom, more happiness,

Kel 'wearing jeans' Galavan

PS: Whenever you're ready, here are the ways I can help you: ​​ ​​​1:1 Coaching:​​ Rise Money Formula, heal your relationship with money and get in the driver's seat of your future once and for all. Be the first to know about the next ​Rise Money Formula​ group coaching program Lunchtime webinars for your workplace. Just hit reply.