{"id":7502,"date":"2018-07-18T14:19:04","date_gmt":"2018-07-18T20:19:04","guid":{"rendered":"https:\/\/www.personalfinanceforbeginners.com\/?p=7502"},"modified":"2019-01-03T17:52:13","modified_gmt":"2019-01-04T00:52:13","slug":"million-dollars-club","status":"publish","type":"post","link":"https:\/\/www.personalfinanceforbeginners.com\/million-dollars-club\/","title":{"rendered":"Million Dollars Club: How To Join The Group of Millionaires"},"content":{"rendered":"<p>Did you know that almost one-third of Americans expect to become millionaires during their lifetime?<\/p>\n<p>If you\u2019re one of those individuals interested in joining the Million Dollars Club, it\u2019s time to take a quick crash course on how your millionaire dreams can become a reality.<\/p>\n<p>In this post, you\u2019ll learn a few different ways that a \u201cmillionaire\u201d is often measured, how you can calculate your net worth, and what you can do to join the Million Dollar Club even faster!<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_49 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Jump to...<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"ez-toc-toggle-icon-1\"><label for=\"item-647a0d187236c\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-647a0d187236c\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-visibility-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.personalfinanceforbeginners.com\/million-dollars-club\/#Requirements_for_the_Million_Dollars_Club\" title=\"Requirements for the Million Dollars Club\">Requirements for the Million Dollars Club<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.personalfinanceforbeginners.com\/million-dollars-club\/#How_to_calculate_your_net_worth\" title=\"How to calculate your net worth\">How to calculate your net worth<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.personalfinanceforbeginners.com\/million-dollars-club\/#The_Million_Dollar_Club_How_to_Join\" title=\"The Million Dollar Club: How to Join\">The Million Dollar Club: How to Join<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.personalfinanceforbeginners.com\/million-dollars-club\/#Ways_to_start_earning_more_money\" title=\"Ways to start earning more money\">Ways to start earning more money<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.personalfinanceforbeginners.com\/million-dollars-club\/#Ways_to_start_saving_more_money\" title=\"Ways to start saving more money\">Ways to start saving more money<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.personalfinanceforbeginners.com\/million-dollars-club\/#Benefits_of_the_Million_Dollars_Club\" title=\"Benefits of the Million Dollars Club\">Benefits of the Million Dollars Club<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.personalfinanceforbeginners.com\/million-dollars-club\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Requirements_for_the_Million_Dollars_Club\"><\/span>Requirements for the Million Dollars Club<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>So what does it take to join the Million Dollars Club?<\/p>\n<p>At first, the question seems a little unnecessary, but you can actually look at the definition of a millionaire from a few different angles:<\/p>\n<ul>\n<li>Do you need to have one million dollars of cash in the bank?<\/li>\n<li>Do you need to be earning at least $1 million every single year?<\/li>\n<li>Do your assets, like a house, count toward your million dollar requirement?<\/li>\n<\/ul>\n<p>When it comes to measuring your million, there are a few different metrics you can use to count your dollars (or whatever the local currency might be):<\/p>\n<ol>\n<li><b>Net worth:<\/b> The total sum of your assets minus your liabilities<\/li>\n<li><b>Total assets:<\/b> The total value of all financial assets that you own<\/li>\n<li><b>Liquid assets:<\/b> The total value of all your financial assets that are immediately accessible<\/li>\n<\/ol>\n<p>Depending on which number you choose to use, you can end up with drastically different lifestyles in mind.<\/p>\n<p>When you first hear the word \u201cmillionaire,\u201d you might think of large houses, fancy cars, and big boats. It&#8217;s the type of <a href=\"https:\/\/www.personalfinanceforbeginners.com\/generational-wealth\/\">generational wealth<\/a> you often see in the news, history books, or movies.<\/p>\n<p>That might be the millionaire lifestyle for some people, but for every card-carrying millionaire out there, you can find another (or several) who are \u201cThe Millionaire Next Door\u201d \u2013 those who have carefully built their net worth over time and rarely display it.<\/p>\n<p>For what it\u2019s worth, the most commonly-accepted definition of a millionaire \u2013 and the one we\u2019ll be using in this post \u2013 is $1 million in total net worth.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_calculate_your_net_worth\"><\/span>How to calculate your net worth<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>To monitor your progress along the million-dollar journey, it\u2019s important that you understand how your net worth is calculated so you can take a \u201csnapshot\u201d of your wealth from time to time.<\/p>\n<p>You might be afraid to calculate your net worth your net worth for one of two reasons:<\/p>\n<ol>\n<li>You hate math and it sounds complicated<\/li>\n<li>You feel insecure or ashamed about past financial decisions<\/li>\n<\/ol>\n<p>While it might be intimidating to confront your current financial situation, \u201c<a href=\"https:\/\/www.personalfinanceforbeginners.com\/make-peace-finances\/\">making peace with your money<\/a>\u201d is a necessary step before moving toward your goal of a million dollars (or any financial goal).<\/p>\n<p>How will you ever know if you\u2019re a millionaire if you don\u2019t do the math!?<\/p>\n<p>Here\u2019s the quick, high-level equation for how you can calculate your net worth:<\/p>\n<p><i>Assets (Liquid + Fixed) \u2013 Liabilities = Net worth<\/i><\/p>\n<p>Grab a sheet of paper and create a list for each category. Here are some examples that will fall under each part of the equation:<\/p>\n<ul>\n<li><b>Liquid assets: <\/b>cash, savings and checking accounts, CDs, stocks, bonds, mutual funds<\/li>\n<li><b>Fixed assets:<\/b> your house, car(s), jewelry, electronics, furniture<\/li>\n<li><b>Liabilities:<\/b> all outstanding debts (mortgage, auto loan, <a href=\"https:\/\/www.personalfinanceforbeginners.com\/minimum-student-loan-payments\/\">student loan<\/a>, credit cards)<\/li>\n<\/ul>\n<p>Add the assets together and then subtract the liabilities from your total. The remainder is your net worth.<\/p>\n<p>I think it\u2019s useful to calculate your net worth by hand (or spreadsheet) the first time to make sure you understand what goes into the equation or get a rough idea of where you\u2019re starting&#8230;<\/p>\n<p>But if the formula becomes too messy, there are financial tools like <a href=\"https:\/\/www.mint.com\/\">Mint<\/a> or <a href=\"https:\/\/www.personalcapital.com\/\">Personal Capital<\/a> that can \u201cmagically\u201d perform the nitty-gritty calculations for you!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Million_Dollar_Club_How_to_Join\"><\/span>The Million Dollar Club: How to Join<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Looking at the net worth equation, there are two different financial behaviors you need to focus on to become a millionaire:<\/p>\n<ol>\n<li>Increasing your assets<\/li>\n<li>Decreasing your liabilities<\/li>\n<\/ol>\n<p>Working on either of these two factors will help you reach that million dollar net worth.<\/p>\n<p>By earning more money \u2013 and saving more of what you earn \u2013 you\u2019ll be able to allocate additional money toward long-term financial success through acquiring assets and paying off your debts.<\/p>\n<p>Here are some helpful tips for you to earn and save more:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ways_to_start_earning_more_money\"><\/span>Ways to start earning more money<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Finding ways to earn more money is critical if you\u2019re trying to work your way into the Million Dollar Club.<\/p>\n<p>To <a href=\"https:\/\/www.personalfinanceforbeginners.com\/become-a-millionaire\/\">become a millionaire<\/a>, you\u2019ll actually need to earn <i>multiple<\/i> millions of dollars as much of what you earn will go toward immediate expenses like groceries, car insurance, or other purchases that don\u2019t build your net worth.<\/p>\n<p>These tips can help you boost your income:<\/p>\n<p><b>Wake up earlier \u2013 or work later.<\/b> Whether you\u2019re an early bird or a night owl, you can accelerate your millionaire journey by finding additional time to work a second job, build a business, develop new skills, etc. Personally, I\u2019ve found the best <a href=\"https:\/\/www.personalfinanceforbeginners.com\/waking-up-earlier\/\">results from waking up \u201cearly\u201d<\/a> \u2013 right now my definition of early is 6:00 am \u2013 so I can set the tone for the entire day and prioritize working on my goals while my body is recharged.<\/p>\n<p><b>Start a side hustle.<\/b> If you\u2019ve ever dreamed of being your own business or building your own business, side hustling might be the perfect fit for you. <a href=\"https:\/\/www.personalfinanceforbeginners.com\/side-hustle-benefits\/\">Side hustling has many benefits<\/a>: you can enjoy a change of pace from your day job, diversify your income in case of financial hardship down the road, or simply develop new skills that complement your r\u00e9sum\u00e9 in your current career.<\/p>\n<p><b>Make the most of a raise at work.<\/b> Next time you <a href=\"https:\/\/www.personalfinanceforbeginners.com\/i-got-a-raise\/\">get a raise at work<\/a>, stop and evaluate your financial goals before you catch yourself giving in to \u201clifestyle creep.\u201d Since you\u2019re already used to making ends meet with your previous income, why not allocate that new income toward paying down your debt or increasing your monthly investment contributions rather than upgrading your car or housing?<\/p>\n<p><b>Put your money to work for you.<\/b> Sure, you can reach $1 million by earning one dollar at a time \u2013 let\u2019s say $20,000 for the next 50 years. Most members of the million dollars club didn\u2019t get there by saving a dollar at a time. Instead, most millionaires invest their savings so that early income can multiply for them down the road. Get started early and let compounding returns do the work for you.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ways_to_start_saving_more_money\"><\/span>Ways to start saving more money<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.personalfinanceforbeginners.com\/start-saving-more-money\/\">Saving more money<\/a> will be critical throughout your entire millionaire journey, whether you\u2019re trying to build your net worth by:<\/p>\n<ul>\n<li>Paying down your debts as quickly as possible<\/li>\n<li>Maximizing your down payment on a house<\/li>\n<li>Minimizing the interest you pay by making purchases with cash<\/li>\n<li>Starting your own business, etc.<\/li>\n<\/ul>\n<p>If you find that having \u201cextra\u201d money seems to burn holes in your pockets, here are some ways you can work on saving more instead:<\/p>\n<p><b>Learn how to have fun without spending money.<\/b> It can be hard to find cheap <a href=\"https:\/\/www.personalfinanceforbeginners.com\/cheap-fun-boring-weekends\/\">things to do when you\u2019re bored<\/a> on the weekends, especially if your friends want you to spend $15 on brunch or $40 on cocktails. While it\u2019s okay to enjoy these things in moderation, you can speed up your journey toward millionaire status by mixing in some free\/cheap alternatives like hosting a potluck brunch or game night instead.<\/p>\n<p><b>Make the most of the resources available to you.<\/b> If you\u2019re trying to maximize the utility of your money, avoid spending it when you can get similar things or experiences for free. One of my favorite resources for <a href=\"https:\/\/www.personalfinanceforbeginners.com\/5-ways-save-money-library\/\">saving money is the library<\/a>. The library\u2019s benefits extend far beyond simply checking out books. Underutilized perks include free museum or park passes, Lynda.com subscriptions, and a variety of community events and classes!<\/p>\n<p><b>Keep your financial splurges in check.<\/b> When it comes to saving money, sticking to your budget is key. That\u2019s not to say you can\u2019t ever treat yourself to a nice dining experience or weekend getaway. (After all, <a href=\"https:\/\/www.personalfinanceforbeginners.com\/favorite-financial-splurges\/\">personal finance blogger splurge<\/a> sometimes, too!) Just make sure your splurging is meaningful to you and doesn\u2019t introduce long-term, recurring expenses moving forward.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Benefits_of_the_Million_Dollars_Club\"><\/span><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-7504 alignright\" src=\"https:\/\/www.personalfinanceforbeginners.com\/wp-content\/uploads\/2018\/07\/million-dollar-club-requirements.jpg\" alt=\"\" width=\"300\" height=\"551\" srcset=\"https:\/\/www.personalfinanceforbeginners.com\/wp-content\/uploads\/2018\/07\/million-dollar-club-requirements.jpg 600w, https:\/\/www.personalfinanceforbeginners.com\/wp-content\/uploads\/2018\/07\/million-dollar-club-requirements-163x300.jpg 163w, https:\/\/www.personalfinanceforbeginners.com\/wp-content\/uploads\/2018\/07\/million-dollar-club-requirements-558x1024.jpg 558w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>Benefits of the Million Dollars Club<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>So what\u2019s the big fuss about wanting to join the Million Dollar Club, anyway?<\/p>\n<p>You deserve to be warned:<\/p>\n<p>The benefits of becoming a millionaire may not quite be what you imagined.<\/p>\n<p>Sure, everybody wants to <i>look<\/i> like a million bucks, and everybody wants to <i>spend<\/i> a million bucks\u2026<\/p>\n<p>But here are some of the <i>real<\/i> advantages you can enjoy when you have a million dollars or more in net worth:<\/p>\n<ul>\n<li>Feel greater peace of mind when faced with financial uncertainty<\/li>\n<li>Develop confidence in your ability to make sound financial decisions<\/li>\n<li>Know that your money is working for <i>you<\/i>, not just the other way around<\/li>\n<li>Skip interest payments and unwise debt by making purchases with cash<\/li>\n<li>Have financial resources available to take advantage of new opportunities<\/li>\n<li>Make decisions based on your own goals and <a href=\"https:\/\/www.personalfinanceforbeginners.com\/financial-values-questions\/\">financial values<\/a> rather than necessity<\/li>\n<\/ul>\n<p>And yes, you can more readily afford to indulge in some of life\u2019s splurges and luxuries with your discretionary income, too.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>To close, here\u2019s some good news which might seem intimidating based on your financial situation:<\/p>\n<p><i>It will likely take a net worth of $1 million or more for you to retire.<\/i><\/p>\n<p>That\u2019s right. If you\u2019re making adequate contributions to your retirement accounts, it\u2019s probably just a matter of time (perhaps 30-40 years) until you hit that seven-figure wealth and get your Million Dollar Club award in the mail.<\/p>\n<p>Does becoming a millionaire during your life seem out of reach?<\/p>\n<p>Don\u2019t despair. When it comes to your personal finances, it pays to be patient with yourself. While \u201cquick wins\u201d can help you stay motivated, the Million Dollar Club is open to everyone willing to make a consistent effort over the long run.<\/p>\n<p><i>Do you want to become a member of the Million Dollars Club? What interests you the most: having a million dollars, looking like a million dollars, or spending a million dollars?<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Did you know that almost one-third of Americans expect to become millionaires during their lifetime? If you\u2019re one of those individuals interested in joining the Million Dollars Club, it\u2019s time to take a quick crash course on how your millionaire dreams can become a reality. In this post, you\u2019ll learn a few different ways that [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7503,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0},"categories":[34],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Million Dollars Club: How To Join The Group of Millionaires<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.personalfinanceforbeginners.com\/million-dollars-club\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Million Dollars Club: How To Join The Group of Millionaires\" \/>\n<meta property=\"og:description\" content=\"Did you know that almost one-third of Americans expect to become millionaires during their lifetime? 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