I enjoy reading the rags to riches article.I've learned to be a saver and began 15 years ago to apply debt free living principles. I wouldn't consider myself rich with the money that is saved and realize there is another part to increasing assets. This is the part I haven't mastered- how to create wealth from a business venture or just become a better salesperson at life.

Dr. Stanley,
I recently purchase the 7 cd set of Stop Acting Rich. I am on cd #5. Thank you so much for putting this book and cds together! It really puts you in the right mindset how the millionaires think and do with their money and how us regular folks just throw away money and try and act rich! I have read your Millionaire Next Door book also my youngest daughter who graduated from Georgia State Univ.this May gave me The Millionaire Mind for a Father's day gift last year. But, I haven't read it yet. But, next month I will be reading it too! Thank you soon much in all you do! Keep doing what you do!I hope to meet you one day soon so you can sign my books. Thanks!

5. I was raised in an atmosphere filled with love and harmony.

Reading your books has helped me to realize, living without credit cards, driving used cars, and no mortgage is a good place to be. I am there. *grin* Yet, I'd like to have a savings and more play money. Maybe that's normal.

Thanks for writing 'The Millionaire Next Door'.

I did notice that when I was young I didn't spend as much on the "toys" that my peer group did (military officers). I found I did need to have a minimum of things that worked and worked well like a car, a couple of good suits, stereo, etc. but they had to be good values (e.g., Honda, Men's Wearhouse). Once I had these, it allowed me to be comfortable when "mixing" with my peer group or any other social situation. I wanted to feel comfortable in these situations, but I had no need to have the best of anything.

1. I have more wealth than most people in my wealth/income group.

2. We are financially better off than our neighbors.

These two bother me a bit. I'm just not convinced that this is a good thing in the long term. I think of the once wealthy who "jump from windows" when the economy fails (I believe at least one billionaire committed suicide, even thought he was still a billionaire). If my self worth is caught up in my net worth then I'm living on thin ice. This past recession helped me to remember that I am not my net worth nor am I my corporate job.

Love your books. I have TMND, just read Stop Acting Rich, and have a hold on TMM at the library. I love opinion based on statistical information. Keep up the good work!

5. I was raised in an atmosphere filled with love and harmony.

6. My parents taught me how to invest and manage money.

Unfortunately, there's nothing I can do to go back in time and try to convince my parents how much more happy I could be if they would have raised me in a better atmosphere. But also, as I grew up and saw their lack of financial literacy it helped me to realize that I had to search for answers elsewhere. Even though they didn't teach me anything about finances, it was good that they made their mistakes clearly evident. Children aren't dumb, they know when their parents don't have the answers -- the best thing my parents did was not to try and justify their mistakes and allow me to find people that were winning with money so I could model better behavior.

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