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I'm currently reading a book called "The Millionaire Mind", it's the follow up to "The Millionaire Next Door". A quick rundown so far that I've read. Theses people who've made it "big" have basically worked for themselves. There "retirement accounts" were to a large part the equity in their business. These people have all found niches that they could exploit and all worked hard. They weren't geniuses nor had megabucks to start with. Interesting read and reaffirms some of the decisions I've made before I knew I had the "millionaire" potential.

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