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Just wanted to point out I made a mistake in language in the original post.

The following paragraph has been revised with the correction in bold.

"Let's assume that the 23-years-plus millionaires (183 millionaires) are among the 50% that have little or no mortgage (<$100,000). What you'll then find is that of the millionaires who have lived in their home for LESS THAN 23 years (550 millionaires), 80% CARRY MORTGAGES. In fact 45% of those remaining millionaires (<23 years) have mortgages of more than $300,000."

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