Great article, Jari. The truth is brutal; there are no excuses, and everyone can become a millionaire. However, only a minority ever will.

The first personal development book I held in my hands five years ago was about millionaire habits. I was eager to learn the secret sauce to success. My journey began when I understood that these principles were very straightforward yet required consistency and discipline.

For many of us from coming from low- or mid-income families, changing our money mindset is the first thing. In addition, you need faith and an obsessive idea. You need to become a successful person before you can become a millionaire.