Middle class family man sees money as something to save, to place in safe investments. He reduces risk, is cautious, does not spend on luxury items. Rich man sees money as a means to an end, not the end. A tool. You win some, you lose some. It takes money to make money. Risk is opportunity. Throw into the mix, The Millionaire Next Door (middle class value system) vs. the hustler MLM Ponzi get rich quick guy, some of whom actually get rich. Probability-wise, is the road to wealth built on adding value to the equation and thrift, on adding value to the equation and spending a lot of money in the process, or in creating a pet rock? I tend to be more the conservative middle class type, but I wonder whether this is holding me back or whether its a virtue. With the knowledge that there are a good deal of wealthy folk here (making, say, $500,000 per year plus), and probably a good deal of formerly wealthy folk, I would appreciate your thoughts on this question.