Building wealth for most people is a long process that requires discipline and sacrifice. There are many people who will waste their life away, wanting things to be different. Then there are those who are willing to change themselves to change where they are going. These are the people who have what it takes to become wealthy. These are the people who have a plan.

1. They don't live like millionaires.

What we mean is, they don't spend the way most people you would conceive as millionaires do. Those people who spend money like it's going out of style generally end up broke. They must file for bankruptcy and get rid of their fancy house, cars, and materials to pay their debt. Self-made millionaires know the value in not spending all their money. They know waiting for what you want and saving for what you need is the only way to get there.

2. They are cheap.

More than not, when you meet millionaires, they are penny pinchers. They will be a little more stingy with their money. And that is OK! You don't have to help every Tom, Dick, and Harry out there! They are wise with their money. Some of them are maybe a bit like Scrooge. You don't have to be so extreme, but don't spend every penny you have, just because you have it.

3. They give to charity.

Charitable donations not only help the conscience, they also help when tax season comes around. Those who give sizeable donations to charitable organizations, and have receipts for it, can take those contributions off their taxes. It is a win-win-win, right?

4. They invest.

Millionaires know that money sitting is just that -- money sitting. It isn't doing anything for you. Even if you don't invest it, but you put it into a high interest account, it is more likely to accrue money for you later on than money in your pocket. When you get a paycheck, allocate what you need for bills and living, but put 10 percent into investments or savings.

5. They earn a little more.

These are the people who are not afraid to go ask their bosses for a raise. They know how to work more hours at their job just to get that paycheck a little bit higher. They know how to do whatever it takes not to have to live paycheck to paycheck, because they put in the effort.

6. Get an education.

Although you will see some who do not get an education, the majority of millionaires see the value of an education, in getting a better job and compensated more for their work. School is expensive, but so is getting to millionaire status.

7. They work side jobs.

Many millionaires work one to three jobs, and their spouses do the same thing. They work as much as they can to bring home as much as they can.

8. They marry well.

Not that they marry rich. They marry someone with the same goals and value of money as their own. Their spouses may be as frugal, or even more so. That is the measure of good millionaires. They know how to become millionaires together.

9. They are organized.

They know where every penny goes. They know what each of their assets are doing. They do their own money managing. Do you think they would let someone who may potentially mess it all up take care of their money?

10. They teach their children.

Millionaires teach their children how to work hard and be millionaires. Their children know how to save for and earn what they want.
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