[ransom1538]

Exactly this. People have have studied 10k different millionaires this is what they found [0]:

* Eight out of ten millionaires invested in their company’s 401(k) plan.

* The top five careers for millionaires include engineer, accountant, teacher, management and attorney.

* 79% of millionaires did not receive any inheritance at all from their parents or other family members.

It isn't hard. However, but poor luck: divorce, drugs, medical can wipe out chances immediately.

[0] https://www.ramseysolutions.com/retirement/the-national-stud...