Great article and a lot of wisdom from Bob. I worry that the word millionaire as it was used in the past refers to more like $10 million today. I also worry when people I know ask me how they can get to financial independence in 5 or 10 years. That sort of objective takes 20-30 years, and impatience is what kills the plans of most people. They can’t figure out why it’s not working so they take stupid risks. Certainly applied to me. Great post, thanks.