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Affiliate Millionaire Club review – Is it a scam or make millions online?

  • Online opportunities

by Miren – May 29, 2020 June 9, 2020 8

Welcome to my Affiliate Millionaire Club review!

You have come across this program called Affiliate Millionaire Club ( and are wondering if this one will help you become financially free, am I right? Or is it just another scam that will leave you with less money at the end of the day?

Firstly, congrats on doing your research! There are many scams and low-quality programs out there so you need to make sure you know what you’re in front of before making a purchase.

I’m not affiliated with Affiliate Millionaire Club so you will not see any affiliate link here in this review.

I will show you what Affiliate Millionaire Club is about, how it really works, whether or not you can benefit from it and more.

Table of Contents

Affiliate Millionaire Club review

Name: Affiliate Millionaire Club

Website URL:

Owner: Mo & Ahmed

Launched in: 2020

Price: $47/month + upsells

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Overall Ranking: 2/10

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What is Affiliate Millionaire Club supposed to be?

When I first heard the name Affiliate Millionaire Club, I thought it would be another overhyped product.

I mean, I’ve reviewed hundreds of products and I’ve noticed that most products with the word “millionaire” in their names are usually scams or low-quality products.

When it comes to the sales page, it looked like another get-rich-quick scam page because it had some red flags that I’ll discuss later in this review.

However, I didn’t want to judge this program based on its appearance or name, so I watched the sales video and did intensive research.

The Affiliate Millionaire Club sales video can really get you excited, right?

Mo has set up an affiliate website that is already earning you money while you’re watching the video. So are you making money just for watching the video??

Even though this program was launched in 2020, the video I watched was uploaded to YouTube in 2020 and has over 4,700 views, as you can observe in the screenshot below:

Affiliate Millionaire Club sales video

So my question is: has Mo created these many affiliate websites? No, it wouldn’t make sense that he was creating affiliate websites for everyone watching the video.

He claims you’re making money while watching the video just to get you excited and keep you on the page, but it’s all a lie.

If it were true, don’t you think everyone would be watching that video? I would even tell my family and friends to watch it lol.

There’s no such thing as making money without doing nothing, if it were that easy then most people would have already made millions online.

Mo bashes the gurus for scamming people and claims his goal is to stop them, but he’s literally doing the same thing. He tells you everything you would like to hear just to get you to purchase this program.

And then, what will it happen? Will you make money or not? Let’s see how this program really works.

How does Affiliate Millionaire Club work?

Affiliate Millionaire Club doesn’t work like Mo claims. There’s no way you’re going to earn money the same way you get your affiliate website.

There’s no button you can push to start making sales on autopilot. As I said, everyone would be doing it if it were this easy.

In this section I’ll be going over the business model, what you get with this program and the reasons why it doesn’t work.

The business model

The business model taught in this program is legitimate and can be very lucrative when used the proper way.

If you haven’t heard of affiliate marketing before, your job as an affiliate marketer is to promote other people’s products/services and make a commission from each sale.

The concept is easy to understand, but it still takes time and hard work to generate a full-time income online using this business model.

What does Affiliate Millionaire Club include?

Let’s see what’s inside the Affiliate Millionaire Club members area:

The training includes videos and PDFs about affiliate marketing, email marketing, social media marketing, SEO (Search Engine Optimization), Google Adsense and personal growth.

All of this cannot be learned in a day and requires you to put in the time and effort to make it work, that’s why there’s no such thing as starting making money right away after purchasing it.

Another problem I see with the training is that it’s not updated and doesn’t go over everything you need to know to start making money.

2. A website builder

What about the websites? You will get a website builder to build websites easily. You will only need to choose the product you want to make money from, choose a domain name and put in your affiliate link.

One of the problems is that building websites is not enough. Without your website getting traffic, there are no sales to be made.

Another thing is, these websites are “cookie-cutter sites”, which means that they’re created with the same template and have no original content, something not liked by search engines like Google.

Why Affiliate Millionaire Club doesn’t work

As I said before, the websites you’ll be getting with Affiliate Millionaire Club aren’t original or valuable so they will not make you any money.

Everyone who purchases this program will be given the same websites, which means that they will not rank on any search engines and will not get any organic traffic.

Search engines like Google, Yahoo and Bing rank websites that constantly provide original, interesting, helpful and valuable content. Duplicated websites with copied content don’t work nowadays.

Another problem is the fact that the websites created by the Affiliate Millionaire Club software are subdomain websites, which means that you don’t own them and don’t have control over them.

Therefore, if Affiliate Millionaire Club shuts down, you will lose the websites. That’s why having your own domain website is essential if you’re looking to build a profitable long-term online business.

Is Affiliate Millionaire Club a scam?

I know many people would call Affiliate Millionaire Club a scam because it doesn’t live up to its promises.

In my opinion, it’s a low-quality program because some of the training is helpful, even though is not enough to make a full-time income through affiliate marketing.

With that being said, I want to point out some of the red flags I’ve found so that you know what to look out for if you ever come across another program like this.

The testimonials are fake

The people who appear in the sales video and claim to have earned thousands of dollars in a short amount of time are not real members of this program.

They’re Fiverr users who sell their acting services for something like $5, which is no big deal for the con artists behind Affiliate Millionaire Club.

Fake testimonial Proof 1

I remember this man below has appeared on many scam videos, like Click4Surveys .

False testimony Proof 2

If Affiliate Millionaire Club really worked like Mo claims, he wouldn’t have had to pay these Fiverr actors for positive opinions, don’t you agree?

Fake members’ earnings

What about the members’ earnings that Mo shows in the sales video? These proofs of income are completely fake and these people from the pictures haven’t even tried Affiliate Millionaire Club.

They might not even know that their pictures are being used to promote this scam.

As you can observe below, these pictures can be found on stock photography websites like shutterstock, depositphotos, pixabay..

Fake earnings Proof 3 Fake earnings Proof 4

False scarcity

They use the “limited slots available” tactic just to get you to purchase this program as soon as possible.

But the truth is that there’s no limit when it comes to the amount of spots left, do you think these people would reject your payment?

You can check out the Affiliate Millionaire Club sales page tomorrow and nothing will have changed, the amount of spots available will be the same as today.

Ads inside the members area

Another thing I don’t like about this program is the fact that the members area is full of advertisements and banners.

Affiliate Millionaire Club members area

I find it’s quite annoying and an indication that Mo just cares about making money himself. Those banners have affiliate links embedded, which means that Mo will earn commissions when people click on them and purchase those products.

Lack of transparency

When it comes to the price, they’re not being transparent because they don’t mention all the costs.

They want you to believe that you will be able to make a full-time income online just for $47. But the truth is that this is a membership that will cost you at least $47/month, not to mention that you will be bombarded with upsells just after joining.

This is how these kind of programs make most money.

Oh, and it’s completely fake that you can earn a “fast & easy commission”, it’s just another fake claim to rush you into buying this program.

What the real Affiliate Millionaire Club members have said…

I haven’t found any real positive review of Affiliate Millionaire Club. All comments and reviews I’ve found are negative.

Most of them claim they haven’t got a response from support and haven’t even got their money back.

Affiliate Millionaire Club complaint (source: Affiliate Millionaire Club complaint (source:

As Alan Hastie says, they don’t deliver what they promise and their customer support is uncaring. All of this proves that the people behind Affiliate Millionaire Club just care about earning money themselves.

The truth in the disclaimer

Last but not least, if you scroll down to the bottom of the Affiliate Millionaire Club sales page, you will find the earnings disclaimer where the truth about this program is stated.

Affiliate Millionaire Club disclaimer

“The typical purchaser may not make any money using this system”

The reason why this disclaimer is at the bottom of the page is because they hope it will go unnoticed and you will not read it.

Build an affiliate marketing business the right way

I highly don’t recommend Affiliate Millionaire Club for several reasons that I’ve explained in this review.

Programs like Affiliate Millionaire Club are what give the whole Internet marketing industry a bad reputation, that’s why I feel the need to expose them.

Affiliate marketing is a legitimate business model that was created to benefit everyone involved. Yes, you don’t need to promote crappy or low-quality products just to make money. Chasing the money doesn’t work for the long-term.

If you’re starting out and looking for an ethical way to make a living online, it’s best to build your own online business that makes you passive income for many years to come.

I and many other people are using the affiliate marketing business model to make money online and I believe that anyone who puts in the effort and time can do it too.

One of the reasons why I love affiliate marketing is because it allows you to make money from products/services related to a topic you’re passionate about.

With the right training and business tools, you’ll be well on your way to building a thriving affiliate marketing biz.

If you’re interested in learning where you can get the same training and tools I use, click the button below now:

When you check out my review about my favorite affiliate marketing platform, you will also see how you can get started for free !

In addition, you will get my personal help & support and will also get the chance to get in touch and interact with other bloggers & Internet entrepreneurs =)

I’m so excited for you to stop wasting your time on scams and start building your online business today!

I hope you have found the answers to the questions you had regarding Affiliate Millionaire Club. Please feel free to share this post with anyone who might benefit from it!

If there’s something else you want to know or you would like to share your opinion, don’t hesitate to leave a comment below and I’ll get back to you soon. ?

Millionaire Match Reviews – Is It The Right Dating Site For You?

At VIDA, our dating experts have tested just about every dating site and app under the sun.

In terms of member quality and responsiveness, Millionaire Match is tough to beat.

In fact, this exclusive dating site has produced some of the best results for our clients we’ve ever seen.

This Millionaire Match review has everything you need to decide if it’s the right dating site for you, too!

Exclusive Bonus: Download our 5 favorite conversation starters to get immediate response from attractive women.

$$$ Can’t Buy You Love (But It Can Sure Help You Find It)

As you can tell from the name, this site is for millionaire dating. In other words, your tax bracket matters.

While most women seeking relationships are looking for men with some sort of stable career, or at least a promising future, Millionaire Match goes the extra mile and highlights wealth as a key point of attraction (hence the name).

Like most millionaire dating sites, having a six-figure salary to join isn’t mandatory – but being well established financially definitely helps.

And if you are, indeed, a millionaire, taking the time to go through the certification process and submit required financial documents to get verified pays off big time.

The real gems on the site are discerning enough to spot “cheap talk” a mile away, and attractive enough to be extremely picky about only dating real millionaires. The “Certified Millionaire” label on your profile will draw them in like moths to a flame.

If you’re looking for the total package – sexy AND successful – this is the place to find it.

If you aren’t a millionaire, that doesn’t necessarily mean you can’t be successful on the site.

Just be ready to meet her expectations, as the site’s most sought after women definitely harbor some preconceived notions regarding the contents of your wallet. Your Groupon ain’t going to cut it if you want your night to go well.


  • We’ve gotten some of the highest response rates of any dating site for our more discerning clients on Millionaire Match.
  • The site attracts beautiful women seeking everything from a long-term relationship or marriage to casual dating. And while you may find a sugar baby or two on the site hoping to meet wealthy men, it’s not geared for sugar dating and in fact tries to discourage that type of arrangement.
  • Overall, the site has a classier vibe and a larger user base than any other site in its class.
  • Millionaire singles can go through the verification process so other users know they’re legitimately wealthy.


  • As with any site of this nature, you’re sure to stumble across the occasional gold digger or prostitute.
  • Anyone can create a profile as a free member. Be prepared to do some curating, but you’d be doing that on any site, right?
  • Initiating a message exchange requires a Gold membership, and the basic/free membership also has limited search functionality.


One of the best exclusive dating sites out there. The high-quality singles and overall responsiveness of the users makes it worth becoming a premium member.

What Other People Are Saying

Millionaire Match has the reputation of being a legitimate dating website full of authentic people seeking a real relationship, which can be a rare commodity online. The Huffington Post commented on its certification process, illustrating that the additional documentation required to prove your millionaire status adds legitimacy to the entire site.

Across the board, Millionaire Match usually clocks in at #1 whenever exclusive dating sites are ranked in dating sites reviews. It’s also credited with being one of the first to successfully launch the “exclusive” concept (and get it right). In its early days, Forbes even gave it a shout-out.

How Much Is Millionaire Match?

Even though creating a profile is totally free, you’ll have very limited access to the site’s full potential. For instance, you can’t send messages unless you upgrade to a Gold membership, although as a free (Standard) member you can reply to messages sent from Gold members.

A Gold membership costs $70 for a single month, $135 for 3 months, or $240 for 6 months (subject to change), but it’s totally worth it.

Here are some of the perks you’ll get when you upgrade to a premium membership:

  • Ability to send messages and full access to live chat features.
  • See who has visited your profile.
  • Eligibility for the certification process.
  • “Message read” notification so you know who’s opened your message (and who hasn’t).
  • Access to advanced search filters like newly joined, certified millionaires, income, height, photo, and keywords.
  • Ability to create a private photo album, and control who can and can’t see your profile.
  • Check how often a particular member replies to messages, so you can use your time wisely.

Millionaire Match has both a dating website and a dating app, which is available for iOS or Android:

From a time efficiency standpoint, the ability to do keyword-based searches alone is worth the cost of upgrading.

For instance, let’s say you’re an avid skier, and that’s a quality on your “Must Like” list.

Do a search with all of your basic criteria and the keyword “skiing”, and boom – the resulting list is a treasure trove of criteria-meeting women who like to ski.

Now, instead of spending 20 minutes composing the perfect icebreaker message to one specific woman, you can spend a just a few minutes sending this cut & paste message to 20 of the most attractive women who mentioned skiing in their profiles:

Invest a bit of time writing quality, attention-grabbing icebreaker messages centered on a few keywords, and get ready for the responses to flood in.

For more messaging tips and examples of conversation starters that really work, click here.

PRO TIP: Upgrading to Gold status allows you to see who checked out your profile. If she intrigues you, send a message – she’s 78% more likely to respond if she previously visited your profile.

Setting Up An Account

Getting started on Millionaire Match is extremely easy. Just go to now and press the “Join Now” button. After you enter some basic information and complete the email verification, you’re ready to create your profile.

There are 4 main components of a Millionaire Match profile:

  • Headline – 100 characters or less, with at least 10 characters mandatory
  • About Me – 4,000 characters or less, with at least 50 characters mandatory
  • About My Match – 4,000 characters or less, with at least 50 characters mandatory
  • Photos – You have the ability to upload 26 photos into public, private, and “luxury” albums.

There’s also a “More About Me” section where you can provide a first date idea, share some hobbies and interests, let your matches know how many past relationships you’ve had, etc.

A headline and at least a brief description of yourself and your ideal partner is required, and to get the best singles responding to your messages you’ll want to put some effort in.

Use these tips to make sure your profile stands out from the competition!

Even though you can upload a ton of photos, that’s not a good idea. It’s far more effective to use a small assortment of photos in which you’re equally attractive – say 3 to 6.

Not sure how to identify your strongest photos? Get plenty of dating photo advice here.

Once you have your profile set up, you can go on to verify your income. This part is a little laborious, but well worth it for the street cred it gives you on the site.

You’ll need to upload one of these three documents, as well as a copy of your driver’s license, state or military ID, or passport:

  • Your personal (not business) tax return from the last financial year that documents your earnings of over $200,000
  • A bank statement showing that you’ve earned over $200,000 during the current financial year
  • Proof that your net assets exceed $1 million

Only Gold members are eligible for the certification process, so you’ll need to purchase a premium subscription first.

The Easiest Way To Find Your Ideal Partner On Millionaire Match

As with any exclusive dating site, you’ll get the best results if your profile, photos, and messages are a cut above the rest. The site attracts successful people, so competition is fierce and standards are high. Why leave anything to chance?

Let VIDA help! Our team consists of professional writers, photo editors, and dating experts – all of whom will work together to create your perfect dating profile, select your very best photo lineup, and exchange messages on your behalf.

Your role? Showing up for the dates with incredible singles who are already excited to meet you.

Click here to learn more about VIDA’s modern dating service !

About VIDA

VIDA Select takes all the frustration, hard work and hassle out of modern dating! From a dedicated personal matchmaker to a crew of professional writers, everything will be handled for you. Wouldn’t it be nice to finally stop swiping and start dating higher quality matches so you can meet someone special? Thousands of singles have trusted VIDA Select with this incredibly important mission, and we’re ready to make you our next success story. To see if you qualify, answer a few quick questions now.

How I Became A Millionaire

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Welcome to the Meet Millennials Series. In this series, I feature incredible millennials and allow you to share your story with money.

Today, I am releasing an interview I had with a very successful individual who shared some career and life advice. He wanted to remain anonymous, however, he did reveal that his net worth is over three million dollars. I think all of us as millennials can learn something from his experience and advice. Also, this will remind you that when you look at a very successful person you typically are like, wow their so amazing and are geniuses. However, you should dig underneath and remember something, people are rewarded in public for what they practiced years in private. Today, you will learn his story and how he become a millionaire. I was very lucky to interview this individual who will remain nameless; here is how the interview unfolded.

Meet Millennials Series: How I Became A Millionaire


So tell me your story:

I’m 39 years old and just worth over 3 Million dollars. I’m from a very small, poor town in rural Texas (2 hours from civilization). I went to college right out of high school, graduated, but had some challenges and ended up homeless. I spent a year living in a broken down car in Los Angeles and sleeping on various floors across town. Eventually, I pulled myself out and started my climb.

That’s an amazing feat, how did you do it?

I got a job at a Jewelry Store at age 30 and quickly realized it was an out-dated, inefficient business model that requires stores to scourge consumers on price in order to fund mammoth overhead costs. Eventually, after 15 months learning as much as I could, I left to get my Graduate Gemology Diploma from the Gemological Institute of America. At the same time, I started helping friends with small diamond purchases (overwhelmingly for engagement rings). 8 years later, I now own a thriving Diamond Import and Jewelry Design Company.

Great story, can you share some career advice for the millennial generation?

I have more advice than I have time or you have patience to hear.

  • First, screw the Joneses. Trying to keep up with them is a 100% guarantee you will never be wealthy.
  • Everything from governmental policies and laws, to marketing and advertising is designed to separate you from your money.
  • Don’t buy into “what everyone else is doing”.
  • Just because others spend $200/mo on a cell phone bill, doesn’t mean you “need to”.
  • Just because everyone else has Google Fiber, doesn’t mean you “need to”.
  • Just because everyone else spends $80 every Friday on over-priced cocktails, doesn’t mean you “need to”.
  • Just because everyone else has a big house, or flashes their exotic vacations on Facebook or trades in their car ever 2-3 years……..doesn’t mean you “need to”.

So you would say saving is a critical aspect to generating wealth?

Absolutely. When you get a paycheck, take 10-20% off the top and immediately send it to a savings or investment account.

There is no substitute for “time”. So, don’t waste time blowing money when you’re young, thinking you’ll make up for it when you’re older. You can’t and you won’t. I’ll give you an example.

Right now, I have $3M. Let’s say I earn 5% interest on my money. That’s $150k/yr of interest earned. The millennial generation makes the mistake of thinking that all they lose by putting off saving when younger is the money they would have saved. But, let’s assume I started saving 2 years later than I actually did. I didn’t just lose the money I would have saved those 2 years in my early 20s, I lost the INTEREST I would have earned later in life.

I expect by the time I’m 65, I’ll have around $10M saved up. What’s 5% of $10M? It’s $500k. If you do the math, getting started saving 2 years later would mean I have $9.07M at 65 instead of $10M.

Those 2 years didn’t just cost me the $10k – $20k I would have saved, it cost me $1M I will never earn in interest on what I eventually do save.

There is physically no way to make up for lost time. So, don’t screw up your opportunity to get started at 22. You do not need a high dollar job to retire a multi-millionaire. You just need to be a consistent, wise saver, and investor.

Should we follow our passions or go where the money is?

Don’t follow your interests. Rather, follow your talents and needs which will lead to a successful career. What do you need out of a day to feel fulfilled?

Me: I need interpersonal relationships, I need a noble cause, I need to be analytical, and I need to be able to teach/educate. I do that all day long building friendships with clients, saving their butts by revealing common, legal scams, saving them money, strategizing how to make every project perfect, analyzing the details of diamonds and metal blends, and educating clients on about 200 different things they have no idea even exists, because the $12/hr sales people at stores haven’t the faintest clue.

I honestly don’t care much for jewelry. It doesn’t interest me on a personal level. But, I leave work everyday fulfilled, because I do something that makes use of my talents & ticks all of the boxes for what makes me feel fulfilled in the course of a normal day.

Don’t get sucked into chasing dollars. You’ll be miserable. You only live once. Choose your career wisely & you will love going to work 95% of the time.

Any other personal advice for the millennial generation?

Have a vision for where you want to go, then determine what skills, attributes, and education you’ll need to get there:

  • If you want to be an entrepreneur, hone your people skills.
  • People open doors, and people close doors.
  • They hold the purse strings, make the hiring decisions, make introductions to others, etc.
  • If you have incredible people skills, you will go far in life.

I’m a natural introvert, and have physically pushed myself to do everything from door-to-door sales, to cold calling, to public speaking classes, to teaching classes, all so I could grow in this area [jewerly business].

Anything other advice for the millennial generation that you would want to share?

Surround yourself with people who have what you want. If you want an incredible marriage, make friends with some older people who have an incredible marriage. If you want to be a great entrepreneur, make friends with *successful* entrepreneurs. If you want great kids, surround yourself with people who have great, older kids. If you want great wealth, surround yourself with great savers & investors.

Many times a person with great ambition can be undone by getting in a boat with friends who are rowing the opposite direction. This is a very tough lesson to implement, because there are a lot of great people who suck at life or simply suck in key areas you don’t want to suck in. That doesn’t mean don’t have friends who are wasteful with their money, make bad decisions, have poor relationships, just make sure you have people in your life who are mentors & inspirations in every area you want to excel and spend time with them often.

The boring stuff: Know your credit score. If you ever want to buy a house, get a loan for a business, or all the other legit stuff in life that makes life great you’ll need good credit. You can get your credit score for free nowadays. Most companies make you sign up for a trail or charge you an outrageous amount of money. It’s really something. Credit Sesame will give it to you for free…and it likes around 1 minute. Once you get your score, check for errors. Finding and correcting just one could give your credit score a huge boost.

Do you have any regrets?

I wish I’d saved even more when I was younger. I also wish I’d focused more on developing leadership & management skills which would have led to a successful career at an earlier age. I also wish I’d done a better job anticipating growth and being prepared for it in advance.

How did you actually feel when you realized you were a millionaire?

I didn’t actually care, because the goal was never a million dollars. My goal is $5M – $10M of liquid savings (not counting house & assets that can’t easily be liquidated). I have $2M liquid & will be around $2.5M – $3M liquid within about 3-4 months. But, I have a work to do. When I get to a point where I can live an upper middle class lifestyle on *half* my interest income, I’ll be thrilled. Until then, I’m not going to start celebrating.

What was the journey to the first million like?

The journey requires sacrificing a lot of personal time, hobbies, interests, money, family time, nights, weekends, and holidays to get traction (assuming entrepreneurship) the kind of stuff politicians don’t want to acknowledge when they’re decrying “the rich”. My advice is to pace yourself. It’s a marathon, not a sprint. Don’t sacrifice family for wealth. You’ll regret it. And remember, your family will never be as young tomorrow as they are today. One day you’ll wake up and your parents & everyone will be old and towards the end of their lives. And, all the things you could have done with them decades back, are no longer a possibility. And, all the conversations you should have had, they no longer can have. Don’t lose yourself to gain a dollar.

Closing Thoughts

I wanted to let my readers know that there is some great valuable advice here, however, everyone has different goals, aspirations, and walks of life. There are also studies that show after you are financially secure and reach the 75K annual income level, your happiness won’t increase anymore (source). If you want to actually become a millionaire yourself, I would recommend reading the Millionaire Mind, it provides you with an overview of the average millionaire and an insight into how they made their money through very attainable means. The book provides you with raw data and statistics behind the average millionaire, not fortune 500 millionaires, which makes you feel like becoming a millionaire is no longer a wild dream but a very attainable goal. However, this was a great learning experience for me and hearing about somebody else’s story with money. Ready to share your story?

Want to become a millionaire yourself? I would recommend reading this book, The Millionaire Mind, which provides roadmaps as to how average millionaires found their niches through very attainable ways. After reading this book, I felt like becoming a millionaire is no longer a wild dream but a very attainable goal.

How to Become A Millionaire – 5 Steps to Becoming Wealthy

Posted by Ryan Guina Last updated on April 8, 2020 | Money Management
Advertiser Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone. This article may contain links from our advertisers. For more information, please see our Advertising Policy.

My wife reads my site and often sends me links to stories and other ideas. One day she sent me a link to an article called 8 Ways to Make a Million bucks. The article chronicles 8 different millionaires and shares a brief story about how each of them reached millionaire status.

As you would expect, the stories are as diverse as the people they highlight. Several people started their own business, one man made his millions in real estate, a firefighter cashed in his pension, and another made his millions working an $11 an hour job (and making wise money decisions along the way).

I sent my wife a quick e-mail thanking her for the link and in closing, I wrote, “I wonder what our millionaire story is going to be?”

Her response: “You think we will have one?”

Me: “Of course, it’s only a matter of time.”

And I believe that. I don’t know what it will be, and it may not be glamorous, but we will be millionaires. It’s only a matter of time – and a few other factors.

A Step by Step Guide to Making a Million Dollars

Becoming a millionaire is not extremely difficult. It takes money, time, discipline, and a little luck. All you need to do is follow these 5 steps:

You Need a Source of Income

Unless you are born into riches, inherit wealth, or strike it rich in the lottery, you need to earn money. And as this 78-year-old man proves, you don’t need to earn a lot of money to become wealthy; it’s what you do with that money that matters.

If you want to increase your odds of becoming a millionaire, then look at some of these methods of making extra money. Just adding a few of these ideas to your lifestyle can increase your wealth. Check out a quick way to make an extra $250 free money just by opening up a new account with Chase Checking, you have to start somewhere!

Not only do you need a source of income, but having a second income is a great idea as well. I don’t mean that you have to have an additional part-time job, but find a way to make a couple of extra bucks on the weekends or a few nights during the week. This could be anything from freelance work to selling homemade goods on Etsy. Making an extra hundred bucks every month could have a huge impact on your millionaire journey. It may not seem like a lot, but it can really add up every year.

How are we doing? My wife and I earn a decent living, but along the way, we made several lifestyle choices which reduced our income, including the decision for my wife to be a stay at home mom. I firmly believe we will still become millionaires – even in a one income household – and the reason I hold firm in this belief is that we follow the rest of the steps in this article.

Earn More Than You Spend

My wife and I have done fairly well with our finances, primarily because we spend less than we earn. Another, and perhaps better, way to look at this is to earn more than you spend. I am not implying you should deprive yourself of the things you enjoy or live a monk’s lifestyle.

My belief is that you should focus on buying value on the things you enjoy, and you should focus on making big wins to reduce your expenses on non-essentials and things which don’t bring you joy. For example, in our family eating out is a treat. We save a lot of money by not dining very often. But, when we do dine out we focus our efforts on nights where kids eat free. Not only do we save money this way, but if my son decides that tonight’s dinner choice is not high on his list of priorities, we didn’t waste money on a meal. This takes the financial tension out of any wasted food and allows my wife and I to enjoy the meal more.

Above all else, living within your means is the key to financial success. If you can combine both of these principles, earning more and spending less, you will be ahead of 95% of the world. If you want to supercharge your millionaire journey, it’s important that you aren’t spending every dime that you earn.

You probably can’t demand a raise from your boss, but there are a few simple ways that you can essentially give yourself a raise. Simple cutting out some of your major expenses, like canceling your cable or going out to eat less can save you hundreds of dollars every year. If you save $200 every month, you’ll find yourself with $2,400 at the end of the year.

Save Some of Your Income

There is a simple fact that many people miss: you will never grow wealthy if you spend everything you earn. Regardless of how much money you earn, you need to put some aside in savings. Having a cash cushion is nice because it helps you prepare for unexpected expenses and helps you avoid debt. But there is another reason that saving money is important – because of taxes and other factors, money saved is worth more than money earned!

Another advantage of having some cash savings is the ability to use the money for investments or other large purchases when you come across a good deal. This could be a something like an investment, property, or just a good deal that saves you thousands of dollars on a major purchase. Take advantage of these principles and save money whenever possible.

Make Regular Investments

Investing is the best way to grow your wealth. Compound interest has been called the strongest force in the universe, and you want that force working for you! There are many ways to invest, and you can be successful as long as you make wise investment decisions and let time and compound interest work for you.

Investing in tax-advantaged retirement accounts such as a 401k or Roth IRA can help you grow your wealth more quickly since you won’t have the drag of taxes pulling down your investment portfolio. You can also use retirement accounts to shape your taxes both now and in the future, giving you a powerful tool to help grow your wealth.

Investing can seem intimidating if you haven’t started yet. But it doesn’t have to be. Check out these investment strategies for beginners to get you started on the right path. You can also start by opening a 401k plan with your employer, or opening a Roth IRA.

Monitor and Repeat the Process

The path to becoming a millionaire becomes easier once you get the process started. It all starts at the beginning with small lifestyle changes. For example, making small lifestyle changes to reduce your fixed monthly expenses can go a long way toward helping you spend less than you earn. This, in turn, makes it easier to save a little money each month. Once you have a little cash saved, small emergencies are no longer emergencies and you are no longer treading water. This makes it easier to invest.

There are other things you can do to make the process easier. You can, for example, set up an automatic savings or investment program so you don’t have to think about it. Out of sight, out of mind is a great motto when it comes to saving.

But you also need to know where your money is going. I recommend using some form of money tracking software to give you an idea of where your money is going. There are a number of excellent free online money management tools which make it easy to see your income, expenses, and spending patterns in one place.

My favorite is a free money management tool called Personal Capital which helps you track income, spending, and your investments.

Once you know your patterns, you can plan your spending and investing around them to help you reach your goals.

The Millionaire Mindset – 5 Traits All Millionaires Share

M any of us are interested in becoming millionaires. However, that goal sometimes seems rather far away. You don’t have to be born rich, or inherit a fortune, to become a millionaire. If you have the right stuff, you can work your way into your millions. But it helps to know what traits often make a millionaire. Here are 5 traits that many millionaires have — and that you can develop:

1. Frugality

Not all millionaires are frugal. However, many of those who are self-made millionaires practice some form of frugality. Even billionaires like Warren Buffett have some frugal habits. Frugality is about look for ways to get the best value for your money. It doesn’t always mean getting the cheapest thing; it’s more about the best value. It also means that you don’t waste your money on things that you don’t need or want. Practicing frugality can help you keep more of your money for the future.

2. Willing to Make Wise Investments

Most millionaires know that it takes money to make money. Millionaires understand the power of compound interest. The study out how to make wise investments. Whether it’s taking good care of themselves so that they aren’t spending money on health care later, investing in a good education (not necessarily college, though), starting a business, or finding solid stocks to buy, millionaires study out what is likely to bring them a return. They make solid investments after considering the options.

3. Focus and Discipline

If you want to be a millionaire, it helps to know what you want, and then have the discipline to go after it. When you set a goal, you focus on it and pursue it. This means that you don’t get sidetracked by less important matters. If you know that you need to set $1,000 a month aside in order to meet your millionaire goal within an allotted timeframe, you focus on that. You cut expenses or, better yet, look for ways to increase your income, so that you can meet your goal. Sometimes it’s not fun, but millionaires usually stick with it.

4. Optimism

You might find, when speaking with millionaires — especially self-made millionaires — that there is an element of optimism and joie de vivre. Many millionaires know that if things go wrong, it is possible to find the bright side, learn from mistakes, and move on. Additionally, many millionaires know how to enjoy life as well. Many successful and happy millionaires understand that there is more to life than just amassing wealth; sometimes you need to spend time with your family and friends, eat good food and relax a little. However, the ability to find a silver lining, and to have the persistence to try again, is one of the defining traits of a millionaire.

5. Willing to Get Their Hands Dirty

Sometimes, it takes a little elbow grease to get there. Or, if you are running a business, it might take some late nights. Millionaires are willing to work hard and do things for themselves when they need to. Millionaires are also willing to do what it takes, even if it means taking on an unpleasant job. A millionaire also knows that this includes taking responsibility for his or her financial destiny, refusing to blame others for misfortunes and finding ways to make sure income streams are diverse.

Is Becoming Wealthy Really that Simple?

Earn money, spend less than you earn, save, invest, repeat the process. Embrace the Millionaire Mindset. After that, it’s just a matter of time. Even if it takes years or decades, the process really is that simple. Of course, it may not seem as easy as I laid it out here, but it really is. Remember, this is not an overnight get rich quick scheme. It takes time, planning, and a little luck along the way.

Get started. If you want to become a millionaire, you need to decide to do it and get started. If you are not able to save money right now because of debt or other financial obligations, you should work on those issues first. A good place to start is with Dave Ramsey’s Baby Steps. This is a tried and true method for setting up an emergency fund, paying down debt, and beginning your investments. Once you have that started, you can begin your million dollar journey.

What will your millionaire story be?

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