People who salt away millions tend to be both frugal and pragmatic -- they're always looking for ways to make money, Siebold said.
"They take their skills and find a problem they can solve," he said.
Instead of saving your money, Siebold recommends developing an entrepreneurial passion. Millionaires tend to be lifetime learners who are always looking for ways to improve products or services and make money, he added.
"The rich expect to earn more money every year and aren't surprised as millions of dollars flood their bank accounts," he said. "The rich have trained themselves to expect big things to happen, and as a result they are bold, aggressive and fearless in their pursuit of wealth."
-- Donna Gehrke-White, Sun Sentinel