I read an article a while back that did a psychological profiled middle income Americans and wealthy Americans. The goal of the study was to find out the why. Why are some people stuck in the middle class? Why is it that some people are content with mediocrity? The one thing that this study had found is that people with money believed that you do not need money to make money; whereas people in the middle class felt that they had to have the money first to invest, in so being, were continually saving and never felt that they were secure enough to take a risk.
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To read the original article: Break the Habit & Cut the Safety Net : Under30CEO
