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As the ranks of America’s millionaires continue to grow, the question for many becomes: “How can I join the club?” For a billionaire entrepreneur like Mark Cuban, joining the 3-comma club was about discipline and investing in himself.

“You’ve got to have discipline in how you spend your money,” Cuban told MONEY in an interview. “You also have to be a little bit of a risk taker. Or invest in your education—whatever it may be to help you get to the point where you can truly save money.”

Image: http://time.com