The rich and wealthy have more than they need. They live below their income and have more money left over each month. They spend less than they earn. They do not live paycheck to paycheck. They take care of their security and necessities first. They think in terms of their networth and not income. They have long term appreciating assets. They’re careers are more passion based and not for money. They budget and have a plan for their money. Their money works for them and they do not work for money. They follow principles, practices and percentages no matter how much money they have. They are well educated and disciplined.