Investing in income-generating assets and being frugal allows you to find the right balance between building long-term wealth and enjoying a fulfilling and happy life. Getty
Investing in income-generating assets and being frugal allows you to find the right balance between building long-term wealth and enjoying a fulfilling and happy life. Getty
Investing in income-generating assets and being frugal allows you to find the right balance between building long-term wealth and enjoying a fulfilling and happy life. Getty
Investing in income-generating assets and being frugal allows you to find the right balance between building long-term wealth and enjoying a fulfilling and happy life. Getty

How to become a millionaire


Felicity Glover
  • English
  • Arabic

It’s a long-held dream for many: $1 million (or more) in the bank and financial freedom from the stress of living pay cheque to pay cheque. But reaching the magic $1m mark is easier said than done. In fact, it takes hard work, discipline, patience and a “millionaire mindset” to change bad spending habits to reach your wealth potential, according to financial experts.

That's not to say it can't be done – the more than 50 million millionaires in the world today are proof of that, according to Credit Suisse's Global Wealth Report 2020.

Just ask Warren Buffett, the centibillionaire chairman of Berkshire Hathaway and one of the world’s most successful investors.

Mr Buffett, 90, made his first $1m at the relatively tender age of 30. It took him another 20 years to hit his first $1 billion thanks to his renowned long-term investment strategy.

Now the world’s seventh-richest person with a fortune of $100.7bn, according to the Bloomberg Billionaires Index, Mr Buffett’s financial success also comes down to his hard work and spendthrift “millionaire mindset”. He still lives in the same house in Omaha that he bought in 1958 for $31,500, pays himself just $100,000 a year, buys breakfast from McDonalds and prefers a cherry Coke to more expensive beverages.

“The millionaire mindset really comes down to having a plan, relentless focus, resilience and discipline,” Stuart Ritchie, director of wealth advice at AES, says.

“These people are growth-oriented and ambitious – they know what they want, how to get it and how to adjust their lifestyles to make it happen.”

We speak to financial experts about their top tips on how to change your mindset and manage your money like a millionaire.

Start with the basics

Financial success hinges on getting the basics right, including calculating what you need to live on for a decent lifestyle and working out what you have left over to invest, Stuart McCulloch, senior executive officer at The Fry Group, says.

“It’s worth engaging with a properly qualified financial adviser whose agenda isn’t based on commission; whose agenda is based on putting together a strategy to work for you,” Mr McCulloch says.

A person who is more 'millionaire-minded' will be more conscious of their money, where it is coming from and where it is going – that makes a big difference

“[This] strategy … gives you flexibility and efficiency to see that money grow. It can become quite addictive, quite a joy, seeing that pot grow bigger and bigger.”

Tip: Record all incomings and outgoings to calculate your needs versus wants and work out how much you can afford to save and invest every month.

Set a goal and stay motivated

There’s a difference between wishing you were a millionaire and actively working towards becoming one, says Soniyaa Punjabi, a life coach and founder of Dubai-based well-being centre Illuminations.

It’s also important to know why you want to become a millionaire, Ms Punjabi says.

“That ‘why’ will help motivate you when you must put in the extra hours at work or make yet another cold call to sell your product. It will keep you focused on your goal and help you take inspired action to achieve it,” she says.

Tip: Set your $1m target and stay motivated to achieve your wealth goal.

Understand what millionaires do differently

People who accumulate wealth tend to be more aware of their money and actively manage it, says Carol Glynn, the founder of Conscious Finance Coaching. This compares with the average saver, who might struggle to find the discipline to budget, save and plan for the future.

“A person who is more ‘millionaire-minded’ will be more conscious of their money, where it is coming from and where it is going – that makes a big difference,” Ms Glynn says.

“Millionaires generally have multiple sources of income and they buy assets with the view to having passive income or other income-generating assets rather than [something] for show.”

Tip: It's important to remain engaged with your money – and knowing exactly how and where it is being invested.

Learn the millionaire mindset

A millionaire mindset is a combination of factors, according to Ms Punjabi. These include having the right beliefs about wealth and leading a disciplined lifestyle of spending, saving and investing wisely. It is also important to remember that self-worth is not tied to your net worth, she says.

“If you are always looking at others with envy because of the money they have and if you constantly pinch pennies from others, you are definitely not thinking with a millionaire mindset,” she says.

“I rarely value anyone based on their wealth. Money can be your greatest asset or your greatest liability.”

People born with a millionaire mindset are in the minority, but it is a discipline that can be learned, Ms Glynn says.

"Mindset is everything, but I think it's definitely something you can learn," she says. "There's a great book called The Millionaire Mindset [by Gerry Robert], which is all about changing your mindset and your feelings towards money."

Tip: Educate yourself on how to change your beliefs about money and start practising a more disciplined lifestyle to achieve your wealth goals.

Try to avoid financial mistakes

Millionaires are more conscious of how expensive a financial mistake can be because they have more money at stake, Mr Ritchie of AES says.

“As a result, they do their due diligence before making a financial decision and scrutinise every detail,” he says.

“This could be when it comes to hiring a financial planner or where to invest their money. They often stick to a strict financial plan, which is built around their own personal goals."

Tip: Research every investment you make to decide if it is right for you and your wealth goals – and don't be afraid to ask a certified financial adviser for help.

Should I be an extravagant or spendthrift millionaire?

That depends – do you want long-term wealth or to flash the cash until you’ve got nothing left? Millionaires who are more frugal tend to be the ones who retain their wealth longer, Ms Glynn says.

“There is this concept of being rich versus being wealthy,” she says.

“We can be cash-rich for a period of time and have a high income. But if you spend it on things like fast cars, holidays and have no income-earning assets to back that up, then you're rich for a period of time, but you're not wealthy.

It's worth engaging with a properly qualified financial adviser whose agenda isn't based on commission; whose agenda is based on putting together a strategy to work for you

“People who tend to have long-term wealth and maintain that millionaire status for the rest of their life [and future generations] are the people who tend to be a bit more frugal and more sensible with their money, who buy income-generating assets rather than fast cars.”

Tip: Focus on building long-term wealth with income-generating assets, but also find the right balance to enjoy a fulfilling and happy life.

Invest like a millionaire

Millionaires typically have different investment vehicles and spread their wealth across a variety of platforms and asset classes, Mr Ritchie says.

“They have investments for their retirement, properties they enjoy living in and some may invest in things they enjoy such as art, classic cars or antiques,” he says.

Flexibility and liquidity are also key factors to consider when investing if you find yourself having to rebalance your portfolio, Mr McCulloch of The Fry Group says.

A mixture of asset classes including government debt, such as gilts and bonds, property elements and fixed-income products should be included in a diversified portfolio.

“You're [also] going to have things like corporate bonds … property-related funds or ETFs, diversified equity exposure across different geographies, different sectors, so that you're not just overly concentrated into one area or one country or one sector,” he says.

Tip: Diversification, spreading your risk and understanding your risk level are key elements to consider when creating a long-term investment strategy.

What are the do’s and don’ts of investing like a millionaire?

It’s important not to chase fads or the promise of a “get-rich-quick” investment, Mr Ritchie says.

“I know there are a lot of new and exciting ways to invest, but that doesn’t mean they are the best solutions to grow and preserve your wealth,” he says.

“Stick to an evidence-based, systematic investment approach and leave it alone to work for you. I guarantee this will be far less stressful than chasing market fads, star funds or market performance – and will free up more of your time to do things you actually enjoy.”

Tip: Stick to your long-term strategy rather than fads to preserve your wealth.

8 ways to manage your money like a millionaire

  • Start with the basics and figure out your budget and how much you can save and invest each month
  • Set your wealth goal and stay motivated
  • Understand what millionaires do differently and follow their lead – stay actively engaged with your money and investments
  • Learn how to adopt a "millionaire mindset" and change your beliefs about money
  • Research every investment you make to decide if it is right for you and your wealth goals – and don't be afraid to ask a certified financial adviser for help
  • Find the right balance between building long-term wealth and enjoying a fulfilling and happy life
  • Understand your risk profile as you build a diversified investment portfolio
  • Adopt a long-term strategy and stay away from fad investments
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Where to buy art books in the UAE

There are a number of speciality art bookshops in the UAE.

In Dubai, The Lighthouse at Dubai Design District has a wonderfully curated selection of art and design books. Alserkal Avenue runs a pop-up shop at their A4 space, and host the art-book fair Fully Booked during Art Week in March. The Third Line, also in Alserkal Avenue, has a strong book-publishing arm and sells copies at its gallery. Kinokuniya, at Dubai Mall, has some good offerings within its broad selection, and you never know what you will find at the House of Prose in Jumeirah. Finally, all of Gulf Photo Plus’s photo books are available for sale at their show. 

In Abu Dhabi, Louvre Abu Dhabi has a beautiful selection of catalogues and art books, and Magrudy’s – across the Emirates, but particularly at their NYU Abu Dhabi site – has a great selection in art, fiction and cultural theory.

In Sharjah, the Sharjah Art Museum sells catalogues and art books at its museum shop, and the Sharjah Art Foundation has a bookshop that offers reads on art, theory and cultural history.

Other must-tries

Tomato and walnut salad

A lesson in simple, seasonal eating. Wedges of tomato, chunks of cucumber, thinly sliced red onion, coriander or parsley leaves, and perhaps some fresh dill are drizzled with a crushed walnut and garlic dressing. Do consider yourself warned: if you eat this salad in Georgia during the summer months, the tomatoes will be so ripe and flavourful that every tomato you eat from that day forth will taste lacklustre in comparison.

Badrijani nigvzit

A delicious vegetarian snack or starter. It consists of thinly sliced, fried then cooled aubergine smothered with a thick and creamy walnut sauce and folded or rolled. Take note, even though it seems like you should be able to pick these morsels up with your hands, they’re not as durable as they look. A knife and fork is the way to go.

Pkhali

This healthy little dish (a nice antidote to the khachapuri) is usually made with steamed then chopped cabbage, spinach, beetroot or green beans, combined with walnuts, garlic and herbs to make a vegetable pâté or paste. The mix is then often formed into rounds, chilled in the fridge and topped with pomegranate seeds before being served.

Global state-owned investor ranking by size

1.

United States

2.

China

3.

UAE

4.

Japan

5

Norway

6.

Canada

7.

Singapore

8.

Australia

9.

Saudi Arabia

10.

South Korea

THE DETAILS

Solo: A Star Wars Story

Director: Ron Howard

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Key facilities
  • Olympic-size swimming pool with a split bulkhead for multi-use configurations, including water polo and 50m/25m training lanes
  • Premier League-standard football pitch
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  • NBA-spec basketball court with auditorium
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BANGLADESH SQUAD

Mashrafe Mortaza (captain), Tamim Iqbal, Liton Das, Soumya Sarkar, Mushfiqur Rahim (wicketkeeper), Mahmudullah, Shakib Al Hasan (vice captain), Mohammad Mithun, Sabbir Rahaman, Mosaddek Hossain, Mohammad Saifuddin, Mehidy Hasan Miraz, Rubel Hossain, Mustafizur Rahman, Abu Jayed (Reporting by Rohith Nair in Bengaluru Editing by Amlan Chakraborty)

Cricket World Cup League Two

Oman, UAE, Namibia

Al Amerat, Muscat

 

Results

Oman beat UAE by five wickets

UAE beat Namibia by eight runs

 

Fixtures

Wednesday January 8 –Oman v Namibia

Thursday January 9 – Oman v UAE

Saturday January 11 – UAE v Namibia

Sunday January 12 – Oman v Namibia

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Engine: 2.0-litre 4cyl turbo

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Transmission: 8-speed auto

Fuel consumption: 9.1L/100km

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Price: From Dh149,900

Premier Futsal 2017 Finals

Al Wasl Football Club; six teams, five-a-side

Delhi Dragons: Ronaldinho
Bengaluru Royals: Paul Scholes
Mumbai Warriors: Ryan Giggs
Chennai Ginghams: Hernan Crespo
Telugu Tigers: Deco
Kerala Cobras: Michel Salgado

MATCH INFO

World Cup qualifier

Thailand 2 (Dangda 26', Panya 51')

UAE 1 (Mabkhout 45 2')

Results

4pm: Al Bastakiya – Listed (TB) $150,000 (Dirt) 1,900m; Winner: Panadol, Mickael Barzalona (jockey), Salem bin Ghadayer (trainer)

4.35pm: Dubai City Of Gold – Group 2 (TB) $228,000 (Turf) 2,410m; Winner: Walton Street, William Buick, Charlie Appleby

5.10pm: Mahab Al Shimaal – Group 3 (TB) $228,000 (D) 1,200m; Winner: Canvassed, Pat Dobbs, Doug Watson

5.45pm: Burj Nahaar – Group 3 (TB) $228,000 (D) 1,600m; Winner: Midnight Sands, Pat Dobbs, Doug Watson

6.20pm: Jebel Hatta – Group 1 (TB) $260,000 (T) 1,800m; Winner: Lord Glitters, Daniel Tudhope, David O’Meara

6.55pm: Al Maktoum Challenge Round-1 – Group 1 (TB) $390,000 (D) 2,000m; Winner: Salute The Soldier, Adrie de Vries, Fawzi Nass

7.30pm: Nad Al Sheba – Group 3 (TB) $228,000 (T) 1,200m; Winner: Final Song, Frankie Dettori, Saeed bin Suroor

Benefits of first-time home buyers' scheme
  • Priority access to new homes from participating developers
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  • Mortgages with better interest rates, faster approval times and reduced fees
  • DLD registration fee can be paid through banks or credit cards at zero interest rates
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Name: Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants

Sheer grandeur

The Owo building is 14 storeys high, seven of which are below ground, with the 30,000 square feet of amenities located subterranean, including a 16-seat private cinema, seven lounges, a gym, games room, treatment suites and bicycle storage.

A clear distinction between the residences and the Raffles hotel with the amenities operated separately.

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Electric scooters: some rules to remember
  • Riders must be 14-years-old or over
  • Wear a protective helmet
  • Park the electric scooter in designated parking lots (if any)
  • Do not leave electric scooter in locations that obstruct traffic or pedestrians
  • Solo riders only, no passengers allowed
  • Do not drive outside designated lanes
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The specs

Engine: 4.0-litre, twin-turbocharged V8

Transmission: nine-speed automatic

Power: 630bhp

Torque: 900Nm

Price: Dh810,000

Children who witnessed blood bath want to help others

Aged just 11, Khulood Al Najjar’s daughter, Nora, bravely attempted to fight off Philip Spence. Her finger was injured when she put her hand in between the claw hammer and her mother’s head.

As a vital witness, she was forced to relive the ordeal by police who needed to identify the attacker and ensure he was found guilty.

Now aged 16, Nora has decided she wants to dedicate her career to helping other victims of crime.

“It was very horrible for her. She saw her mum, dying, just next to her eyes. But now she just wants to go forward,” said Khulood, speaking about how her eldest daughter was dealing with the trauma of the incident five years ago. “She is saying, 'mama, I want to be a lawyer, I want to help people achieve justice'.”

Khulood’s youngest daughter, Fatima, was seven at the time of the attack and attempted to help paramedics responding to the incident.

“Now she wants to be a maxillofacial doctor,” Khulood said. “She said to me ‘it is because a maxillofacial doctor returned your face, mama’. Now she wants to help people see themselves in the mirror again.”

Khulood’s son, Saeed, was nine in 2014 and slept through the attack. While he did not witness the trauma, this made it more difficult for him to understand what had happened. He has ambitions to become an engineer.

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