Did you know that the first million is the easiest? Once upon a time, getting your first million by the age of 30 usually meant two things: you either have wealthy parents, or you inherited money from rich relatives. Luckily, today there are many millionaires around you.

Trust me, even your next-door neighbor might be a millionaire, and you just have no idea about it.


They don’t make a big fuss about it because they know that getting that first million is so easy.

Until recently, talking about earning millionaires among your closest people used to be a taboo topic. And saying that it can be done by the age of 30 looked like a real fantasy.

Well, let me tell you – those people were wrong.

Reaching your first million by the age of 30 is very much possible and real. You just have to do know how to it. You love money, right? Otherwise, you wouldn’t be here and read on how to get to the most-effective way to earn your first million.

So, loving money is O.K. It’s even better if you know how to get to those six zeros fast.

So, here are thirteen effective steps that you take today to become a millionaire. Are you 29? No worries, you can still hit this milestone. Read on.


This may sound shocking if you expect overnight success, but the truth is that you will have to work a lot. Increasing your income won’t come overnight, or with your usual job.

No, you will have to hustle and learn how money works. Yes, money can work, and if you plan right, it can work for you.

You just need to know how to direct it in the way that best works for you.

So, the very first step towards the millionaire people club is to have the right amount of capital. Make sure that you have a stable job. Be marketable at any moment.

Being marketable means that your skills are profound and go beyond your current work title and job descriptions. However, this means that you can push yourself to a better position within the company.

Educate yourself constantly. Education means that if you are into the tech industry; for example, you should always read about recent tech news, trends, and updates.

Even if you are not tech-savvy and your job is not tech-oriented, you should still have some technical skills because they always come in handy and might even improve your line of work.

You might be surprised just how much a technical skill can improve your income.

So, even if you are not comfortable, always focus on new skills because it can increase your income tremendously.


People have that wrong belief that millionaires are all about expensive cars, and eating caviar every day. However, the truth is that millionaires are careful about their spending habits.

This doesn’t mean that they won’t drive good cars or eat great food.

No, this means that they will always put quality over quantity.

When you are trying to save money, you shouldn’t go to the most expensive gum, watch Netflix, and dine out every night, do you? If you do, you are not on the good path of saving money.

A similar philosophy applies to millionaires checks. So, rethink your lifestyle, and learn to manage money. Regardless of your current salary, you should learn how to live on the less for the times being. That being said, you must master sales and any clearance rack.

Avoid retail price; it’s not worth it. This applies to grocery shops, the internet, big malls, or gym and club membership.

Furthermore, this applies even to your hairdresser. You spend every month at least $500 for a hairdresser and an additional $200 for unique hair products on a yearly level that’s exactly $8,400.

Cut on the unnecessary expenses until you become a millionaire, at least. Once you cut some expenses, you will see how easy you can live without some things.


Are you saving money for your next oversea adventure? For a new house?

Or maybe, for a new garden tool? This is fine.

However, this is not why millionaires save money. They save money so they can earn more money.

Millionaires save money so that they can invest that money further. Actually, from their point of view, there is no other reason for saving money.

Investment money should never be used for anything else but investing. The only exception is a family emergency.

After all, you can’t stop living while you are saving money and working on your investment plan.

If you have a saving account, it’s excellent, but you need to do more.

Make sure that you plan your investment portfolio. Do proper research. You can start simply: learn how others did it.

You can start from the world’s mogul and investment pioneer, Warren Buffet, and try some of his steps. After all, he offers some great advice on investment.

The best thing that you can do about setting money aside is to automate that process — making money automatic can be easier than it sounds. If you don’t see money, you learn to live without it.


Entrepreneurship is more than just doing the job. It’s a way of life, a particular philosophy. You can learn more about it in the book “The Billion Dollar Secret: 20 Principles of Billionaire Wealth and Success.”

If you read the book you’ll see that there is one mutual link to each billionaire – discipline.

Both millionaires and billionaires are highly disciplined. They have a goal, and they work hard toward it. Along the way, they must show great determination and decisiveness. The trick here is to have your goal in your mind always.

You are hungry for caviar, but you must afford only green salad and carrots? The decision is easy to go for lettuce and carrots. It will keep your stomach full, and you will eat an ample amount of healthy nutrients.

So, stay focused all the time, and if you have to slip, don’t move too often and pick from where you left off.


Being a millionaire is all about the timing and showing at the right place at the right time. Meeting the right people at the right time, and so on.

It’s also important to show up and not show off. You don’t need luxury watches or luxury cars before you earn a couple of millions. Maybe you don’t need them, even then?

The truth is that you need to have a well-built work ethic and to have actions that will inspire others to respect you.

How you do business and treat others is everything in business. People will look differently at you if you respect deadlines and entirely differently if you continuously miss them.

So, make sure that you build a good work ethic.

Again, you can do your research and see how millionaires do their routine every day and how they created their productive days.

However, the most important thing here is to have your routine, specially shaped based on your needs.

Once you have a strong work ethic, you need to think about your mindset when it comes to money.

Change Your Mindset About Money

The world’s most prominent millionaires insist that getting rich is all about the right mindset. You see, it’s not enough to just have a desire to become rich.

It’s essential to have the right mindset when it comes to money as well. You need to believe 100% that you deserve that money that you should be in the millionaires club. Otherwise, you won’t have the things under your control.

At the end of the day, if you don’t believe that you deserve the best, others won’t do it for you. So, repeat yourself that getting rich is in your control.


Debt is a bad friend. Unless you love to stress about debts, then for massive debts. Since you are investigating how to become a millionaire by the age of 30, this is probably not you.

Moreover, the chances are that you have a deep understanding of why life without debt matters. Always have a set budget to know your limits. This will also be an excellent way to limit yourself and unnecessary expenses.

Make a list of your expenses know where your money goes. This will give you a sharp insight into your finances, and eventually enable you to have control of your life.

If you are not sure where to start, you can always use the 50/30/20 method, meaning:

  • 50% of your income can go to your necessities, such as bills and housing
  • 30% can be used for eating out and small pleasures
  • 20% goes to debt and saving

Of course, since you are aiming for the millionaires check, you should know that this method can be used as long as you are using only one source of income.


Some people could spend their entire life working nothing and getting money. Luckily you are definitely not one of those people. Otherwise, you wouldn’t be here reading this, right?

Still, exploring the possibility of passive income can be thrilling and rewarding. After all, if Warren Buffet can do, why couldn’t you as well. That being said, there are many ways to yield passive income.

You may think about why you should bother about passive income if you have a bigger goal on your mind. Well, first of all, you may never know if your side job might actually become your primary job.

Secondly, it can come handy to have monthly expenses paid from your passive income, while you are running toward your first million.

If you have a good reputation for a specific skill, you may think about starting an online course or maybe even creating a drop-ship company. You can always use Amazon for these services.

If you are good with blogging, you may explore the world of affiliate marketing, and bog about ‘millionaire’s road.’ Don’t forget that you can even earn passive income through stocks and similar investments.

You should focus more on the last option if you want to come to that first million faster.


Money doesn’t care about the time. It cares only about results, action steps, and outcomes. Moreover, money doesn’t know about clocks, but your competition does.

Your competitors take breaks, holidays, and they have different fun schedules, that you should have as well. Eventually. However, do you really need that many breaks in the beginning? Because if you rest, your competition may be working 24/7. This can be even worse if you don’t have a good work ethic built already.

If you are finishing your work at 5 p.m. and the customers call or come in, who can bring you an excellent deal, do you leave the office ignoring the request or the ring, or you sit and make the deal? These small moments make it or break it situations.

You don’t have to stress whether you are the smartest person around, or the hard-working, you just need to outwork everyone. As Gary V. would say – August: 31 days to triple down while everyone else is at the pool drinking rose. 


If you are the smartest person in the room, you should leave the room. Trust me; if you are the most intelligent person in the room, you should leave the room. You have probably heard this saying a million times. Trust me, it matters.

Dreaming doing big doesn’t come without sacrifice and the right connections.

That being said, you need to know that you are the average of five people that you spend the most time with.

So, if you are spending the majority of your time with actors, you will develop an interest in acting, or you will know a lot about theater.

Naturally, you will see a lot about performing art as well, and overall about art globally.

On the other hand, if you spend the majority of your time with people who party all night, every day, you will adapt to that lifestyle, and you will be known as the clubber.

If you want to adopt healthy habits, learn for the best, and master the most prominent skills, you need to surround yourself with people who can give you that.

That being said, you should get familiar with amazing Andrew Carnegie, and his famous principle of the Master Mind.

The idea here is to surround yourself with people who think alike, with people who share an understand your vision because that way, you will create the right setting. On top of that, creative minds are more potent than merely one mind.

So, you want to be rich and to be a millionaire? Then, you need to find millionaires and spend time with them.

Expose yourself to people who are successful than you are at this moment and learn from them. Soon enough, you will realize that being a millionaire is not about money; it’s about the creativity and right connections.


You may have the best investment portfolio, and you have the money, and everything planned.

However, how would you react if we told you that your best investment in actually investing in yourself? This is officially one of the best investments.

Ask any millionaire, billionaire, business owner what’s their best investment, and they will tell you this.

Further, they will tell you that the best think about investing in yourself is that you can always get revenue from this investment. It’s rare to find someone to invest in

yourself as much as you can invest in yourself.

Therefore, your knowledge, technical skills, and people skills are your ultimate weapon and wealth. Next, you can use it whenever you want.

All in, this will help you reach that millionaire status. It’s simple – you need to learn all the time.

Invest in new skills, increase your public speaking, master finance management, learn on stock, follow the global program, and economic plan, such as Davos, to see how the company is shifting.

If you feel that you need a method, find one. You have numerous online coaching courses, some even for free.

If you have more money on the side, you can invest in person-to-person mentoring, if it fits your budget. Still, don’t forget that you shouldn’t spend the money that you don’t have.


Let’s be realistic. Having a full-time job will take you up to one milestone, respectively. It can help you put aside some money for you to invest. However, since you are on a millionaires track, you need to think beyond the full-time job and passive income.

You need to diversify your income streams, massively. So, always see how your side hustle can help you reach your goal. You should also think about investing in real estate. That is still well-paid and lucrative. You can earn serious money if you spend in peer-to-peer loans.

Heck, you can even earn money from renting your room on Airbnb. Some of these methods may seem ordinary but don’t think of them as less competent. Make sure that you find a plan that suits you.

Test it and watch the money coming in your direction. Here is another tip that will help you become a millionaire faster.


You can have the best strategy in the world, but if you don’t know how to measure it and how to track it, you have nothing.  Do you have mini-goals, significant milestones that you need to check from time to time? Do you know your value? These are the things to think about.

Therefore, it’s crucial to have smaller steps so you can manage them better.

For example, you can have monthly, quarterly, and annual goals. Break down that million worth goal into smaller chunks and reflect on them.

This way, you will know what you need to do differently for the other purpose and what you need to organize differently to reach the second goal faster and better.

Most Manageable Goals:

  • Negotiate a raise
  • Sell products online
  • Network
  • Freelance
  • Sale on the side
  • Save money
  • Educate yourself

Having a real tool for tracking money can’t harm. This way, you will be more committed to numbers, and you will upgrade your financial skills.

This is also a handy way to see where your money goes, what spending you should cut, and it can help extend your reach.

Also, the key is to know your own value. Why? You need to know that you are worthy and that you are worth money. You just need to learn how to leverage your worth and reach your goal.


Don’t be scared. Millionaires are everyday people. You just don’t get to know that because they don’t drive fancy cars, or own flashy houses.

If you are under 30 and you have this big dream of becoming a millionaire before you runt 30, don’t be scared. You deserve it!

Moreover, you are probably halfway there already. If not, you need to step up, be brave, and try to change your habits so you can save more, invest smart, and build substantial passive income.

While winning the ‘millionaire before 30’ title, you need to master your financial skills and learn how to manage money. If you can’t afford something, don’t buy it just because you think that you should have it.

That fancy commercial that tells you to have a new vacuum cleaner is mandatory, won’t pay your bills. You will have to don’t forget that. That being said, avoid debt, have a clean financial background, and win the world.

Last but not least, here are the top five tips for every day that will help you reach your goal before you are thirty:

  1. Buy used
  2. Pay in cash
  3. Know your finances
  4. Auto-save your money
  5. Max out your retirement

How to become a millionaire by 30

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