Emuva ngo-1996, uThomas J. Stanley noWilliam D. Danko bakhululwa kwincwadi ethi, "I-Millioneire Next Door: Iimfihlakalo ezimangalisa zaseMelika ezibutyebi." Lawa malinoneli angasemva angabonakali isityebi-ngabantu abangaboni inxalenye. Akunabo abantu abathengayo iMartorghinis entsha ye-brand okanye bayigxotha emhlabeni jikelele ngesaziso somzuzu. UStanley noDanko baqhuba uchungechunge lwezifundo ukuze babone indlela abaxhamli bemali abalandelayo abaqokelela ngayo ubutyebi babo. Nangona kukho ezinye iimbali eziphambili zezityebi ezingabonakaliyo kunye nezigidigidi ezizayo, ngezansi zimbalwa zeemfihlo eziqhelekileyo esinokuzibandakanya kuzo kubomi bethu:
Imfihlo # 1: Ayichitheli ngaphaya kweendlela zabo. Isityebi esingabonakaliyo asinweli ngokwezimali. Bazithenga kuphela izinto abanokuzifumana kwaye abazizame ukuhlala kunye namaJones.
Imfihlo # 2: Abazange bayeke ukufunda. Isityebi esingabonakali siyaqonda ukuba utyalo-mali kwimfundo yabo yintle-mali engcono kakhulu enokuyenza.
Emva koko, ulwazi lunamandla-nolwazi oluninzi lunokukhokelela ekuhlawuleleni okukhulu kunendlela. I-hop engabonakaliyo ityebile kuwo wonke amathuba okukwazi ukufunda rhoqo.
Imfihlo # 3: Zijonge ukufumana ithuba lokuphila ngexesha lokukhetha umsebenzi wazo. Isityebi esingabonakali sifuna izakhono eziza kubonelela ngokhuseleko lwemali nozinzo.
Imfihlo # 4: Bayasindisa kwaye batyalole kwangethuba. Isityebi esingabonakali siqonde ukubaluleka kokubeka imali yabo ukusebenza. Kungakhathaliseki ukuba izicwangciso zomhlala-phantsi ezifana ne-401 (k), i-IRAs, i-529 izicwangciso zekholejini okanye nayiphi na enye isicwangciso sokulondoloza, isityebi esingabonakali siqonde umxholo wokuqulunqa kunye nokuba imali ingakhula njani ixesha.
Imfihlo # 5: Inomshuwalense omhle. Isityebi esingabonakaliyo sikholelwa ukuba iindleko ze-inshorensi zifanelekile ukwenzela ukuba zikhusele izinto zabo kunye nabathandekayo babo. Ingaba iyininshurensi yendlu okanye i-inshorensi yobomi, indawo engabonakaliyo isityebi ebaluleke kakhulu ekukhuseleni ngokwabo kunye neentsapho zabo kwiimeko ezingalindelekanga.
Imfihlo # 6: Bayizizilumko ngeefomfalls ezingalindelekanga zemali. Ungalindeli ukuba isityebi esingabonakali siphume sithenge i-yacht entsha kunye nelifa elikhulu elifunyenwe. Nangona isityebi esingabonakali sithintela izigidigidi, ungalindela eli qela labantu ukuba lenze ngokufanelekileyo ngemali yabo efunyenweyo.
Imfihlo # 7: Babamba ezindlwini zabo nasemotweni. Isityebi esingabonakaliyo asiyidingi imodeli yakutshanje kunye neyona mkhulu, kwaye akufuneki ukuba bahlale kwindlu kunye nemali yokubolekwa kwemali eya kufuneka bahlawule ixesha lokuphila. Esikhundleni salo, iityebi ezingabonakali zijonge iimoto ezinokuhlawulwa kwemali-mboleko kunye nemizi exabiso lentengo engayi kubashiya indlu ehluphekileyo.
Imfihlo # 8: Ziyakuphepha ugunyaziso. Isityebi esingabonakaliyo sikholelwa ekuhlawuleleni amatyala abo. Awuvumeli ukuba izilinganisi kwikhadi lekhredithi ziqokelele kwaye zikhetha ukuhlawula iibhilidi njengoko zingena.
Ukuba ufuna ukujoyina iinqanaba "ezizityebi ezingabonakaliyo," ngoku kuya kuba lixesha elihle lokubeka ezininzi zeemfihlo ukuba zisebenze ngokusemandleni akho.