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Rich people treat money differently than the average American — not necessarily because they have fatter bank accounts, but because of their mindset, habits, and access to resources. Let us count the ways:

1. Invest early and consistently. Rich people often start investing at a young age and treat investing like a discipline. The average American may delay investing or only rely on savings, missing out on compound growth.
2. Own assets, not just income. Wealthy people prioritize owning appreciating assets — stocks, real estate, businesses. Many Americans rely primarily on earned income (wages), which doesn’t build long-term wealth.
3. Prioritize financial literacy. The rich actively learn about money, taxes, markets, and economics. Most Americans get little financial education and often avoid complex financial topics. Continue reading…