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Research study: how millionaires are made

Have you ever wondered how millionaires make their money?

When I ask people here in Europe, they say:

  • Have rich parents
  • Be friends with government ministers
  • Move to a high-income country like America

It makes me sad – many Europeans don’t even believe they can build wealth. 

But the data shows you don’t need a high income to build wealth

A few years ago Dave Ramsey did a massive study that surveyed 10’000 American millionaires.

Here’s some of the key findings:

  • 79% received no inheritance from their parents
  • 80% came from middle or low-income families
  • Most worked regular jobs like engineer, accountant, or teacher
  • 75% said regular, consistent investing was responsible for their success

There is NO reason we can’t do the same here in Europe.

Don’t take my word for it – here are the numbers

Invest €500 a month for 10 years – you have €100K (assuming a 10% annual profit).

Invest €300 a month for 20 years – you have €216K.

Invest €200 a month for 40 years – you have €1.1 million. 

Want to play with the numbers yourself?

Grab my free Financial Freedom Calculator here

Put in your assumptions and see how your wealth can grow.


I help busy Europeans become confident passive investors through a practical, step-by-step training program called The Index Masterclass.

Click here to access my free training for European investors.

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