Hi Michael,

Have expectations that are realistic is one of the biggest keys to staying the course when things don't turn out as you had hoped.

That's why I believe in setting 10-year goals. Not only is this more realistic, but when things go wrong you don't get frieked out and abandon ship.

In the 20-year research study that profiled "The Millionaire Next Door," the authors Stanley and Danko found that it took between 20 and 30 years to accumulate a $1 million dollar net worth.

That's reality! Getting rich is not easy, in spite of what the get-rich hucksters want you to believe.

If you have a good product or service, have a good attitude, save and invest 15 to 20 percent of what you make ... add some good luck now and then ... you have a reasonable shot at becoming a net worth millionaire in 20 years or so.

Nice post, Michael.

Robert Campbell