The burning question now is, why can't I be like one of them? The answer: because you probably never wanted to be one in the first place.

But since you are reading this article you, must be on the prowl for the means to achieving this goal. If that is so, read on.

Million-dollar accounts are not made overnight. For most of the millionaire population, the element of time and hard work as involved. Oh yes, there are great numbers of them who got lucky at the stock market or with a new company. But even if you ask them, they would tell you that patience and hard work facilitated that great 'luck' they had.

These millionaires have learned a mindset that is different from other people. This secret psychology is the difference between a millionaire and a wannabe millionaire. These secrets are:

1. Live within your means If a person were to earn a million dollars per year, and spend a million dollars per year also, would he be considered a millionaire? Of course, not. He's probably closer to bankruptcy than wealth!

Then does that mean that a million-dollar income does not guarantee riches?

The answer is yes. Unless you learn to live within, or below your means, you will never turn in a profit, and you will never increase your savings. The reason many people cannot become millionaires is because they waste too much.

2. Take reasonable risks To get rich, risk is involved. Those who do not take risks will lead, well, comfortable sheltered lives. But true millionaires know that with great risk comes great windfall. Many great companies were built on risk. Kentucky Fried Chicken was built on the pension check of Col. Harlan Sanders! Talk about risk!

But taking risks does not mean you lay everything on the line whether the investment is sound or not. Always take calculated risks. Make sure the possible consequences are ones you can deal with.

3. Invest wisely Investing wisely involves a great deal of studying. And as the previous paragraph states, a great deal of risk. Great investors know how to make their money work for them. They set realistic goals and are not that much concerned with instant-million transactions.

Some investors prefer invest their money in slow but sure investments. This would be a wise choice. You may even vary your portfolio and have some low-risk and some high-risk investments. This depends on your personal style.

4. Don't underestimate the power of the consumer The Chinese economy is one of the fastest growing economies in the world. Why? Because they recognize the power of the masses. If you could tap into this power, you could find yourself in a better position to gain wealth.

Chinese businessmen believe that small profits are okay. They focus instead on generating a huge amount of business. Even trifling dimes turn to millions when you have that many customers.

Take care of your customers. Don't settle for a one-hit sale. Keep them coming back for more. If you work at an office, take care of your bosses. That has the same effect too.

5. Be smart, creative and aware Don't be plain. Constantly strive to compete with other people and businesses. Be creative, and be aware of the supply and demand in the economy. Remember, the greater the demand, the bigger the opportunity for your business.

A great sense of timing helps here. If you can predict supply and demand, that would be a great help in your quest to be a millionaire.

These secrets will guide you as you seek the million-dollar dream. Don't be afraid to work hard and focus your efforts at this endeavor. The million-dollar dream is within your reach!