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Financial Literacy - Financial tuneup
Keith Cameron Smith
The middle class settle for comfort, while millionaires focus on freedom.
Investment tuneup

Spotlight: Keith Cameron Smith

Want to get to the top financially? Take advice from those who are already there.

At a glance

Financial guru Keith Cameron Smith, author of the best-selling "The Spiritual Millionaire" and himself a self-made millionaire at age 33, invested $100,000 and two years of his life to meet face to face with some of the world's wealthiest people to learn what makes them tick.

Overwhelmed by the life lessons they imparted, Smith holed himself up in a North Carolina cabin and, in one week, distilled their wisdom into a 100-page crib note for successful thinking, "The Top 10 Distinctions Between Millionaires and the Middle Class."

Some of the distinctions are common-sensical -- millionaires think long term, the middle class, short term; millionaires take risks, the middle class avoids risk. Others are quite illuminating -- millionaires ask themselves empowering questions, the middle class ask themselves disempowering questions; millionaires learn and grow, the middle class, not so much.

Smith, who became independently wealthy with a string of furniture stores in his hometown of Ormond Beach, Fla., continues to seek opportunities in networking and real estate as he travels the country teaching financial success principles to individuals and companies.

Smith spoke with Bankrate to share his insights into how to think like a millionaire.

You were not born wealthy.

(Laughs) Oh no. I grew up on the lower end of the middle class. My dad never made more than $25,000 a year. He sold auto parts to different garages. He had different routes to a couple of different towns around Florida.

-- Posted: Oct. 22, 2007
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