<prompt> Human: A great article very similar to The Millionaire Next Door that illustrates that proper personal finance and saving is what makes a lot of single digit millionaires.  <response>: The people I know like this are mostly retired, and what is most important to them is how they spend their time, not their money.First, not working. Its huge, not working for someone else any more. Following on that, figuring out a daily schedule for yourself, when you like to get up, etc. That is also huge.Then, assembling activities which make your life meaningful and pleasurable. You dont buy that in a box or bottle. In fact, many people in that group are de-cluttering their lives, not buying stuff.And, most people realize that experiences are more important than objects. So, they might spend money on travel, but the most important part of the travel experience is spending time with family or friends.Many people are involved with charitable activities, and find them extremely rewarding.So, it might not be the life you are thinking it would be. 