How to become a millionaire is one of the most popular searches amongst people this day in age. The first thing you want to ask yourself is, “why do i want to become a millionaire?” Is it for the “rich and famous” lifestyle of living in a mansion and driving fancy cars? If you have children, is it to help them get a proper education and be successful? Or do you just want to be wealthy, being financial comfortable for the rest of your life? Finding out the true reason for your millionaire journey makes a big difference motivating you to obtain your goals. Here are the most achievable ways to becoming exactly what you want to be, a millionaire.

Way 1: Inheritance

Being born into wealth is, in fact, the easiest way to becoming a millionaire. It doesn’t happen to everyone but those who are lucky enough to have parents or a deceased family member leaving you in their fortune will definitely get you there.

Way 2: Marry rich

People sometimes say, “Money can’t buy you true love, but it can buy you everything else.” Marrying someone just for their money is plain immoral but if your partner is rich, it’s the icing on the cake.

Way 3: Sue

A Lawsuit is a time-consuming process that involves a lot of energy. It requires money to pay for a lawyer with the possibility of not winning and losing a lot of money. If you’re in a situation where you could possibly sue and make millions of dollars doing it, the choice is yours.

Way 4: Win the lottery

The hardest by far to your million dollar journey is winning the lottery. In my opinion, playing the lottery is a waste of money and time but millions of people still play hoping that one day they’ll be the next big lucky winner. You know what people say, “You never know if you don’t try.” Personally, I’d rather invest that money. Let’s say you spend $2 a lottery ticket a week and since there are 52.14 weeks in a year, we’ll calculate $2 per ticket times 52.14 weeks in a year equaling $104.28. If you invest that money into a mutual fund over 25 years with a compound interest of 6%, that’ll give you $6,064.55.

Way 5: Gamble

I don’t recommend gambling due to the known fact that gambling is addictive. You could lose a lot of money if you don’t manage bankroll properly and can’t control yourself. Besides, how do you think casinos can afford running their business? Plain and simple, the house always wins in the long run. For those who want to make their millions this way, it’s best to play games like poker and blackjack. These games are based both on statistics, skill, and a bit of luck.

Way 6: Education

You have to be motivated and driven to obtain a high paying job through education. This is by far the most realistic and best way to help you achieve your dreams of becoming a millionaire. Choose your profession wisely, there’s nothing better than earning money with something you enjoy doing. Before you know it, the wealth will come.

Way 7: Stocks

The stock market is like gambling in a way and only a slim amount of traders actually make a living out of it. Day trading involves a lot of research and keeping up to date with what’s going on in the world. For long term stock investing, take a look at all the things we use today; Apple, Microsoft, Google, Yahoo, Pepsi, and Walmart. Pay attention to what products do you pay for. Then ask yourself what companies will continue to grow and outlast the rest. These are the stocks you need to invest in. Remember there are always going to be ups and downs in the stock market. Day traders buy low stocks and sell them high. Long term investors can’t be scared when they see their stocks go down because more than likely they’ll go right back up over time. Just keep investing and compound that interest.

Way 8: Pay off debt, save and invest

Stick with affordable mortgage loans and car loans. Pay off your credit cards and debt, their high-interest rates rob you of your hard earned money. Avoid credit cards unless you can pay them off right away. Saving money is hard for some people but it actually pays to save. Compound interest is a secret that not too many people know or care about. It’s essentially earning interest from money and then earning more interest over time.

Way 9: Start a business

If you’re a risk taker and want to work for yourself then becoming an entrepreneur is for you. The problem is that the vast majority of people who start businesses close down or go bankrupt. The first step is to have a good idea that you are passionate about. If you don’t have money saved, get a loan to finance your business. Finally, being passionate and loving what you do enables you to work hard for your business.

Way 10: Find a mentor and surround yourself around the “right” people

Finding a mentor is important as you will look up to him or her to seek advice and help. You have to surround yourself with the “right” people whether you’re a business owner, an artist, or unemployed. Surrounding yourself around people that are outgoing, wealthy, and smart will motivate you to be just like them or even better. You might even come across a great opportunity because you know the “right” people. In some case, it’s not what you know because education will only get you so far in life, it’s who you know and having the right connections.

Way 11: Invent something unique

If you have the idea for the next big thing go for it, it may make you rich and even a millionaire. Once you have your great idea do your homework, make a plan, and set realistic goals.

Way 12: Health

Not too many people think about this as a way to becoming a millionaire but it’s definitely one way. If you smoke, can you imagine how much money you can save if you quit? Let’s say you pay $10 on a pack of cigarettes a day. 365 days a year times $10 equates to $3,650. If you were to place that money in a mutual fund with a 6% average compound interest account, that would equal $212,270.80 in 25 years. If you eat out all the time, calculate all the money that you spend. Furthermore, unhealthy people spend more money o medical bills and have a less life span to work on becoming a millionaire.

Plan on taking a vacation or a trip to a different city? Beware of the top 10 most expensive cities in the world. These cities can easily drain your wallet if you don’t budget your money properly. Amongst our list are cities all over the globe. Our list is based on prices on hotel, food, and transportation but doesn’t factor in airfare costs. Please note the hotel prices listed down below reflects a one week average based on the first week of July from multiple travel site sources. Here are the 10 most expensive cities in the world:

10 – Toronto, Canada

Average Hotel Price:
3 star $133 cad
4 star $234 cad
5 star $383 cad

Toronto is the most populated city in Canada, inhabiting over 2.5 million residents. As the provincial capital of Ontario, Toronto is one of Canada’s most popular travel destinations for tourists. For an average of $200 a night in Toronto, you can stay at decent hotel and explore everything Toronto has to offer. While you’re in Toronto, don’t forget to check out the CN Tower, Canada’s Wonderland’s amusement park, and the Royal Ontario Museum.

9 – Rome, Italy

Average Hotel Price:
3 star $107 cad
4 star $124 cad
5 star $281 cad

Rome, the capital of Italy and one of the most travelled destinations in the world. Along with its impeccable charm and historical landmarks, Rome is a must see. If you’ve ever been to Rome, you’ll know that it’s a good idea staying at a hotel where all the action is, ie. the Spanish Steps, Trevi Fountain or Pantheon. This way, most attractions will be walking distance saving you money on taxi fairs. Also, save money on food by shopping at grocery stores and avoiding tourist area restaurants. Other must attractions you should see is the Vatican Museum, Colosseum, and Roman Forum.

8 – London, England

Average Hotel Price:
3 star $124 cad
4 star $224 cad
5 star $552 cad

With the pound exchange rate almost double the amount of the Canadian dollar, it’s no secret that London will be an expensive city to visit. As the capital city of England and the UK, London resides over 9 million people making it the most populated city in the United Kingdom. London is one of the most traveled destinations because it has so much to show for tourists. You can easily spend up to $350 a day on hotel, food, and transportation costs. If you decide to make an expensive trip to London, you might as well check out the British Museum, Tower of London, and Buckingham Palace.

7 – Tokyo, Japan

Average Hotel Price:
3 star $155 cad
4 star $228 cad
5 star $511 cad

As the most populous metropolitan economy in the world, Tokyo, the capital of Japan is a must see. Tokyo’s modern mix of traditional architecture, alongside the modern living, gives it a futuristic look to the city. Tokyo is known for its bright light nightlife, shopping, and helpful locals. Although stressful when in crowded places, the whole cultural experience makes up for it. There are tons of major attractions in Tokyo such as the Meiji Shrine, Shinjuku Gyoen, their famous Tokyo Skytree, as well as other parks and museums. Depending on where you stay, a decent hotel room could cost you about $300 per night, let alone hefty taxi prices.

6 – Sydney, Australia

Average Hotel Price:
3 star $110 cad
4 star $172 cad
5 star $371 cad

As one of the most multicultural cities in the world, Sydney also is the most populated city in Australia. Millions of tourists visit Sydney each year to see its popular attractions. While you can stay at a decent hotel in Sydney for about $200 per night, you’ll still have to pay for that expensive plane ticket to get there. Whether you’re traveling on a romantic vacation or with the family, don’t miss the Sydney Opera House, Royal Botanic Gardens and Bondi Beach.

5 – Paris, France

Average Hotel Price:
3 star $155 cad
4 star $248 cad
5 star $436 cad

As the capital and the most populated city of France, Paris is also considered to be the capital city of love. The city encourages its residents and tourists to take their time with life and enjoy the moment there in. With streets filled with charm, iconic monuments, and trendy restaurants, it’s a no brainer Paris should be on your places to visit list. Millions of couples travel to Paris to spend time together in the city of romance. Don’t forget to visit the Eiffel Tower, The Louvre, and Notre Dame de Paris. Visiting the city of love comes with a hefty price tag, but it’s well worth it once in your lifetime.

4 – New York City, United States

Average Hotel Price:
3 star $136 cad
4 star $190 cad
5 star $522 cad

New York City is the most populated city in the United States and is one of the most visited tourist spots in the world. NYC consists of 5 boroughs including the Bronx, Manhattan, Queens, Brooklyn, and Staten Island, all of which are worth visiting. When visiting NYC, make sure you take a stroll in Central Park, view the city from the Empire State Building, and see the Statue of Liberty in person.

3 – Stockholm, Sweden

Average Hotel Price:
3 star $145 cad
4 star $215 cad
5 star $383 cad

Stockholm, the capital and most populated city of Sweden. There is known for their popularity in culture, alongside with historical architecture, attractive museums, and art galleries. You’ll barely find a great deal traveling to Stockholm, but grab it if you’re lucky enough to find one. If you plan on visiting this city, make sure you check out the Skansen, the Vasa Museum, and the Gamla Stan.

2 – Zürich, Switzerland

Average Hotel Price:
3 star $233 cad
4 star $281 cad
5 star $591 cad

Zürich, the largest city in Switzerland and is known for its great quality of life. While the city offers fantastic wages for their residents, they don’t accommodate their tourists with their high prices. Nevertheless, there’s plenty to do from skiing on the Swiss Alps in the winter to enjoying great summer actives in by Lake Zürich. They’re also known for their historical churches, museums, and parks.

1 – Oslo, Norway

Average Hotel Price:
3 star $170 cad
4 star $218 cad
5 star $415 cad

Oslo is the capital and most populated city of Norway. Oslo is packed with historical museums, art galleries, music, and events. It’s also the most expensive place to visit in the world. In fact, Oslo’s residents receive extremely high salaries compared to the rest of the world. If you have the money to stay in Oslo, you have to go see the Viking Ship Museum, the Fram Museum, and the Akershus Fortress. Hotels seem to be cheaper in the summertime but airfare is the opposite.

Sometimes it’s a good idea take a pause from our fast paced lifestyle. Entrepreneurs need to take a step back and reflect on what they’re doing and how to do it better.

With startups happening more than ever, not all of them have the knowledge and experience to run their companies. Luckily, there are plenty of books to help teach entrepreneurs what they need to know on running a successful business. What’s even better is reading books by an authors that have “been there and done that” before. From everything to starting your business, to properly executing your idea, these books explain it all. Here are the top 10 books entrepreneurs should read

The Startup Playbook: Secrets of the Fastest-Growing Startups From Their Founding Entrepreneurs

The Startup Play is a must read for any aspiring entrepreneur in their company startup phase. The author, David Kidder does a remarkable job interviewing some of the most successful entrepreneurs in today’s economy. By asking the right questions, Kidder inevitably empowers his readers by giving them real insights from fast growing company founders. The book is structured to make it an easy read, enabling you to jump to specific references when you need to. The Startup Play is an inspiring book, which also offers practicality for any business type you’re in.

Book: The Startup Playbook: Secrets of the Fastest-Growing Startups from Their Founding Entrepreneurs
Author: David Kidder
Publisher: Chronicle Books
Date Published: December 26, 2012

Creativity, Inc.: Overcoming the Unseen Forces That Stand in the Way of True Inspiration

Ed Catmull and Amy Wallace gives us an insightful approach into building a creative business with their book, Creativity, Inc. The book revolves around the co-founder Ed Catmull (alongside with Steve Jobs and John Lasseter) of Pixar Animation Studios and the innovation that led to its success. This book is definitely one of the best in its class, focusing on leadership and company culture. A must read for people who want to become better creative leaders, leaving you inspired with many lessons learned inside Pixar Animation Studios.

Book: Creativity, Inc.: Overcoming the Unseen Forces That Stand in the Way of True Inspiration
Author: Ed Catmull & Amy Wallace
Publisher: Random House Canada (April 8 2014)
Date Published: April 8, 2014

The Hard Thing About Hard Things: Building a Business When There Are No Easy Answers

The Hard Thing About Hard Things: Building a Business When There Are No Easy Answers is written by Ben Horowitz, a well known entrepreneur from the silicon valley. A veteran in his field and a highly successful entrepreneur in the tech industry, Horowitz shares his hard earned insights on what it truly means to build a success company. It’s story telling at its best and a must read for any business. From the pressures of being a CEO, to the constant struggle a company has to face, this book teaches you how to embrace your business.

Book: The Hard Thing About Hard Things: Building a Business When There Are No Easy Answers
Author: Ben Horowitz
Publisher: Harper Business
Date Published: February 21, 2014

The Lean Startup: How Today’s Entrepreneurs Use Continuous Innovation to Create Radically Successful Businesses

The Lean Startup provides valuable information on how entrepreneurs learn and adapt to the continuous evolving nature of technology. Successful tech startups today think outside the box, using continuous innovation explained by the author, Eric Ries. Although it’s titled “The Lean Startup”, the book is a beneficial read for anyone in business because it makes you think like a startup innovating your own company. With plenty of case studies, Reis clearly shows how taking action now and adjusting your business model as you go is the key to a success and profitable company.

Book: The Lean Startup: How Today’s Entrepreneurs Use Continuous Innovation to Create Radically Successful Businesses
Author: Eric Ries
Publisher: Crown Business
Date Published: September 13, 2011

Zero to One: Notes on Startups, or How to Build the Future

PayPal co-founder Peter Thiel & Blake Masters brings us a truly remarkable book about innovation and the future. Zero to One: Notes on Startups, or How to Build the Future is not just another business book, it’s defines how the the world is constantly changing and what entrepreneurs need to do to become successful. Thiel and Masters share their wisdom and explain how and why business succeed or fail. A must read for everyone.

Book: Notes on Startups, or How to Build the Future
Authors: Peter Thiel & Blake Masters
Publisher: Crown Business
Date Published: September 16, 2014

Rework by Jason Fried & David Heinemeier Hansson

Jason Fried & David Heinemeier Hansson deliver an absolute masterpiece with Rework. Whether you run a small business or a large company, the book offers guidance on how to rework and rethink the way you do business. Fried and Hansson reminds us the simple, yet forgotten strategies on how to be productive with things we do. Rework is an inspiring book filled with great ideas. Any entrepreneur would benefit from this read.

Book: Rework
Authors: Jason Fried & David Heinemeier Hansson
Date Published: March 9, 2010

The Innovator’s Dilemma: The Revolutionary Book That Will Change the Way You Do Business

The Innovator’s Dilemma: The Revolutionary Book That Will Change the Way You Do Business is a must read for business owners and entrepreneurs. Clayton Christensen shows how even successful companies can still be taken down by disruptive technologies. The book is a real eye opener with interesting notable theories. Reading this book will make you rethink and change the way you handle your business.

Book: The Innovator’s Dilemma: The Revolutionary Book That Will Change the Way You Do Business
Author: Clayton Christensen
Publisher: Harper Business
Date Published: Revised in September 27, 2011

Running Lean: Iterate from Plan A to a Plan That Works

Ash Maurya delivers an engaging read with his book, Running Lean: Iterate from Plan A to a Plan That Works. Maurya covers everything from lean startups to properly executing your business idea. The book is a great read for entrepreneurs, offering practical advice on running a business. His ideas and concepts of innovation uses “lean startup, customer development, and bootstrapping” structuring his products for growth. If you plan on starting a business, you have to read this book.

Book: Running Lean: Iterate from Plan A to a Plan That Works
Author: Ash Maurya
Publisher: O’Reilly Media
Date Published: March 9, 2012 (2 Edition)

Scrum: The Art of Doing Twice the Work in Half the Time

Jeff Sutherland gives us a persuasive, yet engaging read about the scrum methodology. Scrum: The Art of Doing Twice the Work in Half the Time is a valuable read for any leadership role in a company. Through a lot of storytelling, Sutherland explains what is scrum and how to achieve great success with it. Start your company, evaluate it, and the adapt to the necessary changes. Overall, this compelling book will motivate you and the way you do business.

Book: Scrum: The Art of Doing Twice the Work in Half the Time
Author: Jeff Sutherland
Publisher: Crown Business
Date Published: September 30, 2014

The 7 Habits of Highly Effective People: Powerful Lessons in Personal Change

The 7 Habits of Highly Effective People: Powerful Lessons in Personal Change is a must read for any young professional or entrepreneur. Stephen Covey tells us that highly effective people follow 7 habits: Be proactive, begin with the end in mind, put first things first, think win/win, seek first to understand, then to be understood, synergize, and sharpen the saw. After reading this book, you’ll be left feeling inspired with everything you do whether it’d be in your personal life or your business.

Book: The 7 Habits of Highly Effective People: Powerful Lessons in Personal Change
Author: Stephen Covey
Publisher: Simon & Schuster
Date Published: November 19, 2013 (Anniversary Edition)

The holiday season is a joyous time filled with loved ones and laughter, but let’s face it; it’s also a time when your finances take a major hit and that’s not very jolly.


Each year, holiday expenses are increasing and many people are spending money they don’t have, adding to their already overwhelming debt. Just last year, consumers increased their debt during the holidays by more than $1,000, according to a recent MagnifyMoney study. That’s a 5% percent increase from 2016.


Financial expert, Dave Ramsey, points out “You know Christmas is in December every year, so there’s no reason to act like it suddenly snuck up on you.” You have plenty of time each year to prepare your finances and get ready for the happy season without putting a strain on your finances.


And here’s how to do it:

Plan your holiday spending around your current financial obligations—not the other way around

Your current financial obligations aren’t going to come to a sudden halt because of the holiday season. You’ll still have your regular expenses, such as paying monthly bills, contributing to retirement funds, etc. So, instead of planning your financial obligations around your holiday expenses and putting your financial situation in jeopardy, plan your holiday expenses around your current finances. In other words, take into account all of your current expenses and only put aside the amount of money for holiday spending that you can afford. You don’t want to spend money you don’t have and dip into your budget for other monetary obligations.

Create a holiday budget and stick to it

A great way to ensure you won’t be putting your finances in a bind during the holiday season is by doing an expense audit and creating a specific holiday budget. Make a list of all of your holiday expenses as well as all of your other financial obligations. Then decide how much money you can spare for holiday spending—an amount that won’t damage your personal finances in the process.

Start a side hustle to earn extra cash

For many people, the holidays are so costly because they spend money on the holiday they want rather than the holiday they can afford. Thankfully, if you want a bigger budget for your holiday spending, there are ways you can increase your cash flow so you don’t have to put your financial situation in jeopardy.


One way to do this is by starting a side hustle. Depending on your availability, this can be as time-consuming as you want it to be. You can make your own side hustle by selling homemade crafts, babysitting, tutoring, house cleaning, etc. Or you could take on a temporary second job. During the holidays plenty of seasonal jobs are available that would allow you to pick up a few shifts here and there to earn some extra cash. If you wanted to work enough, you could even set aside your side hustle money to pay for all of your holiday expenses so you didn’t have to use a penny of your regular salary.

Find deals

There’s no shame in using coupons and finding the best deals for the items you want. Who doesn’t like to save money? Most stores usually have a variety of holiday deals to choose from. You can also shop used items that are still in great shape for a discounted price. Also note, certain stores wrack up the prices of their items around the holiday season so it might be a good idea to plan ahead and buy the more expensive gifts (especially technological items) sooner rather than later, in case the price goes up closer to Christmas time.

Consider doing secret Santa gift exchanges

If you’re someone who does gift exchanges with most of your friends and family, it can get expensive. Instead of buying a present for every individual, suggest a secret Santa gift exchange. This way, everyone will still receive a gift and they’ll save money in the process. You can also set a spending limit for these exchanges, so you have an estimate of how much it will cost and you can work this into your holiday budget.

Protect your packages

Every year, more and more people are taking advantage of online shoppers by stealing packages from their porches, earning the nickname “porch pirates.” You don’t want to take your time planning and budgeting your money for the holidays just to have your purchases stolen. If you’re an online shopper, get the tracking number for all purchases and check on the package daily. You can also require a signature when receiving packages so if you’re not home, the package can’t be delivered to your home. This may be more time consuming but it will keep your spent money and your packages safe.

Start saving now

Like Ramsey said, you know when the holiday season is each year so you don’t have to be scrambling mid-December to get your finances in order for your festivities. Take the time to properly plan and to prepare your budget for the additional expenses. It’s never too early to begin saving money.


If you’re someone who really likes to plan ahead, you could set aside a small amount of money each month leading up to the holidays. When the holidays roll around, you’ll have a chunk of money already saved.


Whatever your saving method may be, you still have time to prepare your finances for the holiday season, so don’t be discouraged and start planning instead.



McCall Robison is currently a Content Marketing Strategist for She writes for a variety of sites and personally manages three blogs for her company. Her work has been featured on Forbes, Yahoo Finance, and Business Insider. You can find McCall on Twitter @mccall_robison on the off chance that she’s not too busy hanging out with her cat.