Ma hope o ka makahiki 1996, ua weheʻo Thomas J. Stanley lāuaʻo William D. Danko i ka puke,ʻo "The Millionaire Next Door:ʻO ka mea hōʻehaʻeha o nā waiwai waiwai o America."ʻO kēia mau miliona miliona e pili ana me he mea lāʻaʻole iʻikeʻia. ka hapa. ʻAʻole lākou ka poʻe e kūʻai aku ana i ka Lamborghinis hōʻailona hou a iʻole e lele ana ma waho o ka honua i ka leka hoʻomaopopo. Ua alakaʻiʻo Stanley lāuaʻo Danko i nā papahana no kaʻikeʻana i keʻano o ka loaʻaʻana o ko lākou waiwai i nā miliona miliona ma hope o ka hale. ʻOiai he nui nā kīnā nui o ka waiwai waiwaiʻole a me nā milionaaires ma hope o kaʻaoʻao, aia i lalo kekahi mau mea hūnā maʻamau loa e hiki iā mākou ke hoʻohui i loko o ko mākou mau ola pono'ī:
Mākua # 1:ʻAʻole lākou e hoʻolimalima ma mua o ko lākou waiwai. ʻAʻole hiki i ka waiwai waiwai keʻikeʻole i ke kālā. Kūʻai wale lākou i ka mea hiki iā lākou ke hoʻolimalima aʻaʻole hoʻi e ho'āʻo e hoʻomau i Joneses.
Kākau # 2:ʻAʻole lākou e ho'ōki i ka aʻo. Keʻike nei ka mea iʻikeʻoleʻia,ʻo ka hoʻokomoʻana i kā lākou hoʻonaʻauao pono'ī,ʻo ia kaʻoihana kūpono loa e hiki ai iā lākou ke hana.
Ma hope o nā mea a pau,ʻike kaʻike-aʻo kaʻike nui aʻe hiki ke alakaʻi i kahi uku nui ma ke alanui. Ke hopena waiwai paʻaʻole i nā manawa āpau e hiki ai ke aʻo mau.
Māhele # 3: Ke nānā nei lākou i ke ola e loaʻa ai ka mea pono ke koho i kā lākouʻoihana. ʻO ka mea waiwai iʻikeʻoleʻia eʻimi i nāʻoihana e hoʻolako i ka palekana kālā a me ka palekana.
Nānā # 4: Hoʻopakele lākou a hoʻomoho kālā i ke kakahiaka. Keʻike nei ka mea iʻikeʻoleʻia i ka waiwai o ka hoʻokomoʻana i kā lākou kālā. Inā ma o nā hoʻolālā hoʻomaha e like me 401 (k) s, IRA, 529 mau manaʻo no ke kulanui a iʻole kekahiʻano waiwai mālama waiwai,ʻike ka meaʻikeʻoleʻia ka manaʻo o ka hoʻohui a me ke kālā e ulu ai ma mua o ka manawa.
Kākau # 5: Loaʻa iā lākou kahi'olikua maikaʻi. Ke manaʻo nei ka mea waiwai iʻikeʻoleʻia ka waiwai o ke inikua e waiwai ai i ka waiwai a me nā mea aloha. Inā he hale hoʻolimalima hale a heʻinikua ola paha, he mea nui loa kahi waiwai iʻikeʻoleʻia no ka paleʻana iā lākou iho a me ko lākouʻohana mai nā hananaʻole.
Nānā # 6: He poʻe naʻauao lākou me nā makani hoʻolimalima kālā i manaʻoʻoleʻia. Mai manaʻoʻoe i ka waiwai waiwaiʻole e hele aku a kūʻai aku i kahi moku kūʻai hou me ka hoʻoilina nui i loaʻa wale. ʻOiai keʻikeʻoleʻia ka waiwai iʻikeʻoleʻia he miliona miliona, hiki iāʻoe ke manaʻo i kēia hui e hana pono i kā lākou kālā hou.
Mākua # 7: Hoʻopili lākou i ko lākou mau hale a me nā kaʻa. ʻAʻole pono ka waiwai waiwaiʻikeʻole i keʻano kaʻa kaʻa hou loa aʻoi loa,ʻaʻole pono lākou e noho i loko o kahi hale me ka moraki e uku lākou no ke ola. Ma kahi no ka nānā aku i ka waiwai waiwai iʻikeʻoleʻia i nā kaʻa me nā uku ukali a me nā hale i ukuʻia ma kahi heluʻole e waihoʻole ai i ka hale.
Nānā # 8: Keʻaleʻa lākou i ka hōʻai'ē. ʻO ka mea waiwai iʻikeʻoleʻia e uku i kā lākou aie. ʻAʻole lākou eʻae i nā pale kau ma kā lākou kāleka kālepa e hōʻiliʻili a makemake e uku i nā bila i ko lākou komoʻana i loko.
Inā makemakeʻoe e hui pū me nā "waiwai waiwaiʻole", he manawa nui kēia e hana ai i kēia mau mea huna e like me kou hiki.