What separates millionaires from the average person struggling to get ahead financially? It’s not just luck, a high-paying job or an Ivy League degree. It’s the way they think about money and the habits they consistently practice. The good news? These habits aren’t exclusive to the wealthy. Anyone can use them to build wealth over time. After becoming a millionaire at age 28 and spending over 16 years writing about personal finance, I’ve noticed four distinct habits that set self-made millionaires apart. These are the