In my five-year Rich Habits Study, I learned there were 4 different Paths to Wealth. One of those 4 paths was the Saver-Investor Path, aka, the Frugal Millionaire Path. Spending money on things does not create long-term happiness.

Accumulating money does.

Having money gives you peace of mind and a feeling that you are moving in the right direction.

Try one or more of these 4 Frugal Millionaire Cheat Code Strategies to help build wealth and transform your life:

1. For one month save 5% of your net paycheck first, before spending anything.
2. For one month be frugal. Shop around before you spend your money in order to find the lowest price for the highest quality product or service.
3. Suspend any major purchases for one month. You might find that once the emotional element is removed you really don’t want to make that major purchase.
4. For one month track everything you spend.

It takes a minimum of 30 days in order for any habit to gain traction. Once your Frugal Millionaire Cheat Code becomes a habit, it will remain a habit for the rest of your life.

Tom Corley is an accountant, financial planner and author of “Rich Kids: How to Raise Our Children to Be Happy and Successful in Life”, “Effort-Less Wealth”, “Change Your Habits Change Your Life”, “Rich Habits Poor Habits”, “Rich Habits: The Routines Millionaires Use Daily to Build Wealth” and “Rich Habits Wealth Academy.”