What does it really take to become a millionaire? In this episode, host Mark Zagurski explores the realities behind wealth accumulation, challenging the myth that millionaires are simply born into money. Drawing from Ramsey Solutions’ National Study of Millionaires and the insights of The Millionaire Next Door, Mark uncovers how financial success is built through intentional habits, smart investments, and disciplined financial planning.

Listeners will learn how Omaha has become known for its high concentration of millionaires, how most self-made millionaires build wealth through 401(k) investments and strategic career choices, and why inheritance plays a far smaller role in millionaire status than many assume. Mark also breaks down the five key principles of accumulating wealth, from setting financial goals to living within your means and investing wisely.

Key Takeaways:

• 79% of millionaires didn’t inherit their wealth—they built it through hard work and financial discipline.

• A million dollars isn’t just for the elite—it may actually be necessary for a secure retirement.

• The “4% rule” can help estimate retirement income, but personalized financial planning is key.

• Saving is different from investing—both are essential, but the order matters.

• Staying the course through market fluctuations is what separates those who reach financial independence from those who don’t.

If you’re serious about building financial security, it’s time to take action. Visit www.makeitpersonalpodcast.com to schedule a no-obligation consultation and start your journey toward financial freedom today.

“The key to building wealth isn’t luck or inheritance—it’s setting a goal, staying disciplined, and making smart financial choices.” - Mark Zagurski

Connect with Mutual of Omaha Advisors through the following links:

Download the Seven Principles eBook

Instagram

Facebook - Mutual of Omaha Advisors

Sign Up For a Free Financial Strategy Meeting

--

Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.