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26.05.2016
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Being a millionaire can mean all sorts of things, but in this guide we’re essentially going to look at a realistic path in which you can build up your wealth to a target beyond ?1,000,000.
Let’s briskly walk through the rest of your life, taking a look at the steps you can take to become a millionaire (or even a billionaire!). Most students have to scrimp just to get by, and can expect to leave university with a hefty amount of student debt (see how much). You need to work out a feasible and realistic route to making your millions that draws on your past skills, experience and ambitions. We’ll touch on setting income goals later on, but if you’re serious about this then you need to know how to achieve it not just dream it!
Check out our quick ways to make money guide, or why not start-up a small business if you have something to offer?
You may find that sometimes you do have a few quid to spare, especially when the loans come in.
Get into the habit of putting this into a savings account (easy access is best at this stage) and you’ll be surprised how much interest you can earn on it during your time at uni.
Our advice is don’t worry about the unknown, things always work out and there are lots of things you can do to boost your chances of breaching the high-life. If you’re finding it hard to get on to the career ladder, then pick up a part-time job for the time being whilst you job hunt.
The fast-track method of becoming super wealthy in your twenties is to start a high growth, high return business with a plan to exit within 5 years or so. Having said all this, there may never be a better time to start in business than as a graduate.
One of the reasons why people will never become millionaires is simply because they don’t know how.
Every year, each person in the UK over the age of 16 has an allowance of money they can put in a tax-free savings account, called an ISA. You can open a different ISA every year with a different provider if you want to, so shop around for the best rate. A few years on from graduating, you’ll hopefully have a decent amount of cash coming in on a regular basis. Whilst you’re renting a property, you could see it as throwing cash down the drain every month. Of course there are lots of benefits in renting, but by this point you should be a little more settled both in where you want to live and financially.
You may be quite happy living with your parents for a few years after you graduate (even if they’re not over the moon), and building up your cash reserves, but sooner or later, you should be looking into buying your own place. If you’re in a good financial position, then considering a buy-to let investment is the next step to financial freedom.
Again, you are also likely to benefit from a rise in overall property prices meaning you can bring in big bucks by selling up at the peak of the market and buying at the bottom.
Of course, there is the whole issue of getting a deposit together, and that’s a lot easier said than done. But going back to those budgeting skills you honed as a student, you can put a plan in place to save up the necessary amount. In simple terms, these funds are a collective investment scheme that replicates the movements of one particular financial market (eg. This sort of investment works best when it’s given several years to appreciate and mature, so think of it as a long-term venture rather than a get rich quick scheme. Read our guide on index-tracking investments, and if you really want to learn how to make your millions using this strategy then definitely read Andrew Hallam’s Millionaire Teacher. Retirement might seem like a long way off yet, but sorting out a pension fund before you hit 30 is a very wise move. The benefits of pensions in growing your wealth are on a par with index-tracking investments. As with many of the other tips on this page, the key thing is to grow your knowledge of these major types of investment products available to you. You might be able to get a good pension through your employer, who often match every pound you put in, but don’t forget to look at other providers too. Try to pick a flexible one, that allows you to pay in as much or as little as you can afford, with a low annual fee. When you retire you’ll still require an income to cover not only basic living essentials (like rent and food) but to sustain the lifestyle you have worked so hard to achieve. To get to this level of income without working requires a fairly sizable pension plus a good number of other streams of income being earned every month on your capital assets.
If you want to really live it up post-work, it’s important to set an income goal before you retire that does not require you to work any more.


Gambling – not one to recommend since the majority of gamblers get into bad debt, but nonetheless it can be a quick way to big bucks for some. Whether you’ve got a couple of tenners spare or perhaps a couple of thousand, give some really serious thought to what you should do with it.
But remember, if you want to be a millionaire, you’d much rather stash it away to earn more money than spend it now.
You’re advising students to get in to even more debt on a one in a million shot at successfully running a profitable business.
This article yet again highlights the information failure on student loans and how false information is being recycled. You’re advising people who want to become millionaires to save money in a savings account.
There are few or maybe no savings accounts where you will gain more in interest than what you will lose by the interest charged on your student loan.
Surely better advice to somebody looking to be earning big bucks should be to pay off the student loan ASAP in order to reduce the cost of the student loan and the added interest that comes with it every year.
The first thing to mention would be that this was written pre 2012 fees therefore the interest on those loans is only around 1.5% meaning a savings account would be better off.
We would never recommend paying off your student loan early as you will never be able to borrow money at a similar rate again and you may not end up apying it all back.
The Student Money Website Save the Student provides free, impartial advice to students on how to make their money go further.
Disclaimer: All content on this website is based on individual experience and journalistic research.
We sometimes use affiliated links which may result in a payment following a visitor taking action (such as a purchase or registration) on an external website. As of 2012, you can now contribute a maximum of $17,000 to your 401K, as opposed to $16,500 from last year. Just to illustrate the importance of a 401k one last time, I will note that they have only been around since 1981 yet they are the most widely held retirement account in the United States! Saving and scrimping throughout the year can help you build up a small stash of summer dosh, but not enough to pay for a week away in the sun, right? Our take: Invasion are one of our favourite travel companies because of the value for money.
You do have to cover your own flights but you can pick these up for as little at ?70 return to Ibiza from London (using our cheap flight tricks). Our take: The Takeover team have worked extremely hard to put on 7 weeks of pure partying this summer for a great price.
Plus, there’s a  few hotels and room sizes on offer so you and your mates have the freedom to choose.
You also have to cover your own flights with this package bu you can pick them up for ?120. Our take: The Thomson option is slightly more expensive but they are a well known and trusted company. Flights and accommodation are included in the price of most of their holidays and you can travel to top destinations in Europe such as Greece, Spain and Tunisia.
To make sure you don’t spend over your budget you might want to try these extra tips too.
Avoid School Holidays – more people go on holiday during these times so the companies hike the prices up. Work on Holiday – if you are willing to spend some time working (being a rep etc) then you could cancel out the cost of your holiday. If you have found any great holiday deals this summer then please share them with us so that everyone can take advantage of them! At the Arcadia Group, we are proud to be the UK’s largest privately owned fashion retailer. Our Buying, Merchandising and Distribution roles are Entrance level so we recruit all year round for these and you progress organically as and when you are ready. Our Finance is a structured scheme where you get to work in different finance offices within the Group and we will even sponsor you through your CIMA qualification. We know that graduates are the future of our business which is why last year Arcadia employed 300 across the Group and scooped the 2011 Target Award for the most popular recruiter in retail.
If you like the idea of a fast paced, fast fashion environment Arcadia is interested in speaking to you. Lots of people prove each and every year that you don’t have to be a banker, EuroMillions winner or be born with a silver spoon in your mouth to build up your wealth to seven figures. To actually be a millionaire you will most definitely have to be right on top of your finances and investments! Avoid having a car and think carefully before splashing out on big-ticket items if you don’t really need them. There’s a lot to adjust to, and you might still be worrying about what you actually want to do with your life, nevermind the challenge of becoming a millionaire in the next few years!


Having said that, think carefully about the career you want to embark on: one you will enjoy and can progress quickly in. There are lots of competing options out there fighting for you to invest in, but you need to think smart and do your homework on what is available to you and then what will give you the best return. Historically, property prices follow a strong upward trend so you really are investing in your future. So long as you can get the initial deposit down, and get a good mortgage deal which is less than the rental income, you’re on the fast track to being rather rich. Index-tracking stocks are fairly straightforward though, and more to the point consistently beat the vast majority of managed and hedge funds.
Over the years, you should aim to build up a portfolio of wise investments that will get you set for when you retire. This kind of balanced portfolio will leave you in a position to enjoy your retirement, rather than wondering how you’ll afford it. After a life of saving and building up your wealth, you want it to fall into the right hands when you’re gone.
Making wise investment choices will help your cash to stand the test of time –  AKA inflation, your biggest wealth enemy. You definitely bring up some interesting points although I completely disagree that we are recycling false information. Not everyone can become a millionaire unfortunately… even if they do follow our amazing advice. Not only will you get hit with one large tax bill, but you will have to pay an early withdrawl penalty as well. Wrong!We have scoured the country for the best value student holidays this summer, all for under ?200pp.
A holiday for under ?130 is never something to turn your nose up at and the party atmosphere that the Invasion reps provide is great. They are great for customer service and their reps, similarly to Invasion’s, add that personalised feel to your holiday. The only thing you will miss out on is the clubbing tickets and party atmosphere (which you will have to search out for yourself). We house some of the greatest High Street brands including BHS, Burton, Dorothy Perkins, Evans, Miss Selfridge, Outfit, Topman, Topshop and Wallis. London based opportunities include: Buying, excellent opportunities in Merchandising, Distribution and Finance. So for many budding rich-listers it’s a question of lifestyle and not having to worry about your finances. Before you embark on your millionaire challenge, it’s vital that you have a clear life plan. It’s a good idea to land a part-time job, but it can also pay off to be more creative. So if you have a little bit of spare money lying around, you should absolutely, definitely, 100%, put it in an ISA. Being wiser with your spare money is what makes the difference between your Average Joe and your millionaire. It’s true that not all students that have a go at setting up their business will be a success but you never know without trying. Save the Student and its authors are not liable for how tips are used, nor for content and services on external websites. The user experience shouldn't be any different, and our editorial decision making is not effected by such links.
We constantly strive to make extra money by taking on a second job, or selling off items we own, and we often forget about the easier and more conventional ways to make extra money. A 401K is a great investment and money saving vehicle that can guide you along to retirement. These are all pre-tax contributions, and depending on your employer match they can equate to tens of thousands of dollars invested each year. If that same amount was invested in a normal savings account paying 3%, after tax you’d receive ?135. With the fate of social security up in the air, ita€™s time that we focus on alternative means of preparing for retirement.
There are a few exceptions to the early withdrawl clause, such as medical bills, down payment on a home, or in the event of your own death. Granted you pay tax at the time you withdraw the funds in retirement, but chances are you will be in a lower tax bracket and in the meantime you earn interest on a higher principal amount.
Bottom line is that if your employer matches your contributions in any way, that is the very minimum you should be investing from each pay cyclea€¦otherwise you are truly throwing away free money.



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