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I did not follow the formula in the book exactly, but I am still able to accumulate large amounts of wealth. After I got married, I brought a home (one of the largest personal investments one makes) that can be supported by my salary. My wife's take home pay is 100 percent saved, mine is used to pay for all the expenses of a family of four. My assets is 50 percent of what the book requires for my current combined income and age. My savings should accelerate because we just paid our home off in 2003. It can be done if we remember to use common sense, live within our means, plan, and think long term. The book the Millionaire Next Door is required reading for my son. It is a good book and every American should read it to get an accurate assessment of what is a wealthy person. They are not evil greedy bastards that got wealthy by cheating, scheming, lobbying and etc. Most do it the old fashion way, hardwork, planning and frugality. Wealthy people are not disproportionately Jewish or WASP's. One will be surprised who the ethnic groups that produce the disproportionate amounts of millionares.