You need to have multiple sources of income and not just survive on one. Your multiple sources of income can include your full time job, part time job, freelancing work, interests from FD, bonds, unit trusts or dividends from shares. Most millionaires have multiple sources of income and never splurge on themselves or live beyond their means. That is why they are able to save little by little to have a net worth of over a million. This includes the properties that they own, tangible and intangible assets that they may own. As for me, I have a few sources of income including blogging where I earn from PPC advertisements.