My guess is that all of the multi-shop owners here who have been in business more than ten years are all millionaires unless they mismanage their own money. Now it may not all be liquid. Most people don't keep a lot of cash laying around. I have money in IRAs, In HSA, in whole life insurance, equity in the real estate, etc. if you have done that for a few years assets multiply. Money is like rabbits if you leave them alone they multiply. A good book to read is "The Millionaire Next Door".