I was thinking about all the friends I have known in my life.

The smartest ones, the ones I consider the sharpest, the most clever, highest IQ, are not the richest.

The richest are the ones that are relentlessly motivated and relationship focused. Every one of my close friends who is a millionaire (I have several), share those two characteristics.

That's the most basic of basic concepts, and one that 2/3rds of the population can't figure out.

Just save 10% of your pre-tax income in a retirement account, then save 10% of your post-tax income for emergencies, and live on the rest.

You'll retire as a King!

And it takes no luck.