The typical couple in the millionaire study group had been married for 28 years. Became rich without compromising integrity. In fact, they credit their integrity as significantly contributing to success. When they work, they work hard. They spend a lot of time socializing with friends and family, as well.
Time is spent planning investments and consulting with tax advisors.
Wealth building is an active process. Near the bottom of the list of success factors. They do value courage and the courage to take reasonable financial risks. While they are well educated, most had a B average. They were not at the top of their classes.