Why You’re Not Making Millions (And It’s Not the Economy’s Fault)

When we think of wealth, it often feels like an elusive goal—something reserved for the few who’ve cracked the code to financial freedom. But the truth is, there’s a deeper reason why many of us aren’t already making millions, and it’s not just about hard work or intelligence. It’s about how we approach money and the mindset we bring to the table.

Let’s break this down by exploring two books that have helped reframe my own thinking about money: The Lords of Easy Money by Christopher Leonard and The Millionaire Mastermind by Gerry Robert.

The Money Trap: Easy Doesn’t Mean Sustainable

The Lords of Easy Money offers an eye-opening account of how easy credit has influenced the economy, inflating asset prices and driving inequality. Leonard explains the impact of the Federal Reserve's policies, showing how money has flowed disproportionately into the hands of those who already have it. For many of us striving for wealth, this paints a clear picture: we’re playing in a system rigged by “easy money” policies.

This realization should push us to think deeper about the kind of wealth we’re chasing. Are we falling into the trap of focusing on quick wins and speculative gains? In today’s economy, wealth isn’t just about earning more—it’s about building systems that allow you to grow, sustain, and protect it. While it might feel like millionaires are created overnight, the reality is that they are playing a different, long-term game. They understand how to navigate complex financial systems, leveraging both time and strategic investments.

So, one reason you and I aren’t making millions already? We may be too focused on the surface-level game, not seeing how the rules favor those with access to deeper knowledge and long-term strategies. The takeaway here: wealth isn’t always about speed, but about sustainability.

The Millionaire Mindset: Your Mental Blueprint for Wealth

While The Lords of Easy Money reveals how the system works, The Millionaire Mastermind dives into the mindset required to succeed within that system. According to Gerry Robert, the key to building millions lies in understanding and adopting a millionaire's mentality. That means focusing on value creation, networking, and personal growth.

If you’re not making millions, it could be because you’re still trapped in an outdated mindset—thinking wealth results from working harder rather than working smarter. Robert argues that many of us have been conditioned with limiting beliefs about money, like the fear of risk or the idea that wealth is a zero-sum game. This mental programming often keeps us from seizing opportunities that could catapult our earnings.

One of the most powerful takeaways from The Millionaire Mastermind is the importance of shifting your relationship with money. Millionaires think differently about money. They see it as a tool for freedom, not as an end goal. They invest in themselves, their education, and opportunities that multiply their value over time.

Bridging the Gap: Lessons for Breaking the Million Barrier

So why aren’t you and I making millions already? It’s likely because we haven’t fully embraced the systems or the mindset needed for real wealth creation.

Here are three lessons to help bridge that gap:

1. Understand the System, Then Hack It As The Lords of Easy Money illustrates, the financial world operates under a specific set of rules. Wealthy individuals don’t just understand these rules—they use them to their advantage. Instead of chasing fast cash, focus on building systems that generate long-term returns through strategic investments, businesses, or passive income streams.
2. Shifting Your Mindset from Scarcity to Abundance?The Millionaire Mastermind?shows that wealth isn’t about luck or circumstances but mindset. Start seeing money as a resource that can grow through creativity, connection, and value creation. Millionaires aren’t afraid to take calculated risks or step outside their comfort zone because they know that’s where real growth happens.
3. Invest in Yourself?Relentlessly.?Your biggest asset in wealth creation is you. Millionaires consistently invest in their personal development, whether that’s through learning new skills, expanding their networks, or seeking out mentorship. If you’re not already making millions, ask yourself: Are you investing enough in your own growth?

Final Thought: The Millionaire Roadmap

In a world where “easy money” dominates headlines, and the get-rich-quick mentality tempts us at every turn, it’s easy to feel discouraged about why you haven’t hit the million mark yet. But the journey to wealth is more about long-term strategy and mindset than it is about immediate gains.

It’s time to rethink how you approach money—both in terms of navigating the financial system and how you frame it mentally. Remember: real wealth isn’t about chasing the next big thing. It’s about building systems, adopting a millionaire’s mindset, and investing in yourself so that you’re ready to multiply your value when the opportunity arises.

And that’s how you start building your millions.

Disclaimer: The links to the books mentioned in this article, The Lords of Easy Money and The Millionaire Mastermind, are affiliate links. If you choose to add these books to your library using these links, I may earn a small commission at no additional cost. I truly appreciate your support and hope these books provide as much value to you as they have for me.