There are two ways I know to become well off without earning a lot of money. 1. DRIPs...Dividend Reinvestment Programs...The one I would recommend that I have been into since 1979, XOM Exxon Mobile, current stock price is about $90 per share with a $2.92 dividend. I would recommend putting it in a Roth IRA, pay taxes now, not when you retire. I have been in this stock long enough that it has split 7 times. 2. By fiver upper houses and renovate them while living in them...Tax law says that if the home is your primary residence for two years out of the last 5...that a single person can sell this and not pay taxes on up to $125k capital gains, married couple $250k. And you can do this every two years. My current net worth on paper is over $2 million though my wife and I have never made over $90k a year.