A popular game show in the United States asked, "Who Wants to be a Millionaire?" Its initial ratings suggested, and continue to suggest, that the final answer is, "A lot of people!"

According to Success Magazine, every 60 minutes, someone in North America becomes a millionaire. (I have no proof, but that may have slowed down a bit in recent days.) How come one of them isn't you? No, it's not because you aren't educated well enough, and it's not because you're the wrong color, gender or age. It's not because you weren't born into a wealthy family, and it's certainly not because you couldn't get on the game show. 

If you're not rich, it's probably because it never occurs to you to become a millionaire. You don't personally know any or associate with any, and you never actually decide to do it. If you do decide, you procrastinate or you want instant gratification and spend everything you make or borrow. You focus on the short-term rather than the long-term picture, and you don't develop the mental stamina that will keep you going when things get tough. 

Do you want to be a millionaire? The answer to that one may be easy for you, and let's face it, monetary wealth is not everyone's cup of tea. But if your answer is, "yes," are you willing to do what you need to do to get there, and never give up? This is the all-important question, and what separates the wishful dreamers and lottery ticket buyers from the risk-takers, goal-setters and hard-workers who will make their million and then some. One of them could be you.