Even if you never earn more than $50,000 a year, you can still retire a millionaire--just choose to live a disciplined yet fulfilling life. Save and invest at least 10 percent of your income, never buy a new car, focus on the long haul and family, work an extra part-time job--these are among the disciplines that can get you to $1 million and more, write business professors Dwight R. Lee and Richard B. McKenzie in Getting Rich in America. In fact, the authors say, there are eight simple rules that will help enrich your life: Think of America as the land of choices; take the power of compound interest seriously; resist temptation; get a good education; get and stay married; take care of yourself; take prudent risks; and strive for balance. "If you do everything on the list, building a fortune as well as a satisfying life is virtually assured. How could you miss?" write the authors. The most important step: Invest as much of your income as early in your career as possible, in a mutual fund that follows a stock index like the S&P 500. Stash away $2,000 a year beginning at the age of 22 in a fund averaging 15 percent and you could retire at 65 with $6 million. The book features some inspiring vignettes of average Americans turned millionaires. And it provides formulas to calculate your own retirement nest egg based on when and how much you save. For investors and anyone looking for ways to save, Getting Rich in America shows that it isn't as hard as it seems. --Dan RingAmassing wealth is as simple as distinguishing between what you need and what you want, intones actor Eric Conger, reading the work of economics professors Dwight R. Lee and Richard B. McKenzie. Do you need the new car, or will a used car get you to work and the grocery store just as well? Your eyes may glaze over in certain sections, as Conger reads long if-you-do-this-you'll-save-that lists, but the points made are important. Every dollar you save and invest now is potentially worth $10 or $20 or $100 at retirement. The advice here is remarkably specific, right down to the savings you'll amass from grilling your own steaks in your backyard rather than eating out in a restaurant (about $50 per dinner). Even better, the simplicity of the professors' ideas makes listening to this audiobook tremendously motivational. You'll want to start putting their ideas into practice today, brown-bagging your lunch and leaving your credit cards at home. (Running time: 3 hours, 2 cassettes) --Lou SchulerBill Gates. Michael Jordan. Warren Buffett. Every day we hear about the rich getting richer, we buy their products, watch them on television; and wish we could afford their stock. Think of America as the Land of ChoicesTake the Power of Compound Interest SeriouslyResist Temptation Get a Good EducationGet Marriedand Stay Married Take Care of YourselfTake Prudent RisksStrive for Balance

But why become rich if not to enjoy it? Unlike other books, Getting Rich in America does not promote amassing wealth for wealth's sake. You can have that gourmet coffee, take a much-needed vacation, even indulge in filet mignon. With its emphasis on achieving balance, Getting Rich in America is filled with exercises and easy-to-execute calculations that reveal how the "little things" really do add up over time to big savings, or to no savings at all; sound advice for creating a fulfilling life; and practical tips for saving and making your money work harderso you don't have to.

Get rich in America! The choice is yours.

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