The right job in a well-paid position and industry is often crucial. Raising your account balance – this goal sometimes seems very far away.

Some tips from people who have gone from average earner to millionaire may help. "You don't get rich by just putting money on the high side," Karrierebibel.de says. "If you don't start until your mid-40s, you're already a good 20 years short of what you could have used," it adds.