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How most wealthy people appear. How wealthy people spend money. How non-millionaires act as though they were very rich but are not. What a fancy car really means. Who make monthly car payments? Who needs to practice financial restraint? Why looks can be so deceiving and appearances are not a way to determine if a person is wealthy. Which is harder to achieve: The first million or the second million? Why living below one's financial means is very important. Why time is your friend. Dr. Ridgway addresses these issues and questions, and more, in You Have 3 Million -- Now What?