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The Top 10 Distinctions Between Millionaires and the Middle Class Hardcover – August 28, 2007

ISBN-13: 978-0345500229 ISBN-10: 0345500229

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Product Details

  • Hardcover: 128 pages
  • Publisher: Ballantine Books (August 28, 2007)
  • Language: English
  • ISBN-10: 0345500229
  • ISBN-13: 978-0345500229
  • Product Dimensions: 5 x 0.6 x 7.4 inches
  • Shipping Weight: 8 ounces (View shipping rates and policies)
  • Average Customer Review: 4.5 out of 5 stars  See all reviews (145 customer reviews)
  • Amazon Best Sellers Rank: #34,757 in Books (See Top 100 in Books)

Editorial Reviews


Praise for
The Top 10 Distinctions between Millionaires and the Middle Class

“Everyone can be a millionaire. You just need to know the 10 Distinctions. Learn, use, and study these great distinctions and become a millionaire.”
–Mark Victor Hansen, co-author of The One Minute Millionaire and Chicken Soup for the Soul

“Filled with wisdom and knowledge that leads to freedom and abundance.”
–Nido R. Qubein, author of Stairway to Success

About the Author

Keith Cameron Smith is an entrepreneur and inspirational speaker who teaches his financial success principles to individuals and companies around the country. The author of The Spiritual Millionaire, Smith lives in Ormond Beach, Florida, with his wife and two young children. Visit his website,

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Customer Reviews

This is a very simple book to read.
Reasonable consumer
This book will change your mindset, habits, thinking, perspective and life IF you apply the principles!
To me, that is a sign of a good book - one you'll want to read again and recommend to others.
Sharon Michaels

Most Helpful Customer Reviews

119 of 124 people found the following review helpful By Amazon Customer on September 16, 2007
Format: Hardcover Verified Purchase
Frankly, there's nothing new in this book. But it is a concise description of what it takes to become wealthy. Will reading the book make you a millionaire? Of course not. But it will put you on the right track. It is a quick read. I recommend reading it straight through in one sitting...then reviewing a chapter a day until your actions model millionaire behavior. Dr. Thomas Stanley's Millionaire Next Door and Millionaire Mind provide plenty of evidence to support what Smith talks about in his book. The strength of this particular book is that 10 clear easy-to-understand steps are described so that you don't have to parse through the statistics to find out what works and what doesn't. Instead of slipping cash in a card this holiday season for that high school or college student, give them a copy of this book. Note that this book is not about greed. It is about acquiring wealth and being a good person at the same time. The two are compatible.
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72 of 80 people found the following review helpful By Stoney deGeyter on November 8, 2007
Format: Hardcover
You'll not find a more simplified, boiled down analysis of what separates the rich from, well, everybody else. No, this isn't a book talking about how rich people are a bunch of greedy SOB's. Nor is it talking about some get-rich-quick scheme or how you can make millions of dollars overnight. While the book may be short, it's quite simple in its approach answering the question, why do some people have more money than others?

The top ten distinctions the author walks us through outline the basic idea that how successful you are is largely determined by your thoughts and your actions. Most millionaires have achieved their success because they had the right mindset to become millionaires. They had goals and sacrificed what they had to to get there, but they also kept their frame of mind in the right place, asking the right questions, taking risks, and developing ideas.

Because of its simplicity, Top Ten Distinctions makes it clear that anybody has it within themselves to become a millionaire. Sure, some have more hurdles to cross than others, but these things can all be overcome and financial success-financial freedom-can be achieved by anyone who puts their mind to it. The distinctions between millionaires and middle class are not that millionaires have more money, they were just determined not to live out a middle class existence that often struggles to pay bills, afford vacations, or are living from paycheck to paycheck.

Financial freedom is available to all. Once you know what separates those that have much from those that don't, you can begin to mold yourself to have the mindset that allows you to become free financially. Oh, and just for a quick preview, my favorite distinction was number four: Millionaires believe they must be generous. The middle class believes it can't afford to give. I can't tell you how many times I've thought that I can't afford to donate here or help that person there. I'm off to change my own mindset!
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58 of 65 people found the following review helpful By John Chancellor TOP 500 REVIEWERVINE VOICE on February 18, 2008
Format: Hardcover Verified Purchase
Have you ever wondered why so many self-help books don't seem to help? I think there are basically two reasons. The first if the people simply do not take action on the information in the book. The second reason and perhaps the most disappointing one is that people do not really understand what it takes to be successful. It is simply not enough to learn the things to do and how to do them.

Many self-help teachers give the advice: Pick out someone who is successful and do exactly what they do. While that is good advice, there are some things a person does that we simply cannot see. We cannot see their mindset. And that is where most people go wrong. They concentrate on the tactics and techniques and fail to understand the mindset of successful people.

It is a basic truth that successful people think differently than average people. So it stands to reason, unless we understand how successful people think and learn to think like they do, we are never going to achieve the success we dream of.

I have read many books but never one so succinct when it comes to understanding the mindset of successful people. Keith has identified 10 distinctions between highly successful people and average people. And he has provided a good explanation about why these principles work and the difference they can make in your life.

The book is short and easy to read. However, one reading will not change your mindset. You need to read it often to internalize the ideas and concepts. You need for these concepts to become your mindset. Adopt the 10 distinctions for your own. Understand them and more importantly, live them.
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31 of 34 people found the following review helpful By E. Quinones on August 29, 2007
Format: Hardcover
This book is great. Smith shares a set of ten brief-but-essential thoughts and habits that, when practiced and MASTERED, cause a person to experience financial wealth instead of mere short-term comfort.

He simply and bluntly lays out critical factors that separate those who tend to succeed financially and those whose actions yield mediocre results.

These simple ideas include long-term focus over immediate gratification; generosity over stinginess; talking about ideas that make a difference instead of talking about other people and trivial things.

Notice I said these ideas must be practiced on a consistent basis and MASTERED to yield noticeable results; exposing one's self to them one time and making a cursory mental understanding of them won't do much good. Reading this book once will not make a lazy person rich, and Smith doesn't claim this will happen.

Now, if you've read a book in the past like "Rich Dad Poor Dad" or "Think And Grow Rich" and felt ripped off because it lacked specifics on how to get rich, then you probably won't find much value in this book, either, so I wouldn't recommend it because it would probably feel like a waste of $10-$15, honestly.

If, however, you tend to enjoy books like this on a regular basis anyway, you'll immediately recognize and appreciate the massive value it contains. Not only will you find yourself nodding in agreement at his reinforcement of the fundamentals, but you'll also gain a fresh perspective from those unique contributions that spring from Smith's own mind and life experience.
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