Want to Be A Millionaire? Think Like One. Here's How

What makes a millioniare? A tireless work ethic? A high IQ? Dumb luck? Good financial karma?

None of the above, says Annelena Lobb, in "You Think Lilke A Million Bucks."

Kathleen Gurney, Ph.D., author of "Your Money Personality" and CEO of Financialpsychology.com. studied the mindset of millionaires, and here's what they found:

1. Optimism.

2. Not critical of their own mistakes, so nothing can throw them for long.

3. They take action. They don't get locked in analysis-paralysis.

4. Instead of focusing on what's wrong or why something didn't work, they fast-forward to the opportunity.

5. Master plan. i.e., Yale class of 1953 -- 3% had written down their financial goals for after college. When they convened in 1973, that 3% controlled more combined net worth than the other 97% combined.

6. They have no guilt about making money; they feel they deserve it.

7. Savvy investors (usually save between 15-20% of their income yearly), they know that the most income comes from the most risk.

8. They do what they love and find a way to make money at it.

9. They surround themselves with people who believe in them and support their goals.

"The general population," says Brian Koslow, author of "365 Ways to Become A Millionaire," "will even be in primary relationships with people who don't believe in them, which is very sad--like having a lead weight attached to your ankle."

10. Self-assurance in their money-making skills and love of doing it.

"The 'Money Masters,'" says Gurney, as she calls them, "said that if they lost all their money for some reason, they wouldn't be very anxious, because they would just do it over again."