How Anyone Can Build a pipeline Of

28K
76K
 
102K 
Average 
Person 
Lawyer’s 
Income 
Doctor’s 
Income 

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25 
The average worker owns a $75,000 home. The 
doctor or lawyer owns a $350,000 home. 
The average worker eats at Pizza Hut once a week.
The doctor or lawyer takes the family skiing in Vail
every year. 
The average worker plays golf at a public course.
The doctor or lawyer belongs to an expensive 
country club… or two. 
You get the picture. 
People envy doctors and lawyers and accountants 
because they get to carry huge buckets. True, the 
physician’s bucket may be 10 times bigger than the 
cook’s. But the physician spends 10 times more, so 
they both end up in the same predicament – living 
paycheck to paycheck! 
Doctor’s
Doctor’s 
Income 
Out-go 
Picture missing 
Buckets Eventually Dry Up 
Thomas J. Stanley and William D. Danko, authors 
of the bestseller The Millionaire Next Door, 
observed that carrying big buckets is not the same 
as creating wealth. The authors came to this 
realization by surveying people who lived in 
upscale neighborhoods, assuming that people who 
drove expensive cars and lived in expensive homes 
were wealthy. 

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26 
OOPS! – wrong assumption! Stanley and Danko 
came to this startling conclusion about wealth 
creation: 
“Most people have it all wrong about 
wealth in America. Wealth is not the 
same as income. If you make a good 
income each year and spend it all, you 
are not getting wealthier. You are just 
living high. Wealth is what you 
accumulate, not what you spend. 
“How do you become wealthy? Here, 
too, most people have it wrong. It is 
seldom luck or inheritance or advanced 
degrees or even intelligence that enables 
people to amass fortunes. Wealth is 
more the result of a lifestyle of hard 
work, perseverance, planning, and, most 
of all, self-discipline.” 
In other words, buckets, no matter how big they are, 
will eventually dry up. Pipelines, on the other hand, 
are self-sustaining. But pipelines require a 
sacrifice. Pipelines don’t build themselves. You 
have to take the time and make the effort to build 
them.