Read books about how the rich see money diferently from the middle-class. If all you are doing is working and saving, you are doing something wrong. If you never borrow money, you are doing something wrong. I won't go into greater detail because you are not likely to believe me, and I am not yet in a position to teach anyone what I've learned. I will only suggest you make google, a public library, and a discount bookstore your new best friends. Also, don't let people who are not rich tell you what to do with your money (which brings me back to me not going into greater detail about what you should be doing). If your banker isn't rolling in it, take his or her advice with a HUGE grain of salt, and keep looking and learning.