They've got a plan in place.  They are putting money away regulary.  They are minimizing their tax liability.  They are investing in a tax friendly way.  They feel good being able to retire at some point.  They have strategies to pay for kid's schooling.  They've got a plan that's not contingent on picking the best stock.  They know they are controling their money.  The know they are covered if something bad were to happen.  They are using velocity of money.  They are able to treat their money like a business. They have a way to verify where they are at and what they have using financial models. They are maximizing their money potential.  They have protected their family.