Although many people will actually earn a million dollars in their lifetimes, few will be able to transmute it into a fortune. Cornered by debt, many Americans are now forced to work harder just to keep afloat. Largely due to mass over-consumption and irresponsible financial management, we have turned what was once a blissful, hopeful, conceivable American dream into a nation of citizens who are “just getting by.” Clearly, if you want to develop wealth, you have to buck the trend and map out your own path to financial health, wealth, and happiness.