7 Signs You’re Secretly Getting Rich (and Don’t Even Know It)
From reduced financial stress to smart investing, here’s how to spot the subtle signs that your wealth is growing.

Building wealth can be a long, slow journey, and you might not always feel as if you’re making much progress.
But financial success isn’t necessarily defined by big milestones such as buying multiple homes or having a certain amount of money in a savings account.
A study published by Wealth-X found that around 68% of people with a net worth of $30 million or more are self-made — proof that wealth often comes from steady progress, not sudden windfalls.
From just $107.88 $24.99 for Kiplinger Personal Finance
Be a smarter, better informed investor.

Sign up for Kiplinger’s Free Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Many smaller, less noticeable accomplishments can indicate your progress in building wealth. These seven signs indicate you’re secretly getting rich, even if you’re not aware of it.
1. You're prepared for emergencies
Financial emergencies are stressful, and many Americans can’t cover even smaller sudden financial demands. According to Empower research, nearly 37% of Americans can’t cover an emergency expense of more than $400.
Americans have a median emergency savings of $600, and 21% of Americans don’t have any emergency savings.
Building an emergency fund is a key first step toward financial security. It allows you to handle unexpected expenses without added stress or scrambling for extra cash. Financial experts recommend saving three to six months’ worth of living expenses to help weather such events as a job loss or major repairs with greater peace of mind.
2. You have financial awareness
Staying informed about your finances can help build wealth. Financial literacy, or being able to understand and manage finances, can help you make more well-informed financial decisions.
For example, if you understand how to budget, save and invest, you can take steps to manage your money and plan for long-term financial goals.
Still, navigating complex financial choices isn’t always easy. A professional can help you create a personalized strategy and stay on track as your needs evolve. Use the tool below to connect with a financial professional, powered by Bankrate.
3. You live below your means
Spending less than you earn can help set you up for long-term financial success. As your income grows, it’s tempting to upgrade your lifestyle and increase spending.
But by keeping expenses in check, you’ll have more of your paycheck available to save and invest — key steps toward building wealth. Small, consistent contributions to a high-yield savings account, retirement plan or brokerage account can compound over time and significantly grow your net worth.
Living below your means takes self-discipline, but it can lead to greater financial freedom. If you’re budgeting carefully and consistently setting money aside each month, you’re already on the right path.
4. You're focused on the long-term
If you’re targeting long-term financial goals rather than short-term gratification, you’re on your way to getting rich. Building wealth takes time, and the ability to patiently save can help you meet long-term objectives.
Others who splurge on luxury items or vacations might seem as if they’re ahead of you financially, but your long-term vision can help build lasting security and wealth.
While it might feel as if you’re missing out now, your future self will thank you for making smart, forward-thinking choices today. Staying committed to your goals — even when no one’s watching — is one of the clearest signs of financial maturity.
5. You're strategically investing
Investments are a key element of getting rich, and leveraging your investments early can help build wealth. When you invest early in life, you can take advantage of compound interest, in which you’re earning interest on interest.
For example, if you invest $1,000 and it earns 5% interest, at the end of the year, you’ll have $1,050. If that investment earns 5% during the second year, then you’ll have $1,102.50. You’ll have earned interest not only on your investment, but also on the $50 in interest that you earned during the first year.
Compound interest can grow significantly, especially when you have money invested for several decades. If you’re regularly investing and your money is earning interest, you’re building wealth.
6. You've created multiple income streams
Diversified income streams can strengthen your financial security and help grow your wealth. For example, you might have a full-time job, but you could also take on freelance work or a side hustle to generate extra income.
Adapting your home as a vacation rental or even buying a rental property can also diversify and increase your income.
Having multiple income streams not only gives you more to save and invest, but also acts as a financial safety net. If you lose your primary job or face an unexpected setback, you’re less reliant on a single paycheck. Diversifying your income can also help you reach financial goals faster and offer more flexibility in managing your time and money.
If you're looking for ways to make your money grow, compare some of today's best savings account offers with the tool below, powered by Bankrate:
7. You value financial security
Valuing financial security over the consumption of material goods is another sign you’re quietly building wealth. It shows you’re thinking long term, prioritizing stability and peace of mind over short-term indulgences.
Maybe you’ve chosen a certified pre-owned car instead of a new one, or opted for a relaxing vacation closer to home rather than an expensive trip to Europe. These decisions might not seem flashy, but they reflect a mindset focused on preserving and growing your money.
When you recognize that financial security is more rewarding than the latest trend or luxury item, you’re laying the foundation for lasting wealth — and gaining the freedom to make choices on your own terms.
The process of building wealth
Did you recognize some of these signs in your own life? Even if only a few apply, you’re already practicing strong personal finance habits, and that’s worth celebrating.
Remember, building wealth is a long-term journey. No matter where you are today, small changes can help position you for greater financial success. Developing smart money habits now can lead to increased security, flexibility and peace of mind in the years ahead.
RELATED CONTENT
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.

Paige Cerulli is a freelance journalist and content writer with more than 15 years of experience. She specializes in personal finance, health, and commerce content. Paige majored in English and music performance at Westfield State University and has received numerous awards for her creative nonfiction. Her work has appeared in The U.S. News & World Report, USA Today, GOBankingRates, Top Ten Reviews, TIME Stamped Shopping and more. In her spare time, Paige enjoys horseback riding, photography and playing the flute. Connect with her on LinkedIn.
-
Five Ways to Cash In On the $6,000 'Senior Bonus' Deduction
Taxpayers aged 65 and older may be able to benefit from a $6,000 'senior bonus' deduction over the next four tax years. Here are five ways to make it pay.
-
Are AI Search Results Ghosting Your LinkedIn Posts? This Could Be Why
Posts generated by AI don't hold enough authority with AI search engines to significantly boost your visibility (yes, that's ironic!). Here's what you can do instead.
-
How to Add Your Favorite News Sources to Google Top Stories
Google now lets you choose which outlets you want to see more often in Top Stories. Here's how to set your preferred sources in just a few clicks.
-
Ford Recalls 115,500 Vehicles for Steering Defect: What Owners Should Know
Ford is recalling more than 115,500 U.S. vehicles over a steering column issue that can lead to loss of control. Learn which models are affected and what to do next.
-
Why Jerry Quit Ben & Jerry's: Five Signs It Might Be Time for You to Do the Same
After 47 years with Ben & Jerry's, co-founder Jerry Greenfield has stepped down. His decision highlights an important truth: Sometimes it's not about waiting for retirement — it's about recognizing the signs that it's time to quit.
-
Falling Interest Rates: What They Mean for Homeowners, Savers and Investors
As interest rates fall, homeowners may celebrate while savers feel the pinch. Here’s what the change could mean for your money.
-
The Real Cost of Streaming Live Sports in 2025
Streaming your favorite team keeps getting more expensive. Here’s the true cost of sports — and how to save.
-
Press Pause on Spending: Reset Your Financial Mindset with a No-Spend Challenge
Use a month-long spending freeze to break habits, reclaim control over your money and lay the groundwork for smarter, lasting financial habits.
-
7 Emotional Habits to Avoid If You Want Financial Success
The same traits that make people emotionally intelligent can also keep your money decisions on track.
-
$425 Million Google Class Action Lawsuit: Do You Qualify for a Payout?
Google was found liable for violating the privacy of 98 million users in a class action lawsuit. Are you one of them?