95% of people at age 65 are either dead, dead broke, or on a pension etc. How did they achieve this? Probably by doing what most people do, which is to get a good education, work hard, save money, buy lottery tickets and hope for the best.

4% of people are financially independent at age 65. What this means is that they can stop working and continue to live a comfortable lifestyle. They are definitely not rich, it just means that they have enough money to support themselves, usually around $45 000 per annum.

1% of the population at age 65 will become what we call "rich". The Bureau of Statistics defines rich as those individuals with a net worth in excess of $1 million. In the year 2006 it is unlikely that $1 million dollars will make someone hands down rich. In fact many houses cost over $1 million.

Therefore, less than 1 in 100 people at 65 can be classified as truly rich. Living in one of the wealthiest countries in the world you may ask how this is so? The answer is simple, having a great job and buying lottery tickets is a sure way to end up in the 95% of the population doing exactly the same thing as you "dead/broke".

The solution is also simple. You must do something, anything, like that of the wealthiest 1% of people. There are not really any secrets here either as you probably already know some of the ways these people have created wealth; business/s, shares, options, inheritance, commodities and property.

Property though is the true standout. More people have become rich from property than by any other method. In fact, 95% of millionaires have used property to create serious wealth. Most future millionaires start out with very little and build a large, quality property portfolio over time.

But just buying a couple of houses and hoping for the best might not work either. If we break it down further it is where you buy, the type of property, and what you do with it that really makes the difference. More specifically, the greatest success and profits come from subdivision and property development. Just ask any millionaire developer! Fortunately for the average investor it very possible to begin with small projects such as renovations and two lot subdivisions. Your knowledge and experience will grow over time such that you can take on more complex development if you so wish.

So which financial category do you want to end up in? If you want to be in the 1% I strongly recommend you read more about my ebook, "Real Estate Subdivision and Property Development" at www.storesonline.com/site/711577/page/632469" Of course you can ignore my advice, but if you really want to, I know that you can succeed as I and many others on an average wage have done.