As a Certified Financial Planner (CFP) with 35 years of investment experience, I’ve worked with clients across all income and asset levels. One of the most important lessons I’ve learned is that wealth is not defined solely by income, inheritance or luck — it is driven by how people think about money before they ever deploy it. High-net-worth households distinguish themselves through a fundamentally different financial mindset, one that shapes every decision they make. Below are five ways that mindset tr ...