In fact, most don’t.

Most millionaires became wealthy by living well below their means and investing the difference in appreciating assets or by being successful at running and growing businesses and doing the same.

Either way, the folks the join the financial elite have a keen sense of where to put their money and where not to. I just came across a nice post by John Sholz, a finance-minded entrepreneur on Blogger.

Judging by the about me portion of his blog, he has had a long career in mortgage and finance.

He writes, “The majority of millionaires aren’t living in gaudy mansions or driving Ferraris. They have average-sized homes and drive Ford F150s. [I may have to trade the Oldsmabuick in on a used F150....] They don’t regularly drink champagne or eat caviar. They drink bear and eat hot doges. They don’t wear designer clothes; they wear Levis.”

In part eight of his series dispelling misconceptions about the members of the financial elite, he addresses a concept near and dear to this blogger. How to enjoy luxury items without making the ownership commitment. John tells the story of a millionaire software engineer named Suzanne Garner. For her, he says, “owning a 100,000 automobile doesn’t make financial sense. She drives a Mazda Miata.

Instead of owning, Suzanne fulfills her supercar driving dreams by belonging to an exotic car sharing club.

For less than a $1,000 a month, car enthusiasts who live in Dallas Fort Worth can avail themselves of a garage full of the latest exotic cars: two ferraris (F430 F1 and a 360 Spyder), a lamborghini Gallardo, and a 2009 audi r8!

The depreciation, maintenance and car storage in DFW for even one of these cars is far more than membership in the club.

“Cars are depreciating assets and the faster the car, the faster the depreciation in most cases,” says dfw elite car club.com General Manager Tom Warren. “In a time of belt tightening, it makes sense to find the smart way to drive supercars,” said Warren.

The tend toward borrowing over buying even extends to such items as luxury handbags. We recently posted about a handbag sharing company.

Those interested in finding out more about dfw elite car club can visit, (http://www.DFWEliteCarClub.com). If you live outside of the DFW metro, check out a fine directory of performance car sharing clubs across the U.S. at (http://www.exoticcarclubs.com)

This article was written by SEO web copywriter Eric Anderson. Eric’s recent writing projects include copy for a small business strategic planning company and pages for a Tampa, Florida mortgage broker.