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By Ruth Sunderland for the Daily Mail. Many of us long to be rich, but assume it will never happen unless we win the lottery one day. But building up a fortune is not magic — rich people do not belong to an elite money-making club that is closed to the rest of us. The truth is that many well-off individuals are simply people who have worked hard, made some sensible decisions and benefited from a smattering of good luck.

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