Here is how Millionaires spend and invest their money.

They have all the means to overspend on things they like or want, but they choose not to.

 They use credit cards that offer rewards for their spending.

 However they make sure to pay their credit card balance every month (in full).

They always keep an emergency fund for emergencies of course.

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They do take loans but are very strategic about it.

However they never take loans to buy stuff but to invest strategically where ever they deem fit.