People that are destined to stay “average” tend to have a spending and saving mindset rather than an earning one – and this makes a huge difference.
To make big money you have to be willing to take big risks – and those that are the most likely to become super wealthy are those that know this and are fearless in the face of taking huge risks that have the potential to help them strike it big. Playing it safe and saving rather than investing just because you're not guaranteed 100% to earn a return on the investment is the kind of mentality that will keep a poor man poor and an average man – well, average. At the same time this does not mean that saving isn’t a huge part of becoming rich because, if you're a mindless consumer that wastes every cent they have on crap they have absolutely no use for, you're never going to get anywhere.
Rich people save their money and invest it so that they can make more money – while poor and average folk either spend their money mindlessly or keep it aside and don’t actually put it to any good use. If you're currently focused on using any income or savings you may have on investments or anything that will help your earn money in the future (including education), than you're probably going to be rich – as long as you keep at it and don’t let the consumerism or “dead savings” bug get you. This doesn’t mean that saving isn’t a very important part of accumulating wealth but the simple fact is that the more you earn – the more you’ll be able to save.
Another important aspect of actually saving is knowing how to effectively manage money – if you’ve gone out and made a conscious effort to increase your financial education – you’ve just earned yourself a spot on the “up and coming millionaires” list!