What makes a millioniare? Being a workaholic? Good money karma? A high IQ?

None of the above, says Annelena Lobb, in her article "You Think Like A Millions Bucks."

Kathleen Gurney, Ph.D., author of "Your Money Personality" and CEO of Financialpsychology.com studied millionaires and found they have the following mindset:

1. Optimism.

2. They aren't critical of their own mistakes, so they can't be shaken.

3. They take action. They don't get locked in analysis-paralysis.

4. Instead of concentrating on what went wrong or how to fix it, they fast-forward to the opportunity hidden in all "problems."

5. They have a master plan, i.e., Yale class of 1953 -- 3% had written down their financial goals for after college. When they convened in 1973, that 3% controlled more combined net worth than the other 97% combined.

6. They think they deserve every cent they make (Bo guilt!)

7. Savvy investors (usually save between 15-20% of their income yearly), they know that more risk generates more income.

8. They find a way to make money at doing something they love to do.

9. They surround themselves with people who believe in them and support their goals.

"The general population," says Brian Koslow, author of 365 Ways to Become A Millionaire, "will even be in primary relationships with people who don't believe in them, which is very sad--like having a lead weight attached to your ankle."

10. They have great self-assurance in their money-making skills and love of doing it.

"The 'Money Masters,'" says Gurney, as she calls them, "said that if they lost all their money for some reason, they wouldn't be very anxious, because they would just do it over again."