It’s not so difficult and unreachable to sigh for a free, no-worries checking account. According to Bankrate's surveys 7.5 percent of accounts are free checking accounts. By free checking account, here, we mean an account with no monthly service charge or per-item fees (for instance, a charge for writing a check) regardless of balance. So, with this type of account you could write as many checks as you want and never pay a penny in per-item fees and you could be able to let the balance drop as low as you want.

The rich are different.

    When Frank Darras, who now oversees one of the nation's largest disability and long-term-care practices, entered his first million-dollar year, he said:  "I never thought I'd make $5 million in two lifetimes", "I just loved the work."

    Obviously getting reach requires stubbornness and clarity of purpose. But what sounds surprising, is that today's very rich say that money itself wasn't much of a motivator.

    Justin Jarvinen says "I'm interested in doing whatever I want, whenever I want" and that what really excites him is his freedom to explore and support new ideas.

    The 930,000 of U.S. "pentamillionaires" are mainly entrepreneurs: risk takers for whom wealth is a byproduct of pursuing their passion. It appears those were not just money who motivated them. Fast car or fancy vacation isn't enough to get you popping out of bed at 5 a.m.

    Yeah, the Old Saying is true: The rich are different. And not only money makes them different. To enter the nation's top 1%, you need more than $5 million. What got them to the highest level?