And the winning lottery ticket number is… eight, three, five, two, seven….


7… 7… 7 — jackpot!

Yes, riches can come in an instant. A few lucky individuals hold the winning lottery tickets to capture the mega millions or manage to pull the lever at just the right time to hit the big jackpot. These rare instances excluded, however, riches don’t come by mere chance.

A friend recently recommended a book that brought this realization to light. As with many truths, this one is something I already knew but had never put into words. This book, The Millionaire Fastlane, by M.J. Demarco, did exactly that for me.

Nowadays, it seems as if every few weeks, we come across news coverage of some college kid with a mobile app who made millions or a story about some geeky coder who created a website and then sold his business for billions. It’s easy to think that those people are just lucky for achieving such successes.

We hear about the big IPO or the acquisition by Google, but, all too often, we don’t look at the story behind the story, the process that got the founders to that point. These individuals had no more luck than anyone else. Good fortune came not from an event but from a process. The process creates what outsiders perceive as luck. As Demarco says, “Wealth is a process, not an event.”

In a society where microwaveable meals, specially formulated weight loss pills and first-date hookups are commonplace, it should come as no surprise that we don’t value process as we should. In the same way that good health requires preparing wholesome meals with real food, disciplined exercise and nurturing long-term relationships, creating true wealth also requires a process.

As Demarco outlines it, the process is a recipe for success in business with four constituent parts—your roadmap, your vehicle, your roads, and your speed.

  1. Your roadmap is “your financial belief system and your preconceived convictions about wealth and money.” What you believe about money and how to obtain wealth dictates the decisions you’ll make, and wealth creation will in most cases require a shift in your thinking.
  2. You are the vehicle. Only you can propel yourself toward your destination, as defined by your roadmap. And like a car, you need to be sure you take care of yourself so you don’t end up broken down on the side of the road during the journey.
  3. Your roads are the various “financial pathways” you can travel. You can choose a job, or you can choose entrepreneurship. There are millions of ways to make money.
  4. Your speed is your ability to execute on your roadmap strategy and take it from idea to implementation. It’s pressing the accelerator and moving forward that will get you to where you want to go.

Without exercising all four components of this process in your own life, you will not be able to create true wealth in your life—and I don’t mean just having lots of money. The journey changes you for the better.

Leveraging this process for wealth creation in your own life is the surest way to create your own “luck.” As Demarco puts it, “Luck is the residue of process.”  In his book, he does an excellent job of detailing this formula for wealth creation, which he dubs “The Fastlane Roadmap.” I encourage you to get the book and read it.

Relying on unearned luck to create wealth for you is no better than being addicted to a paycheck and expecting that roadmap to lead to millions. It doesn’t work. Start the process. Get out of the paycheckaholic slow lane and switch into the fast lane. Follow a better roadmap that will get you to where you want to go. Let the process run its course to position yourself to “get lucky.”

So, what are you doing to create your own luck? How are you improving your chances for wealth? Share in the comments below.