Most are self-made, launch their enviable business empires from almost nothing, writes ANTHONY NGATIA Millionaire! The term conjures a number of images in the minds of most people. Flamboyant, proud, snobbish, lazy people vacationing in glamorous locations. Well, while one or two millionaires may be described in some of these words, the stuff the average millionaire is made of baffles. A peek into their lives reveals a different story: hard work, sacrifice, frugality, sheer devilry risk taking coupled with a steely determination to succeed.