The students are introduced to the case of Charlayne, a woman who becomes, accidentally, a millionaire. CharlayneÍs success, the students learn, was unexpected, but not a miracle. It can be explained by three widely understood rules for building wealth over the long term: saving early, buying and holding, and diversifying. The lesson uses CharlayneÍs decisions to illustrate each of these rules. It also addresses the risks and rewards associated with different forms of saving and investing.