Seven of America’s top 10 billionaires are self-made.

you may fear. Ask yourself: What do people want or need — yet not even realize it? What do you want? What product or service could be better? Think of potential customers and talk to them about your ideas. Get them to brainstorm for you. Get their buy-in.

Still skeptical? OK, entrepreneurship isn’t for everyone. But Clooney has another lesson for you — one he may not even know. His megamillions from Casamigos isn’t Forbes 400 material yet, but he gets there if he invests decently. It’s the magic of compound growth — magic anyone can wield, famous or not. Since 1929, stocks averaged about 10% annually. Suppose they average 6% annually in the future. If George invests a third of a billion from Casamigos now and gets 6% a year investing passively in an S&P 500 index fund, he has $1 billion in 20 years. If he beats the market at 10% a year, he’s there in 12 years.

OK, so you don’t have $330 million to start with. No biggie! Simply maxing out your 401(k) and IRA contributions each year and investing in broad index funds makes you a millionaire quicker than most fathom.

A 25-year-old starting now, saving the maximum tax-deferred amount of $23,500 annually, will have more than $6 million by age 60 if stocks match historical averages. Even late starters can invest their way to retirement riches.