For 38-year-old Justin Herald, the journey to wealth began one Sunday morning at a church in Sydney's northwest, when he was involved in a quarrel with a member of the church choir. "You have an attitude problem," she told him.
The accusation sparked something in him, and he borrowed $50 from his brother to have four T-shirts printed with the slogan: "I don't have an attitude problem; you have a perception problem."
"It was the best $50 I ever spent," laughs Herald. By the end of the morning, he had sold three of the four T-shirts. With the money he made, he had another six printed, then 12, then 24. "That first year the earning were $98,000," he says.
His business, Attitude Inc., is now a multi-million-dollar company with a wide range of products selling in 3,500 stores across Australia. His business was due to not just clever marketing - the public loved the slogan - but also he has to admit that in those days there was very little competition in his sector of the clothing industry, and he was in the right place at the right time.
The media spotlight also helped, with people paying attention to Herald's likeable personality and infections passion for his business: the night of one TV appearance, 187 stores rang to get his products into their stores.
Herald sold the business three years ago, by which time it was turning over $30 million a year, and now spends his time as a motivational speaker. His message: anyone can be financially successful if they set their mind to it. "You have to have a lot of stickability, because not everything is going to work the way you plan it."
Still living in Castle Hill with his wife and two children, Herald believes too many successful people become caught up in the trappings of wealth. "I have lived here since I left school at 16," he says. "In this area, you don't forget where you came from."