Farrah Abraham -- I'M A MILLIONAIRE

Farrah Abraham has back-door'd her way into the 7-figure range ... 'cause the former MTV star tells TMZ she's a bona fide millionaire.

The 22-year-old just called in to "TMZ Live" to discuss her crush on Charlie Sheen ... when we asked her straight up if her foray into the world of adult entertainment has turned her into a millionaire.

But Farrah's swollen bank account isn't just from the sex tape -- we broke the story, she scored in the high 6-figures when she sold her sex tape to Vivid Entertainment. But she's also locking down endorsement deals ... and collecting checks for public appearances.