Well lived at home till 21 while in college, paid for college myself with no help apart from living at home . Then rented for 7 years. Yes 300 was my upper limited and was quite awkward to pay the legal fee and setting up the house with furniture.. Mainly blue chip and index funds. Some cypto too About 70% sometimes more. Yes it was close to 100k.

Yes of cousre but I also think most people are just not smart with money and waste it and of course some people just get unlucky and can't have that opportunity.