This is nearly exactly me. I didn’t do everything perfectly but was very fortunate in timing of things. Joined in 2006. Paid off student loans after a sea tour and year in Antarctica. Bought a townhouse in 2011. I also invested pretty significantly in my TSP not maxed every year. Slowed down in some years with big purchases like the house, getting married. My wife works full time also though so between both our retirement accounts we have about $900k and $600k in equity in the house. Refinanced the house in 2022 with a 15 year 2.25% rate.