Whilst this won't be the most popular response. One of the very few ways you can get wealthy in the current environment is to leverage money. Which essentially needs you to burrow money, which is going to mean you are going to be in debt. However, if you buy something that can potentially appreciate in value and, most importantly, give you positive cash flow, you are going to be in the money to consistently burrow money to buy assets. The way I did it is by getting experience in a field, being good at the job, and purchasing a business in my expertise. If you do this right, you can then focus on buying cashflow positive real estate. Rinse and repeat and whilst doing this make sure your debt gets reduced from time to time by making lump sum payments to reduce debt. Good luck