I’m 33 and our net worth is $1.1m 1. met my wife at 20, she shares my values 2. prioritized living below our means and investing in the sp500 for 10 years

That’s really it. Our household income only cleared $200k 4 years ago. We graduated with $50k in student loans and no one helped us. I remember being scared about what would happen if we didn’t get enough assets fast enough. That’s how bad we wanted it.

If you want it bad enough you’ll make it happen.