There are so many variables very few of us have had it figured out when we start we certainly did not .My wife and I worked hard I had a 4 year degree she did not. We set a goal in 1975 that if we ever hit 100K a year combined would be set , we tripled it , but it took us 25 years . Had no debt at 45 and built from there , very conservative , got screwed by 2 investment guys I trusted so never went back .
Stayed out of the bars , trust me I like beer . Have put 2 kids thru college and made a substantial contribution to our grand kids college . House , cabin, boat and vehicles paid for as we buy . None of this came from inheritance
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