Forget the pressure to hit $500K by 40—most people in their 30s and 40s are actually at $178K. Your twenties and thirties are financially brutal with student loans, homes, childcare, and low pay. Real wealth comes from dual incomes, saving 25-40%, crushing debt, maxing out retirement matches, and keeping costs low. Home equity? That’s where most net worth lives. Success isn’t about hitting a number—it’s about consistent progress: saving, paying down debt, and moving up. You’re not behind. You’re just on your own path.
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