You become a millionaire by making an average middle-class salary ($45k ish), marrying someone else who does the same, setting your 401k to 15%, and waiting a f

You become a millionaire by making an average middle-class salary ($45k ish), marrying someone else who does the same, setting your 401k to 15%, and waiting a few decades. That does not make you rich, it is simply the prerequisite for retirement. "Millionaire" at 25 means rich. Millionaire at 50 means it is at least plausible you will retire without wrecking your children's finances to keep you off the street in old age.