"I am 20. My goal is to amass $1m (Australian) by 35 so I can do some substantial things later in life" Raise your aim higher. Aim for $1.5M by 30 to start wit

"I am 20. My goal is to amass $1m (Australian) by 35 so I can do some substantial things later in life" Raise your aim higher. Aim for $1.5M by 30 to start with. The amount you raise to will call for different things for you to do in life relevant for that aim. If you are %50 successful, its %100 for a lower aim.