I made $70k / year for the past 7 years (finally got a raise at the start of this year), so ages 23 - 30. My work health insurance covered me, but not my wife,

I made $70k / year for the past 7 years (finally got a raise at the start of this year), so ages 23 - 30. My work health insurance covered me, but not my wife, for most of that. We had our first daughter a week after I turned 27 and twins a week after I turned 29. MY wife worked at a coffee shop until we had our daughter. Making around $20k / year. In that time, we grew our net worth to $250k. That's not a lot by some standards, but it is a hell of a lot more than most people our age have. Even people in similar income brackets as us. All it takes is living below your means.