I work at a FAANG-type company. My effective tax rate is much closer to 30% than 40%, but I'm married so I get a bit of a break vs. being single since there's

I work at a FAANG-type company. My effective tax rate is much closer to 30% than 40%, but I'm married so I get a bit of a break vs. being single since there's a big gap between my income and my wife's income. Even so, $135k per year post-tax, post-expenses is a fantastic amount of savings. This is much more than I made pre-tax, pre-expenses earlier in my career. Just having access to $135k means you're more or less a millionaire if you invest it and never need to dip into your investments. The S&P 500 has averaged around 10% or so over the last 90+ years. Over 30 years, at a 7% growth rate, you'd have $1 million in savings with no additional contributions, assuming I didn't screw up my math. With such a high income sustained for just a few years, it'd be hard to screw up later in life so long as you avoid the hedonistic treadmill.