I was skeptical, so I ran some numbers here: https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator https://www.investor.

I was skeptical, so I ran some numbers here: https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator https://www.investor.gov/financial-tools-calculators/calcula... Assuming 150k USD combined income and 20% savings rate: - Initial Investment: $30k (20% of 150k) - Monthly Contribution: $2500 (1/12 of $30k) - Length of Time in Years: 15 years - Estimated Interest Rate: 10% (Avg Stock Market return) - Interest Rate Variance Range: 0 - Compound Frequency: Annually After 15 years you have just over $1M. I'm assuming you were including your wife's income because otherwise it's nowhere near. I think the takeaway here is: get a partner. Without a partner you need to be a high earner.