Most of my startup options turned out to be worthless. The little that wasn't? It wasn't even worth the pay cut I took for it. You really have to be in the righ

Most of my startup options turned out to be worthless. The little that wasn't? It wasn't even worth the pay cut I took for it. You really have to be in the right place at the right time. I do, however, always live below my means, save, and invest. I have never saved less than 30% of my salary. You have to do this long term, meaning 15 to 20 years+. Many people don't have the temperament to do this.