30s - Ten Wilsons

$1,004,000 net worth (age 36)

Consistency - A 36-year-old active-duty O-4 military officer and his 34-year-old federal employee wife, both from lower-middle class backgrounds, reached $1M net worth after nine years of intentional saving. Their net worth is 92nd percentile based upon their ages. Thanks to military benefits (housing, healthcare, childcare), carefully avoiding lifestyle creep, and regular promotions, they maintained a projected 42% saving rate for 2025 while raising two kids. Core investments include TSP, Roth IRAs, brokerage, a touch of crypto, and a $65K bump from good real estate timing. Their journey was disciplined, consistent teamwork, two incomes, and compounding.

$1,120,000 net worth (age 33)

A 33-year-old finally crossed the $1.12M threshold after years of grind, volatile job markets, and several failed side hustles. Their net worth is 96th percentile based upon their age. The journey featured frugal living, stacking promotions, aggressive saving, and cycling through lots of “get rich quick” ideas before fully embracing simple, all-index-fund investing. With no windfalls, no real estate, and no secret hacks just steady progress and habit. He keeps his spending low, tracks every dollar, and credits consistency and relentless focus as the drivers amid the chaos of job switches and market noise.