“Discipline” - a 35-year-old machinist from Indiana who has never earned more than $75,000 annually, yet built a seven-figure net worth through relentless consistency and discipline. Married for seven years with two young children (ages 3 and 5 months), his wife is a pharmacist who graduated top of her class while working 20 hours a week during pharmacy school. His net worth (93rd percentile for his age) consists of approximately $775,000 in retirement accounts (between his 401k with $550,000 and his wife’s Roth at $153,000), $69,000 in a brokerage account, $40,000 in 529 college savings for his kids, $365,000 in home equity on a $500,000 house with $136,000 remaining mortgage, $30,000 in cryptocurrency, and $20,000 cash. He started working in machining straight out of high school at age 19, making screws for spinal surgery patients with scoliosis. From day one at his current job 14 years ago, he contributed 15% to his 401k after his grandparents taught him to “start putting it away as soon as you can and you will not miss it.”