[ithinkinstereo]

Live below your means.

Max out you're tax-advantaged retirement accounts.

If you're young, invest a non-small portion into high-growth, "risk-on" assets, preferably in an industry you know a little bit about and can imagine where the trajectory of growth will lead to.

If you're staying put for the foreseeable future and don't mind limiting your optionality, consider buying a home (basically a 5x leveraged bet).

[ransom1538]

Exactly this. People have have studied 10k different millionaires this is what they found [0]:

* Eight out of ten millionaires invested in their company’s 401(k) plan.

* The top five careers for millionaires include engineer, accountant, teacher, management and attorney.

* 79% of millionaires did not receive any inheritance at all from their parents or other family members.

It isn't hard. However, but poor luck: divorce, drugs, medical can wipe out chances immediately.

[0] https://www.ramseysolutions.com/retirement/the-national-stud...