The real secret to wealth

is to not increase you lifestyle correspondingly with your wealth

choose between living like a baller vs being financially secure/retiring early

and find a girl willing to live humble

>and find a girl willing to live humble

Lol, good luck with that.The rest I agree.

Or just find a rich wife. Issue solved.

lol imagine trying to explain how the lion's share of your net worth is tied up in a diversified portfolio spread across taxable and tax advantaged accounts to a 25 year old woman in the American Midwest

Or just drop a bomb on a 6-bracket tier gangster then steal their gold.

>not being able to explain something so simple to the brain attached to the body you choose to spend your life with

Yeah you are right OP but even though this shit is obvious as fuck, most people don't seem to get it.

I'm 28, make about 20k a year, no college degree, live well below my means, save about half of what I make. 57k in bank. No debt. 771 credit score. Have a girlfriend who has her own career. I will buy a cheap living situation once I have enough without going into debt with a mortgage. I might get a small mortgage to bridge the gap but the idea of debt freaks me the fuck out.

Life becomes a lot more simple and easier if you learn to be a minimalist and forgo luxuries, learn that having a ton of material stuff isn't going to make you happy in the long run. Having nice things is fine but key is to keep it simple and not get out of hand with buying new things.

I hear about people making more than 50k a year who struggle with finances and I can't help but think these people are retarded, with an income like that how can you have any form of debt? I'll excuse a mortgage or some student loans, but there's no excuse to be making that kind of money and digging the hole bigger and bigger.

20k wouldn't pay for a studio anywhere outside the ghetto or middle of the desert in california.

"So I have most of my money invested into big companies - I own a tiny fraction of the companies, and they pay me a tiny fraction of the profit."

Really even a 2nd grader should be able to understand that.

What do you do that you're only earning 20k a year?

Asking because I literally only need about 15 grand a year to live comfortably. I'm coasting on savings now after college, but I'm gonna have to figure out something for income soon.