I made hundreds of thousands of dollars a year in my 20s. I was even at one point in my 30s making $500,000 million a year. And then 2008 comes, wham, ran over by a truck. It had dawned on me that with all my blessings, all my luck and all my talent, I wasn't in a position I should have been. The thing about America is we reward the exceptional more than any nation or all but better is you don't need to be exceptional. Put below your means just a little bit, put it into low cost ETFs. Invest in compound annual growth rate (CAGR) like Warren Buffett does.