From Broke at 30 to Becoming a Millionaire By 40

We set what at the time was a crazy goal of becoming a millionaire at 40. This is our story.

Early 30s

Our early 30s were all about going all in to pay down our non-mortgage debt. For us, this mainly consisted of student loan debt.

With debt decreasing and income increasing, we went from being buried in debt to having space to start saving and investing.


Late 30s

At the age of 37 (my wife 34), we were completely debt free including our mortgage, had two children under the age of 5, and had moved to a single income.

What’s Next in My 40s?

The focus now goes into developing passive income streams, while still maxing our tax-advantaged

We are also starting to look for a new house. Yes, we will probably end up going back into mortgage debt and will spend time becoming mortgage free again.

Our Journey to Becoming a Millionaire By 40

There are many reasons for turning our financial story around. It’s a mix of hard work and some luck.

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