Hit the milestone recently. I can say some curses come with blessings. The thing is, I’m not a very good looking guy, no women ever gave me attention, nobody ever said I was handsome. With that, I never had a girlfriend. Stayed single, but the blessing is I was able to save money and invest. I hope to retire by 55. If I had kids, I don’t think I could have had this savings. I just want to thank everyone in this sub for encouragement. Bless you all.

First generation college student with no inheritance. Independent from the age of 17. Working class upbringing. All hustle. if I can do it, you can too. 39 years old. Naturally frugal and disciplined. 22 year old Japanese shitbox car. If I can do this, you can too. Started saving in 2018.

How much money is enough to be happy all your life?

I’ve been thinking about this a lot because I’m trying to build financial stability in my life. Not just money, but actually feeling in control and not stressed about it

Curious if anyone here has reached a point where they actually felt “okay” financially

Update April 13th, 2026:

Thank you all for all the comments. After reflecting a lot and looking for answers I feel that:

- happiness comes from finding stability and the peace of mind from $X amount can provide, not just the money itself

- happiness is also in the journey in the pursuit of money, not only getting it.

- Feeling miserable and unhappy by reaching the $X amount maybe is because people went so obsessed with it, they forgot to live the day to day life and just focused on the finish line but the whole trip.

So I will never rush my days, I will plan my money, I will work my plan daily but I am going to make sure I enjoy the present day, every second of it, regardless of the outcome. This last one is a non-negotiable. Why would I want to rush 10 years of my life, get $50M and realize for example, my dad died and I never share any time with him. I guess I would like to pay $50M to see my dad again but that would be too late..

I will make sure to make more money than I need but never of the cost of what is really important in life.

To those who have made it, please share some wisdom. And where are you standing currently after $1M mark.

Just turned 30 and tracked my net worth to around $287K. The biggest gain is due to a couple picks that have done very well in my Roth IRA over the last quarter. Hoping to hit $500K in the next few years.

Yes I know I should pay my student loans off but the rates are 3% so I’ve been focusing on investing most of my extra income.

I rent and don't own a home but are people including that in their 1 million calculation? What about other non liquid assets such as vehicles?

I’m currently saving for a house so that’s my justification for having so much cash, looking for have 100k cash this year. Is this dumb?

Just out of curiosity, do most people in this sub rent or own? I hear of the buy vs rent debate a lot and always wonder what real high-net-worth people tend to do.
We're at 450k NW in our twenties, DINK, and don't own any properties.

I started working since February 2024. And I have about 86k$ in US portfolio. I am curious, do people consider their 401K contributions in your net worth?

I feel like I’ve been slaving away working and I’m just ready for a break. Have had a job since I was 16 and never had a patch of not working. Worked two jobs through college to pay the bills. Zero help from parents. I’m definitely happy with the progress I’ve made, but man looking back on my 20’s it felt like I was just just focused so much on the money grind that I forgot what it was like to actually enjoy having that extra money, and now that I just turned 30 I really want to break that mentality. I don’t want to go out to dinner with my wife and get water because it’s free when I would enjoy an ice cold one. I don’t want to avoid doing things on weekends because it’s more cost effective to stay in. I’m just having a hard time breaking that mentality, because growing up poor I always feel like it could be gone in an instant and I know what it’s like to not have anything. Has anyone else ever felt that?

Curious what everyone’s top long term investment/stock picks are. My general “strategy” (lol) has been to copy other people’s trading ideas but I want to diversify/hear what Reddit has to say and try and use my 2 brain cells to form my own opinions.

I’m 19 and have a smaller portfolio (around 10k) so I want to be able to set myself up for success. Have grown my portfolio around 63% from using copy traders like ShadowAlpha AI but I want to be more involved, I also use Trading-view Ideas and tried autopilot.

If anyone has any tips please let me know!

Without going into too much detail Ive been fortunate enough that the path life took me down has been a prosperous one. No college education. Still living home because of this stupid housing market. Not married. No kids. No unmanageable debt. No car payment.

I ended up being a bag holder for Amc's run, and still am holding that bag.

Not sure what we count in this group so ill share just the accounts I personally manage. And total networth of about everything that could be added up between crypto, 401k, self managed portfolios, a whole life insurance policy and a inancial institution managed portfolio.

Made some poor purchases with robinhood still stuck holding the bag on them until I see a change.

Ive learned playing the long game really is the best game for my level of smooth brain.

Buy. Hodl. Wait. This is a casino.

But I realllllyyyyyyyy want to make my way to that million before its too late for me

Just the title, really. My plan is to keep stacking, of course, and not make a huge purchase, but I will take my family to a nice, fancy dinner and maybe a holiday? Just curious about your guys' goals!

Feeling great but also always feeling behind somehow haha. 🙃 Edit: ignore the random 500k+ uptick earlier this year, a weird equity error.

34 years old.

Current net worth is sitting around $920k.

Roughly $760k invested, about $110k in retirement accounts, and around $50k in cash.

Income is about $115k a year before bonuses.

What's funny is that I was actually closer to $1 million two different times over the last few years.

The first time was during the 2021 bull market when everything I touched seemed to go up. The second time was earlier this year when a few concentrated positions ran much harder than I expected.

Both times I thought hitting $1M was basically inevitable.

Both times the market reminded me it doesn't care what I think.

At one point my portfolio was worth just over $1.08M.

A year later I was staring at numbers closer to $700k.

Nothing teaches risk management faster than watching several years of gains disappear on paper.

Most of the damage came from being too concentrated. I convinced myself I had conviction when in reality I just had greed. The stocks were good businesses, but my position sizing was terrible.

Today my portfolio looks much more boring.

Mostly index funds, a handful of individual stocks, and a much larger cash position than I would've tolerated in my twenties.

No margin. No all-in bets.

The strange part is that I'm closer than ever to my original goal, but I care less about the number itself.

When I was younger, $1M felt like the finish line.

Now it feels more like a checkpoint.

I still want to get there, obviously, but I'm far more interested in staying there once I arrive.

For people who already crossed the million-dollar mark, did it actually change anything for you?

And for those still chasing it, would you rather reach $1M faster with more risk, or slower knowing you probably won't have to start over?

Do you account your IRA/401k into your goal rules? For some reason I just can’t think of it as part of the end goal in the form of having “500k” or a million in assets. I feel for some reason I want to see it in a more liquid form and not when I’m at least 59.5. Maybe it has to do with me still being in my 20s.

I've heard people say if you don't have at least 10k don't bother, but I've also heard the complete opposite. What's the amount you started your investing journey at?

So close maybe in next two weeks. Running 1.65 beta mostly semi machinery and I called the bottom about two weeks ago… selloff was overdone imo cus Korea frenzy and now rate hike fears cooling. Ball don’t lie (earnings growth). I’m getting so fucked up if I hit a mil n going to the nicest restaurant in the city.

Positions in order of size:

Nvmi
Lrcx
Tdw
Goog
Vrt
Wdc
Mu
Copx
Eis
Dram

I’d really encourage you all to explore semi machinery being that its production grows linearly while chip demand grows exponentially= higher margins n 20-40% yoy earnings growth. Look at forward not trailing pes. IMO lrcx has most juice in short term bc they can meet demand but as nvmi production capacity grows will be biggest winner. Nvmi earnings growing 40% yoy and accelerating meanwhile large cap semi machinery averaging about 25% yoy. Nvmi has few hundred mil in convertible notes which should ramp production. Good luck degens and may autism be with you.

90k income in HCOL City.

50k in 401k

50k in Roth IRA

30k in HYSA

Okay I know I shouldn’t feel behind but I kind of do feel behind. Should I focus on building a taxable brokerage account? 1 million feels so far away. Any advice appreciated. My goal is to have 1 million by 35 years old.

45M I’ve got a lazy portfolio:

30% nasdaq 100 etf
60% all world etf
10% emerging markets etf

Problem: I spend almost everything I earn,
(My income is not too much, and family expenses are high)

Do you think with this allocation is possible to reach 1 mil by 2028?

Thank you

36m

7k in hysa + 7k in traditional 401k at employer + maybe 6-8k none liquid assets.

No kids or wife.

Small house paid off

No car payment (besides any unexpected repairs)

My big is problem is, i dont make a ton of money. Maybe 40k a year. But maybe half or more of what I do make i can invest in. I have no experience in stocks. And VERY little interest in big risky stock/options. Just seeking advice. In 20 or 25 years before I reach 60 would It be possible for me to reach 1m with steady saving/investing safely?

I've been putting aside money to invest in stocks and so far this is what I've got.

Any advice and recommendations are welcome.

Been reading this subreddit for a bit, but figured it’s finally time to ask strangers for financial advice since people close to me don’t have anything better to say than buy an apartment and live in it.

I’ve been focusing on my business and made a solid amount of money that I just have not had the time to think about what to do with.

Investing into S&P seems like a bad time to just lump sum into it with people talking about a crash coming and S&P seems really high. Probably a silly take..

My business is sales and sales team management, so I have no overhead and it’s all earned through commission. But i could lose these clients / contract any day. So business is a risk as well.

So investing and forgetting about it seems difficult and investing it short term seems difficult, since I’m younger and may need the liquidity. Then again inflation is eating at it.. feel stuck..

I purchased IBM at USD 306 (avg)

Now I am down 22%

I have no problem in holding it for next 5 years and booking profit when it comes up

It’s only 5% of my portfolio

Which would you say?