I want to take a moment to address something and share my story again. In my last post I mentioned becoming a millionaire by 30. @crbmoney commented saying it’s impossible to reach that level without help. So this post is for that question and for any new followers who don’t know my story. In 2016 I got hired by the RCMP at 21 years old before I finished university. I started working when I was barely 22. I had maybe 6k to my name. Instead of staying in Vancouver, I got posted to a small town in Saskatchewan with about 3,000 people. Talk about culture shock. Instead of complaining, I put my head down and worked. Overtime shift after overtime shift. By the end of my first full year after field training in 2017, I made $106k. I was 23 years old making over $100k. Saving around $3700 per month. But instead of spending it, I lived with two roommates in an already cheap small-town house and saved aggressively. I maxed my TFSA every year, maxed my RRSP every year, and spent my spare time listening to finance podcasts and reading books. From 2018–2020 my income with overtime averaged $120k–$135k. I kept a high savings rate and by 24 years old I saved my first $100k. In 2018 I also got married. My wife and I became DINKs (Double income no kids). We paid off her student loans and with double income and zero debt we saved about $8k–$9k per month together. During COVID, when there was nothing to do except work, we saved over 82% of our income. Fast forward to late 2021. I was 27 years old with $284k invested and a $100k down payment ready for our first home. That was also the year our first child was born (and yes, I maxed out his RESP). Then 2022 came and the market entered a bear market. Even so, we kept investing. By 2023 we had $307k invested despite the market downturn because our contributions stayed high. Around this time I transferred to another town in Saskatchewan — population about 6,000 (they call it a city here lol). In 2023 my wife stepped away from full-time teaching and began subbing to be home with our son more. Our income dropped significantly. But with over $300k invested, the bull market started. My income increased to avg 140k/yr with on call hours. I kept investing $3k–$4k per month while still working overtime and on-call hours. By January 2024 we reached $454k invested and welcomed our second baby 👶. By December 2024 we became Millionaires (Age 30) By January 2025 we reached $656k invested, thanks to consistency and the bull market. My wife now barely works, because we love our time with kids and our net worth continues to grow faster than before. In 2026 our investments crossed $840k at the peak. The house we bought for $345k in 2021 is now worth close to $600k based on recent sales in the neighborhood. Oh also mentioning its a 5 bedroom, 2 garage, large back yard house, 3 floors (sask housing prices haha) Current numbers: • $800k+ invested • $600k house value ($172k mortgage remaining) • $29k in RESPs for our kids • $24k in Wealthsimple chequing • $17k emergency fund • $20k set aside for extra mortgage payments • Two paid-off vehicles Total net worth: over $1.5 million at 32 years old. So to answer the original question: No inheritance. No financial help. Just working overtime, living in a small cheap town, saving aggressively, and investing consistently. It wasn’t easy and most people won’t choose to live this way early on. But now my wife doesn’t have to work, I barely work overtime anymore, and our investments are compounding hard. Ive also helped my sister, dad, sister in law and....mother in law start investing. Work hard early. Live below your means. Invest consistently. It pays off. Peace ✌️ Will
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