The key to getting wealthy over a lifetime, even with modest income rests on three basic tenets:
1. Spending less than you earn. 2. Investing your savings in a low-cost index fund. 3. Starting very early. In you early 20s. This site does not have much advice for you on how to spend less and save more, but my twin brother, Mr. Money Mustache does. Check out: www.mrmoneymustache.com/ Please view this entertaining (and highly educational) video: https://vimeo.com/183016901 And finally, here are Mr. Money Mustache's real 2013 and 2014 expenses: www.mrmoneymustache.com/2015/01/16/exposed-the-mmm-familys-2014-spending/ Consistently spending waaaay less than you earn is the most important of the three tenets. It provides us our critical compounding raw material. After that it is just a matter of how long the runway is (how many years) and the speed you're going (rate of compounding). Savings is the most important of the three.
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How long an agency can afford the cost until he does not get back money from the business? Every agency invests the money thinking he will cover soon but unfortunately it does not happen with him. how long one can only spend money one day he himself will lose if he doesn't see any hope it happens often.
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