i wonder how you guys accumulate so much money!

For instance let's say 2 graduates from local uni:

F: grad at age 22, M: grad at age 24
Assuming 10% increment in annual package.
1st year: starting salary $3.5k annual package = 56k (including aws + 3 months bonus)
2nd year: 61.6k
3rd year: 67.8k
4th year: 74.6k
5th year: 82k
6th year: 90.2k
7th year: 99.2k
8th year: 109.1k
9th year: 120k
10th year: 132k

Total earnings = $836.5k per pax in 10 years.

I have not factored in expenses, cpf yet.

Please tell me how you guys did it?

Family well to do in the first place to pay for tertiary studies, give you the capital to start business or invest?