How do ppl accumulate so much net worth? So many posts of net worth in around 3 - 5m mark but with income of less than 250k. I am in my mid 30s earning around 400k a year. Savings around 200k a year. Income only reached this level about 4 / 5 years ago. Hence net worth is only around 1m. Feel that I'm stuck in the rat race sometime as I don't have enough to retire yet I can't quit as it took a lot of hardwork and sacrifice to reach where I am despite the fact that I never like my job. Such a chore sometime to wake up in the morning and drag myself to the office.