As a full time trader investor, I spend my time reading a lot about the economy, stock markets, policies, etc. I have been successful in earning $100k pa (trading profits plus dividends) based on a capital of $1m. My returns are high because I trade and the risk is high but I am able to do this consistently because I am a very experienced investor unlike most people who don't know how to invest. My spouse earns $70k pa and our family expenses is $110k pa, so we save $60k pa. We live in a condo worth $2m, paid up. We also own a car, paid up. I enjoy my work and have the flexibility to spend time with my family. Our net worth is about $3m plus. We are both 40.