the 3 things that are needed: diligent savings, well timed investments and job promotion.

just to share my wife and I had $200K at 28 (we saved about $40K a year combined on average till that point), but some well timed property investments in 2003, 2009 and 2010 netted us around $1.7M.

my income from salary and stock dividends also increased from $3K per month to $20K per month over 11 years, which increased our savings.

that's how we grew our net worth from $200K to $3M in 11 years.