| I sure was--which reminds me: I still need to return that crystal ball! But seriously, consider that, on 1/22/18, Vanguard CEO, Tim Buckley, said to expect 4 to 4.5% for the next 10 years from the stock market. So I was wrong, but I was in good company. Also, you could have bought BitCoin for less than $10K around that time ... it's fair to say many of us were wrong. But as for your question, I'd say it's a little bit of everything. Having a big income sure helps, but being a disciplined investor with a decent plan helps too, as does keeping an eye on your expenses and living well below your means. |