Would be interesting to see some actual projections and outlines of people's plans to get there and not just wishful thinking/random guesses I'd like to be there by 35. I have somewhat of a plan involving rental property that would put my net worth at $1m+ by that time, or at least well on the way to it. Concentrating on buying a home to live in first, though. Millionaire/wealth to me = net worth. Liquid wealth is either being wasted doing nothing (not working for you), or being spent. Both of which are good ways to end up poor again.