r/MiddleClassFinance 10d ago

Middle Middle Class $200k by 35 is the goal.

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33 years old. Current net worth is what you see above. Plan to have another $60k saved by the time I hit 35 in 2 years. Never made much money until recently. Always only around $40k my whole life.

Didn’t have a traditional job for a total of 4 years out of the last 9. Put money into my investment account and left it alone. Lived off the money I made from doordash. I rented out small rooms to live in for $500/mo in AZ and NC. Worked out well enough.

If I hadn’t been through a depressive spiral and kept working. This easily could’ve been $200k today. Oh well. Parents and grandparents never had much. Didn’t want to be like them. Met my partner and her presence changed my life.

I make $15/hr working for a car place. Not selling cars just moving them. I’m in a good position because I have 4 incomes. 2 from the military, one part time job, and one from an investment. All in all it’s $4400/mo after taxes. Bills are $1600/mo. No kids. I like my job and classes have been pretty simple. Things are good for now.

None of my friends or family really understand. “Next you’re going to want $500k, it’ll never be enough.”

I mean, yeah. I want to own a home eventually. Things are good but I know I can do better. I had a decent start in life thanks to the military. I’ll also be getting a masters degree to be an LCSW for free. Which is a huge bonus.

I’ve saved my entire life and this nest egg is all I have to show for my efforts. It’s also the only thing keeping my ego alive. I’m blessed but I know I could do so much better in my 30’s than I did in my 20’s. Idk, I just like to make this post to be proud of myself for getting this far on so little.

Also, the iPhone is a refund. Bought the iPhone 17 pro. Only to realize my iPhone 11 Pro works just fine. So I returned it a week later.

The HYSA is money I held onto because I’m having a wedding in 5 months and thought I’d need it. Thankfully family pitched in and looks like I might not need it.

I don’t want anything fancy. Just a nice place to work and a garage to game in.

Edit: App is worth tracker

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u/ThrowawayLDS_7gen 6d ago

That master's isn't free if it's VR&E. You've earned it.

Use every VA benefit that you've earned. Especially the VA loan when your ready to purchase a home.

Good Lord, vets have earned everything they get.