The dream of retiring early used to feel like it belonged to Silicon Valley software engineers, crypto whales or people with $300,000 salaries. But scroll through the r/leanfire subreddit and you'll see a different side of financial independence, retire early movement, one that's powered by electricians, roofers, librarians and people who never cracked six figures. A Growing Movement Of “Normal” People Hitting FIRE “I made around $80K at the highest. My wife made $48K. I retired at 38. She was 35,” one ...

You may be surprised to find out that about 18% of Americans are millionaires, translating to roughly 25 million individuals, according to a report by Wealth Management USA. And while there are plenty of ways to accumulate a seven-digit net worth, some avenues are more common than others. Find Out: 6 Money Moves Wealthy People Always Make Before New Year’s For You: 6 Subtly Genius Moves All Wealthy People Make With Their Money Many millionaires start their own business or invest in real estate to earn the ...

Core Viewpoint - Financial influencer Humphrey Yang emphasizes that consistent investing strategies are more effective than attempting to time the market, which can lead to missed opportunities and lower returns [2][6]. Group 1: Importance of Consistent Investing - Yang highlights that waiting for perfect market conditions can result in missed gains, citing an example where a friend missed a 15% gain by hesitating to invest in the S&P [2][4]. - A comparison of four investors over 20 years shows that even those with "bad timing" still achieved growth, reinforcing the idea that being invested is better than remaining on the sidelines [3][4]. Group 2: Risks of Holding Cash - Yang points out that keeping financial assets in cash leads to significantly lower returns compared to those who invest, indicating that cash is not always the best option [5][6]. - The message is clear: starting to invest, even in less-than-ideal conditions, is preferable to not investing at all, as long-term gains are more likely when one remains invested [6].