Group 1 - The primary reasons for individuals becoming millionaires are investing in retirement and owning a paid-off home, which are crucial for building the first one to five million in net worth [1] - The average 30-year fixed mortgage rate is around 6.25%, with the median sale price for new homes at $413,500 as of August [2] - A significant portion of adults aged 50 and older are concerned about retirement savings, with 61% worried about insufficient funds and 20% having no savings [2] Group 2 - The total American household debt reached $18.39 trillion in Q2 2025, increasing by $185 billion from the previous quarter, indicating a growing financial burden [3] - Reducing overall debt is essential for paying off homes and achieving a seven-figure net worth, highlighting the importance of debt management [4] - Investment opportunities in the housing market are available through platforms like Arrived, which allows for investment in rental properties without the responsibilities of being a landlord [4][5] Group 3 - Arrived provides a low minimum investment option for individuals looking to invest in rental and vacation properties, offering potential for quarterly income [5] - Real Estate Investment Trusts (REITs) are another viable investment avenue, allowing for portfolio diversification and passive income without full property ownership or tenant management [5]