My point is when you know about what to do with your money it’s an obvious one which has payed off for you. Did you learn about index funds from family, friends or on your own?

As a grad from a similar time I never even heard or knew what a index fund was at that time. I was always good with money never spending what I didn’t have and a small amount of savings but had very little knowledge on finances in general. My parents never taught me, they where not poor but not well off, similar friends never talked about money.

It’s only later in life through curiosity and reading financial posts on the internet am I discovering how to better use my money. If someone would of sat me down in the early 2000s to educate me as a young adult I’d probably be well on my way to a million now. As a young adult fresh out of school/college unless you come from a family that is financially savvy it’s hard to know what to do with money.

This is probably why wealthy families create wealthy families.