"Also, with 75K, sounds like you would have ample amount to invest."

Depends on location and if you have a family. $75k for a single person in an average area will provide a fair amount to invest. $75k for a family of four in most suburbs is going to be tight. In either case, the value available to invest is substantially less that high net worth individuals and will limit many investment opportunities (private equity, accredited investor status, and likely not making enough to take advantage of mega backdoor Roth).