let me break down for you exactly how to become a millionaire. slowly. simply by being extremely frugal for 3 years. based on averages, not applicable to everyone. solely as a hypothetical thought exercise to encourage financially responsible habits 1. live like a monk for 3 years 3. shove all saved £ into the Nasdaq 4. 30 years later: millionaire let’s say after 3 years you don’t want to live like a monk anymore and want to spend more. so you invest £4k into the nasdaq pa instead of £8k —> £1.7m all tax free within a stocks and shares ISA. if you start doing this at 20, and see it through, by 50 you will be retired and can buy dividend stocks or invest in bonds —> live off the yield forever this isn’t including getting a better job, pay rises/promotions etc, or workplace pension, just from cutting out unnecessary spending to emphasise what I said below, it’s shit that we have to do this, boomers could buy a home / support their family of 8 for thruppence and a bag of tomatoes… this is just a a very basic example of how you CAN build wealth if you are serious about it and build financially responsible habits investing £100, £50, £20 here and there may seem like nothing, but it builds up quick and compound interest takes care of the rest