You've Already Made a Million Dollars (Here's Where It All Went)

You've already made a million dollars. Probably two. Maybe even five. And yet, you have almost nothing to show for it. From age 20 to 45, even earning just $40,000 per year means you've made $1 million. But between $250,000 to $600,000 of discretionary income gets wasted on random spending, interest, and impulse purchases. Here's the math that will shock you and the wealth-building formula that changes everything.