Getting ahead quickly is relative. I have 160k invested and a 3 month emergency fund, and I feel like I am behind myself (not getting ahead as quickly).
If you are debt free, you are not falling behind, and not falling behind is the first step to getting ahead.
There are 6 stages to financial independance
1) starting off
2) accumulation
3) growth
4) stability
5) withdraw start (financial independance)
6) draw down
Until a person gets to growth, I think the psychological battle is up hill.
When accumulating, your deposits are worth as much or more than the account values. Maybe deposits are 10% of the account value. The deposits seem like a lot of money.
In growth, the same deposits, or even larger deposits, seem small because the account value is so large, and even a modest 4% return on the account is more than one could ever hope to put into account in a given year.
It takes money to make money. Small deposits now make up a HUGE chunk of your money later (based on time value of compounding). Keep doing little things to get ahead. They will add up sooner or later.
I even work a second job to get further ahead.
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