UAW=under accumulator of wealth, as contrasted with a PAW=prodigious accumulator of wealth.
The authors of TMND figured out a formula that your net worth should be at least equal to your income times your age divided by 10. So at age 30, your net worth should be 3X your income, at 40, 4X, etc. I think PAWs were defined to be well above this rule of thumb, with UAWs well below. They found UAWs and PAWs at every income level (doctors with 0 or negative net worth, and people making $40K a year that had over a million dollars NW).
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