15 Years ago was 1991 - I am not sure how much I had precisely. In October 1989, I had $16,000 in savings, because I had to buy a car at that time and thought, if I had to pay cash for this it would practically wipe me out. It was my wake up call.

So I got a 2nd job to pay the car off faster and paid it off in 9 months and then put that money towards investing. I haven't been as astute as IMA saver, cause I have only grown about 250,000. I did also purchase a home in that time frame with I am estimating a net worth of approximately the same. In all honesty, though, I did inherit approx. 110,000 which went towards the house. The house, though, did slow down my investing considerably.

I really wish I had woken up 5 or 10 years earlier - but shopping for clothes at the mall was my calling then. (never let myself get in any debt though).