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[quote=Anonymous]I'm the pp who is 39, my DH is 40, our net worth is $1.02M.  We've never had super high incomes.  I think we've just been super frugal.  I've resented DH at times, but it helps to look at our net worth - I look at it a lot.  DH's salary is $120K.  My salary was $150K until earlier this year when I quit to be a SAHP.  We do NOT own a home.  Neither of us had help from parents (I've actually given money to one of my parents when they needed it).  We went to inexpensive colleges, received pell grants for at least part of college, and both worked throughout college.  The combination of these things menat that we each graduated college without any debt.  DH was smart enough to get a master's degree at a fancy school with a large enough endowment to give him a stipend, so he didn't pay for grad school.  We started working in our late 20s (10-11 years ago).  While I was paying off my $160K in law school loans we only saved enough to get our max employer match (5% for me, 10% for DH at one time, but now down to 7% I think).  We prioritized paying off my school loans and lived in a tiny crappy apartment to do that.  Before we got married I shared a two bedroom apartment with three other people to keep the rent low and still be close in.  We did pay for nannies for our kids when I was working.  Our last international trip was 4 years ago.  We often drive for vacation (Maine, Boston, NC, FL), or stay with family if we fly to the west coast.  One thing that I think helped, and was completely beyond our control, was that we started our retirement savings in 2008 and 2009, right as the recession started.  Stocks have increased a lot since then.  I was dumb and scared so put everything in bonds for too long.  DH's 401K is $100K larger than mine.  Yes he had a higher employer match, and higher starting salary (almost double mine) but I think a lot of the difference was that he invested in stocks right away.  [/quote]

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