How to Build a $1 Million Net Worth From Zero

Most millionaires did not inherit wealth. They built it slowly and deliberately.

Step 1: Know Your Starting Point

Assets minus liabilities equals net worth. Write it down. It may be negative. That is just the starting line.

Step 2: Eliminate Wealth-Destroying Debt

Every dollar of 20% credit card debt paid is a guaranteed 20% return better than any investment.

Step 3: Invest 20-30% of Income

Invest $1,000 per month at 8% for 30 years and you accumulate $1,490,359. The discipline to invest consistently is the only mystery.

Step 4: Increase Your Income

Every raise and side hustle accelerates the timeline. Higher income plus high savings rate is the fastest path.