If You're Going to Get Rich, Better Do It by Age 35

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Nashville, TN · Member since 2014 · 43 posts · 13 votes
11y

I get it. All the article is saying is to get on your grind while young. All that other stuff is just smoke in mirrors. If I paid attention to statistics I wouldn't have reached many goals throughout my life. If you want something to happen, you have to make it happen. Regardless if you're 25, 35, or 65 you're never too old to get ish done!

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  • Investor · San Diego, CA · Member since 2014 · 592 posts · 765 votes
    11y

    This article is focused entirely on income and earning power.  Income is not wealth.  I know plenty of people with high salaries that can't pay their debt obligations due to over-consumption.

  • Investor, Entrepreneur, Educator · Springfield, MO · Member since 2009 · 21k+ posts · 12k+ votes
    11y

    Didn't go to an MSN thing, but not true in RE, some do, most don't.

    My money didn't really kick in until I was about 40, at 53 I was in semi-retirement, 55 off the tread mill.

    IMO, it would be very difficult to get "rich" in RE at 35 as it will take the cream of the crop 10 to 15 years to get there, that means you are past learning and cranking away at 20 or 25, at that age you can hardly be taken seriously much less obtain the knowledge and experience to be on track.

    The wealthiest RE guy I know of, built a sting of hotels and subdivisions, took him about 25 years to hit the mark of very well off. (Mid 8 figures)  :) 

  • Fresno, CA · Member since 2015 · 70 posts · 18 votes
    11y

    Well shoot, I should just quit now since I'm just beginning and I'm 40!  :)

  • Scottsdale, AZ · Member since 2014 · 659 posts · 536 votes
    11y

    @Timothy Cervantes Don't let @Bill Gulley scare you off.  :)

    I did not start until the age of 37.  By the age of 42 I had over 1M in net-worth. 

    Just come up with a good plan that does not focus on 100 cashflow here and 100 cashflow there.

  • Developer · Garland, TX · Member since 2008 · 8k+ posts · 4k+ votes
    11y

    At 35 I hadn't accomplished too much. My net worth has more than quadrupled since then. I think Joe Kennedy said it wasn't until he retired that he really began to crank it. When you have passive income to cover lifestyle and full time to think, you can be a better capitalist. 

  • Fresno, CA · Member since 2015 · 70 posts · 18 votes
    11y

    Not at all being scared off, I was referring to the headline of the article more than anything else!  

  • Real Estate Investor · Champaign, IL · Member since 2013 · 114 posts · 55 votes
    11y

    I don't normally do this but Bill, I must beg to differ. Can someone know as much as you by 25? NO, Can they be independently wealthy threw REI alone by 35? I will tell you in ten years. But at age 25 they can most certainly be taken seriously and have obtained enough knowledge and experience to be on track. That is, if you consider owning a half a dozen Investment properties and growing to be on the right track.

  • Nashville, TN · Member since 2014 · 43 posts · 13 votes
    11y

    I get it. All the article is saying is to get on your grind while young. All that other stuff is just smoke in mirrors. If I paid attention to statistics I wouldn't have reached many goals throughout my life. If you want something to happen, you have to make it happen. Regardless if you're 25, 35, or 65 you're never too old to get ish done!

  • Investor · Colorado Springs CO · Member since 2014 · 535 posts · 253 votes
    11y

    I agree with@Frank Jiang, this article is about income/earning power, not wealth, so it's kind of... pointless, to me anyway.  I'm an engineer, but my husband and I have been investing in RE for years to provide cash flow so that I can quit working when we have kids.  I don't care about my earning potential as an engineer in 5-10 years from now because I don't plan on doing that full time at that point.

    With that said, we've done very well for ourselves so far, and we're still in our early 30s.  Bought our house and 4 multifamily rentals in the past 7 years and developed quite a bit of equity and good cash flow.  So, while our total income will be lower at age 35 than it is now (since I won't be working by then), we'll be doing just fine, because that was our goal all along.

  • Investor · Vancouver, WA · Member since 2013 · 3k+ posts · 4k+ votes
    11y

    Learn how to learn for the rest of your life and make sure your goals take you forward so you are in a better position every year! I'm 57 and not slowing down, just making sure my foundation for passive income is solid for when I'm not able to be as active. Planning to enjoy life as long as I can!

  • Investor, Entrepreneur, Educator · Springfield, MO · Member since 2009 · 21k+ posts · 12k+ votes
    11y

    That's pretty good Steve, unheard of in fact, begin with no RE knowledge with limited funds and average $250,000 for 5 years! Wow! 

    I don't consider $1M in net worth rich, it's a comfortable position, but not rich. OTH, $10M isn't rich in my book either, it's well off.

    Speaking of youth, my comment of being taken seriously may not have been justified very well, so I'll explain my  thinking.

    I assumed we all began not knowing squat.

    I assumed others like myself didn't hang with 47, 50, 55, 60 and 70 year old folks who control the larger RE business/deals/projects/business equities in my area, I hung with those in my age group. Certainly I spoke and had learning opportunities from those movers and shakers.

    I remember buying houses at that 20 something age, I bought from homeowners, one on one, 2 and 3 bedroom jobs. They were all middle income, working class homes. Granted, I was also in the Army, had that military bearing, but I was learning RE. Yes, homeowners took me seriously.

    I also don't think you can buy properties from those who may take a young starter seriously will make you "rich" in 10 years, if people are truthful here, they didn't average 20 properties from year one to the end. I'm guessing that the purchases will be skewed, maybe 3 deals in year one and gradually increasing. The appreciation and income streams will probably take ten years at least, more like 15 maybe 20, getting to that undefined plateau of "rich".

    You would need to work bigger deals to accelerate that growth. Working big projects means joining the club of those movers and shakers, at 25, I don't see that bunch taking one seriously unless they are already wealthy or have access to large sums of money. At 25, you don't have the expertise or knowledge to play on that playground, like a grade school kid playing ball with a high school ball team. 

    So, my comment is to reality. Assuming you begin not knowing RE, assuming you don't have big pockets, just a job, making a living and getting started.

    I can say that at 25 I had a heck of a lot more energy and perhaps drive and big ideas than I did at 45. The big ideas (wild ideas) mellow to reality too, you learn and that takes about 5 to 7 years to really get in the grove, IMO. If you start at the beginning as I described.

    I don't really know the Bill Gates story, I think he began as a kid and didn't really hit on his niche for several years, probably 5 to 7 just guessing. His business didn't really hit rich for several more years while in college and dropped out knowing he had something. I'd just bet it took him more than 10 years in his life to hit rich, and, Bill is exceptional too.

    In fact, I could see that in my market, price ranges, inventory that buying rentals wasn't going to get me there for some time. I went into financing, that opened the doors to larger transactions, partnerships and dealing in notes, which was much more profitable. It took about 15 years of messing around in RE, with a job, before I began that side.

    Agreed, the moral of all this is double clutch it while you are young and get going, but don't be discouraged as you pay your dues in the learning process. The learning process never ends either! :)   

  • Roy N.Pro Member
    Rental Property Investor · Fredericton, New Brunswick · Member since 2013 · 7k+ posts · 4k+ votes
    11y

    At 35 I was worth ~5-million (on paper), then our Vulture ... er Venture Capital "partners" threw us under the bus and I was left holding a pile of debt to local suppliers. 

    Ironically, despite their pumping more money into the technology, they ran the business in the ground in 18-months and lost more than we (the founders) did.

  • Scottsdale, AZ · Member since 2014 · 659 posts · 536 votes
    11y
    Originally posted by @Bill Gulley:

    That's pretty good Steve, unheard of in fact, begin with no RE knowledge with limited funds and average $250,000 for 5 years! Wow! 

    I don't consider $1M in net worth rich, it's a comfortable position, but not rich. OTH, $10M isn't rich in my book either, it's well off.

     Well that was nothing Bill.  Within 10 years, 2007 to be precise, I was up to 10M net worth with over 1000 units.  I had more cash coming in than I knew what to do with. 

    Then the crash came and devastated my holdings in Phoenix.  I went to a negative net-worth.  But that is where tenacity and learning kicked in.  I was able to recover enough to be comfortable again.  The knowledge that was gained from the rise and fall almost made it all worthwhile.  :)

  • Mechanicsburg, PA · Member since 2013 · 3k+ posts · 2k+ votes
    11y

    @Roy N. 

     & @Steve Olafson 

    Even though there were some setbacks, your knowledge and experiences allowed you to re-build.

  • Investor, Entrepreneur, Educator · Springfield, MO · Member since 2009 · 21k+ posts · 12k+ votes
    11y

    Oh Steve, that's just on paper, don't worry about it, full steam ahead! :)

  • Herndon, VA · Member since 2014 · 1k+ posts · 324 votes
    11y
    Originally posted by @Frank Jiang:

    This article is focused entirely on income and earning power.  Income is not wealth.  I know plenty of people with high salaries that can't pay their debt obligations due to over-consumption.

     It looks like it also is focused on "earned" income.  It likely is missing a fair amount of investment income, not to mention it has no idea if the people are building wealth or just spending money as fast as they earn it.

    One thing that will be interesting to see if what happens with the new workers of the past few years who have had a lot of delayed starts.  Is it the first 10 years where the growth of income occurs or the age 35 is the magic number.

    It does seem that most people who make changes to dramatically increase their income as an employee - moving for a job, transitioning into management, completing a degree for a profitable career change - do so in the first 10 years of their career.

  • Rental Property Investor · Phoenix/Lima, Arizona/OH · Member since 2012 · 4k+ posts · 4k+ votes
    11y

    They have no clue at MSN.  It's true - your life has to be "in order" by 35; wheels have to be in motion.  But, it takes longer for most in RE.  I will be 40 this year, and I am just now seeing the first fruits of my labor.  By 50 I'll be rich...

  • Mechanicsburg, PA · Member since 2013 · 3k+ posts · 2k+ votes
    11y

    @Ben Leybovich 

    You're already rich, in experiences, accomplishments, knowledge and friends!  ands that's not even looking at your Balance Sheet

  • Investor · Appleton, WI · Member since 2012 · 1k+ posts · 464 votes
    11y

    This article just highlights that on average Americans are horrible with money. Being 29, I fit into the generation that are doomed. I however see a ton of opportunity not only for myself but for my generation as a whole if one wants to put in the time and effort to achieve it. I currently work a JOB but plan to be a full time investor by age 40. I'm hoping by 35 and with my growth trajectory  it should be possible if I can take the jump. I started at 21 and if I could go back 10 years with I what I know now would done a lot better. I still get some hesitation because of my age but within a couple minutes it is gone now :)

  • Visalia-Fresno, CA · Member since 2009 · 1k+ posts · 863 votes
    11y

    Your life partner is a key piece to becoming and staying rich.  The best dice I ever rolled were on my wife. That is why I wash and vacuum her vehicle every sunday.

    Frank

  • Investor · Arlington, VA · Member since 2012 · 84 posts · 27 votes
    11y

    My takeaway was the author's call to action for those who want to be "rich". .. Quotations were used because the term is subjective and hard to define from a numerical perspective.

    Yet, to measure an individual's true financial stance, I believe net worth should have been used instead of income. Net worth = assets - liabilities

    In my book, there are many intangibles which rich people possess and it has more to do than just their pocketbook: liberty of time, great quality of life, high mobility, resourceful connections, etc..  By 35, a solid foundation should be established.

    In the end, the formula is different for everyone. Yet, the main ingredient is always the same:  ACTION is necessary.

    Look around those who surround you and get inspiration from those who have achieved what you desire.

    "Talk is worth cents. Action is worth dollars. What do you have in your piggyback." - My original quote ... which fuels the fire to escape the ordinary rat race.  

  • Administrative Assistant · Atlanta, GA · Member since 2015 · 4 posts · 1 vote
    11y

    Well then I'm not even going to waste my time reading this article, I'm over 40 guess I might as well call it a wrap. 

  • Investor · Arlington, VA · Member since 2012 · 84 posts · 27 votes
    11y

    @Kit E. 

    Better late than never.  Take action. Coulda woulda, shoulda is never the correct answer. 

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