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Making a Millionaire

The Truth About $250,000 Saved by 42

Dan and Sorcha didn’t start early, but from 2017–2020 they paid off credit cards, student loans, and cars, then ramped up to a ~30% savings rate, maxing both 401(k)s and Roth IRAs with extra going to a taxable account. We break down their college strategy (dual enrollment + living at home to cover the final two years), their $2,500/month sinking fund for near-term goals, and the trade-offs of a future move to the Pacific Northwest. You’ll also hear why term life insurance, consolidating IRAs for backdoor Roth compliance, and simple frugal habits (cook at home, grow food, sensible cars) create the margin that makes the math work.

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