I'm 30 years old and have a net worth just over $100,000. My highest income over the last 10 years was $51,000 and that was just once. Mostly it has been low 40s or high 30s. My wife and I managed to save money in ROTHs while giving over 10% of our gross wages every year. We also have 2 kids and no insurance for the second birth which we paid $11,000 for in cash.

My point is that poverty for most people is a choice and as Americans we have chosen poorly. The most important thing my family has done that others haven't can be summed up with one word: Discipline.

Jesse