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Did you get in on NFLX at $2 a

or was it living below your means, maxing your retirement accounts and ROTH, and investing in low cost index funds?

Sometimes a person gets in on Netflix or Amazon (or Dell in 1990) AND holds on after that stock becomes an enormous portion of his (or her) portfolio. Those are the ones who are FI at 38 or 48 or maybe later. But those are very few. The way to bet is your latter suggestion, along with taking advantage of company matching money but not letting the company stock become too much of one's portfolio. Retiring at 58 or 60 isn't too shabby despite 38 or 48 looking pretty nice.

One other factor--keep your first spouse. The couple guys I've known with whom I've talked investing and who have a couple divorces each claim they'll have to work 'til 67. They could be pulling my leg, but they probably had/have a lot of salary going to a second household and thus missed out on the 2009-2017 market runup, along with 2003-2007, and one guy the 1990's boom as well.
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