When I graduated from Johnston High School in Austin, Texas, in 1987, I was practically a millionaire. I didn’t win the lottery or receive a big inheritance, yet I had done everything to become a millionaire . . . except actually have the money in my bank account.

So why do I say I was a millionaire? Throughout high school, I had earned and saved enough money to have accumulated more than $35,000 in the bank. If I did nothing else with the money and just invested it in something with a nice return, I would become a millionaire twenty years before I reached retirement age.
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