Great piece, *amen!* and kudos for figuring out all this already in your 20s!

As someone who had a negative net worth at 30 coming out of grad school, who never paid more than $500 for a watch ☺, and who figured out a lot of this stuff through decades of personal experience, I applaud your early awareness of all this.

The easiest way to become wealthy is to save and invest more than half of each raise and significant increase in income. Do that for several decades and you’ll be financially independent.