Hey FI community! Long-time reader, occasional commenter. Today I hit a personal milestone - $500k net worth at 32 years old. Wanted to share my journey, current breakdown, and some lessons I've learned. Background: Started with -$42,368 in student loan debt at 22 Engineering career, starting salary $68k (now $137k) MCOL area (moved from HCOL 4 years ago) No inheritance/windfalls, just consistent saving Married, spouse makes $92k, we manage finances jointly Current breakdown: Primary home equity: $127,843.56 (value $425k, mortgage $297,156.44) 401k: $216,754.23 Roth IRA: $78,321.97 Brokerage: $59,478.32 Cash/emergency fund: $21,500 HSA: $14,347.29 Crypto: $3,852.14 (down from $12k at peak, lesson learned!) Minus car loans: -$21,874.28 Total: $500,223.23 Asset allocation: US equities: 67.3% Int'l equities: 18.7% Bonds: 8.1% REITs: 3.2% Crypto: 1.0% Cash: 1.7% Key milestones along the journey: $0 net worth: Age 25 (paid off student loans) $100k: Age 27 $250k: Age 29 $500k: Age 32 (today!) Biggest accelerators: Job hopping (3 changes, 2x initial salary) Moving from HCOL to MCOL area Maxing all tax-advantaged accounts since 28 Living well below our means (~42% savings rate) Tracking this journey used to be a nightmare with accounts spread across 7+ institutions. Started using an app called Roi last year that pulls everything together - tracks all accounts in one place, shows allocation across everything, and calculates our actual savings rate and FIRE progress. Much better than my old messy spreadsheet system. Next milestone: $750k which I'm projecting to hit around 34-35 depending on market performance. Happy to answer any questions about our journey or strategy!