💡 Charlie Munger once said the hardest part of becoming a millionaire is making the first $100,000.

Let’s put that into perspective using 26-year returns from the top-performing version of the Stars model.
👉 Save $5,000/year? It’ll take you 9 years to reach $100K.
👉 Save $10,000/year? You’ll get there in just over 5 years.

Once you hit that milestone, here’s the surprising truth: you may never need to save another dollar again.

Why? Because now your money starts working harder than you ever could.
Start saving in your early 20s. Reach $100K by 30. Then let compounding take over. By 55, with no additional savings, you could have $12 million.

Yes, life will throw expenses your way — homes, cars, tuition — but the point is this:

Saving early buys you freedom later.

Focus your discipline on the first decade. After that, the real growth begins.