Wrong. You need discipline. I've seen $40K earners with $200K in ETFs and $150K earners with negative net worth. The difference? One person saves 40% of income and allocates it across the PNL Portfolio weights. The other spends everything. Our allocation works from $500. You don't need massive capital. You need consistency. A $30K salary with a 50% savings rate beats a $200K salary with 90% expenses every single time. The math is brutal. Save $500/month, allocate across PNL weights, earn 32% CAGR (our actual track record), and you're building serious wealth in years, not decades. Save $5K/month? The compounding becomes life-changing. Your income is irrelevant. Your savings rate is destiny.