I’m not the best example for a young man’s dream since I didn’t make my first trip to Africa until i was 69 and long time retired. But I started saving $.05 out of every dollar I made throwing newspapers at 12. I worked 1 half day job and a full time night job through college. No debt when I graduated. Once I got a full time job, I saved/invested $.10/dollar made. In my 30s&40s it was $.25/dollar. There were no 401ks nor IRAs most of my working life, so an old well to do uncle encouraged me to invest. I did and it worked out...S&P 500 is a no brainer! Just ask Warren Buffet the “Oracle of Omaha”. I never owned a new car until a few months before I retired (but I always bought a new car for my wife). Our vehicles I maintained and got close to 200,000 miles out of each before replacing them. I didn’t have a TV most of my life. I read books from the local library or borrowed them from friends. We played coed softball, hiked, backpacked, climbed mountains, fished, hunted, but all close to home. No complaints here because I have had a great healthy full life! So I invested and managed to retire young with enough invested that if I don’t blow it, I’ll make it another 10-15 years. Then in my 80s I figure it’s time to sit back, relax and let all you young guys pay my SS while I go for one last hike, hunt, or fishing trip. So...keep on working!