actually the formula is easy, raised on cotton farm, high school education, lots of hard work, not afraid to take chances start business - fail start another business - fail a little less start another business - almost make it , lose everything work as cook, carpet cleaner, pool boy etc... to raise money to try again start another business - survive on crackers for 5 years continully evolve business until it finally start to see some results I don't take offence to your comment, but I think people create their own luck by working really hard (I decided to try and do the things I was dreaming of doing in retirement as soon as possible right after my father in law passed away. Just after retirement at 72, he had saved enough to travel the world for years by working hard all of his life only to quickly be taken by cancer before he had a chance. ) /back to lurking for another year or so
I think I calculated if I had 8-9 mil, I could retire now (right before 30). Most of that would be investments and living off of interest.
My two year could retire today if he had $20 million in the bank. Note to self: Talk to son about his bank account
