 You already know how to live on less than you make. You don't have any debt. You already know how to save money. You have $45,000. You're already a champion. We've just now got to convert some of those habits into making you into an investor, not just a saver. And when you do that with your Roth IRA, if you'll do that every stinking month for the next 20 years, you'll be a millionaire.