<prompt> Human: Ive got an amazing head start in life by graduating without debt and starting with a salary of 75k, increasing 10 every year I dont burn out.I plan on maxing out my IRA and then contributing enough to my 401K to hit 15 of my gross income towards retirement which I wont touch until Im 60. However, with my current expected budget, Ill still have at least another 15K to invest or save towards any future large purchases.What can I do to maximize the chances of becoming a multi-millionaire by my mid 30s if not 40s at the latest? My parents tell me that starting my own business is the best way to go, but with my skillset I would need an MBA and another decade of experience before I am competitive on my own.Right now, my plan is to get an MBA a few years down the line, and then continuing my career for a few years before I either make partner consulting, or start my own company. Im willing to work brutal weeks, and may be interested in investment banking if thats the most efficient way to rake in money safely. From basic calculations, saving 15k a year retirement doesnt count since its locked away at 7 interest over 20 years yields 660k - I can probably increase savings by at least another 2k a year, which will average to 35k a year non-retirement savings bringing me 1.5M after 20 years.The first million is the hardest for sure... Is there anything I can do besides hella risky investments, or successfully creating a startup essentially all-in on myself that can put me in the top 1? What if my goal is to be in the top 0.1 by the time I die? Assuming deca-millionaires and billionaires arent some kind of crazy genius, is it just investing luck that they got so far?Thanks in advance.  <response>: but with my skillset I would need an MBA and another decade of experience before I am competitive on my own.If youre your own boss, I doubt youll require yourself to have an MBA. But your parents are correct here - the only realistic way to hit that millionaire status much sooner will be to start a lucrative business. Otherwise its just going to be the slow grind. 