<prompt> Human: I see time and again everyone on these subreddits saying you should maintain a low-cost three-fund lazy portfolio. I understand the logic. It is the sensible thing to do, and there are many variations too, judging by a list like this. Yet I cant help but wonder, am I thinking small? Do those who achieve financial independence earlier in their lives say by age 45 get there by following the lazy portfolio regimen? I doubt it. I dont personally have friends with outstanding wealth. I am genuinely curious.  <response>: Do you want to drive a Lambo, or do you want to be rich?There are a lot of millionaires around. In the US for example there are 125 million households, and 10 million of them are millionaires so 1 in 12.5 or 8. This means when you go see Star Wars, if the people in your 250-person theater represent the average of the US households, chances are someone in your row will be a millionaire, and there will be 20 millionaires in the theater.Why do I say all this? Because you dont often realize what millionaires look like. They drive Hondas and Fords the most common model, last time I heard about a survey, was a Toyota Corolla. They live in the houses you drive by all the time. A majority dont wear suits to work. Many make their money by being entrepreneurial - owning a business or doing contract work physicians, consulting, etc but theyre boring people, finance-wise. Id bet more have lazy index fund portfolios than youd think. For every millionaire getting rich by investing in AAPL in 1992 and getting lucky, theres dozens that work, save, and invest much more simply. 