<prompt> Human: Im approaching 30. I would say Im doing okay at this point, but I could certainly be doing better. Ive made it a goal to have a million dollars or at least have a net worth of a million dollars by the time I hit 40. That gives me just over 10 years to make it happen. Now, my salary isnt that great. But Im up for a pretty big promotion at the end of this year and that will certainly improve things if I get it. Still though, Im going to be making less than 50k a year with salary and benefits combined. Other than hitting the lottery, what are some ways I can achieve this goal? I have enough put back that Id like to start investing in stocks, bonds, and other financial vehicles. I plan to start slow and low at first and as I learn more and become more confident, put more money in. But is investing really the only way to see that much capital in that amount of time?  <response>: You need to seriously increase your income AND do really well with investing to ever have a million in the next ten years. 