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Personal Finance Topics / Retirement Investing
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Author: ajm101   😊 😞
Number: of 1171 
Subject: Re: From broke to $23 MM net worth w/ index funds
Date: 01/20/26 9:05 PM
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So: why the difference?

You both seem to have enough saved up and made some incredibly good decisions. Whatever the differences are, you seem to have that very important thing in common. It doesn't sound like you regret any of the money that's not there!

Regret is damn expensive.

I want to particularly say that

- I was v substantially underpaid the first 7-8 years in practice, due to a poorly run practice. I tolerated bc: good group; declining parents nearby; good community to live & raise kids

is a great reminder that we actually aren't paid in money, we are paid in money adjusted to our own, unique utility function (https://en.wikipedia.org/wiki/Utility). Sounds like you actually made an excellent economic decision in that regard.
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