The toughest part is patience
"If you are even a slightly above-average investor who spends less than they earn, over a lifetime, you cannot help but get rich if you are patient."
- Warren Buffett
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whqqq : I think it rather depends on the numbers. If you spend less than what your earn but you’re still not earning very much it would be hard to beat an inflationary environment. Also if you don’t earn very much you can’t buy a property so rent will fuck you up too.