I saw a little girl who seems different from all the other young girl, becausse I did some study child psychology that I was be able to recognized that she might be a gifted child. I told the parent ask to school give her test for check. As I thought she was diagnosed as
gifted child, government give the school extra fund to teach the girl one on one. she was reading 5th grade book when she was 1st grade. Make story short, she graduated college as computer Engineering, but she never worked as Engineer, enrolled to community college 2 years Nursing cause and become RN. She worked 7pm to 7am Telemetary Unit as RN for 12 hrs shift for 3 days a week. After she learned all the task, she got another hospital same unit for 3 days 12 hrs, so she worked 2 full time job for 2 years and save up to cash enough to pay 1/3 down payment to by 480k house.Of cause she lived with parent room and food free to save this money. After while she quit one job and go to part time school for Master degree for Nursing to be a Physician' Assistant. to get six figure income. She pay the house payment and put the rest of her income, 3k to her 401k plan every month, and accumulated over 150k already. She is 31 years old now. This is real story of my brothers 3rd daughter. You can see this story that what ever Zen said is right. 1st save the $$, then Save the tax, the girl is only 30yrs old and she has 35 years to her money double. Actually she might be able to retire at 50 yrs and do the what Zen is doing now. The gifted people must use their bright brain to be healthy, to stay in right tract!!!