How To Become A Millionaire! My Millionaire To-Do List…

million dollar club sealWelcome to J’s Million Dollar Club!

Ya gotta start somewhere…wanna figure out how to become a millionaire? If you’ve ever dreamed about becoming a millionaire – and you actually want to DO SOMETHING about it – you’re in the right place!

Can you imagine how killer it would be logging into your accounts one day and seeing a cool million there? I’ve been all about it the past couple years and there’s really nothing stopping me now. I’ve got the desire, the patience, and more importantly the game plan! (what this post is all about).

And I’d love for you to join! Check out my “millionaire to-do list” below and then create one for yourself. It doesn’t have to be much, just make sure it’s realistic so you’ll actually go through with it. Then review it every once in a while to remind yourself WHY you’re saving so much more than all all those crazies around you ;) After that, just keep Motivated!The Automatic Millionaire” and “The Millionaire Next Door” are excellent books for this. All the plan really entails is time and habits. You master those and it’s easy breezy my friends! (besides, of course, finding the money to invest). But regardless, you have to start NOW.

In order for me, J. Money, to become a millionaire, I pledge to do the following (each year):

  • $16,500 invested
  • $2,500 *currently frozen…
  • $3,000 est.
  • $500 est.
  • $11,000 invested –> Index funds
  • $5,500 invested –> Index funds

That would mean a total of $22,500/year $16,500/year if I could pull that off! Using CNN-Money’s millionaire calculator with a conservative interest of 4%, I will see a cool $1 Million in approx. 11 years!

This means I will become a millionaire by the time I’m 43 46 Did it at 39!!


We did it!!! As of August, 2019 we crossed into the millionaire range at the age of 39! :) Here are the juicy details –> Net Worth Report #139: $1,131,601.03


That $1 million might not actually be *worth* $1 million by then (and I can’t predict future returns), but to be honest that’s not what it’s about for me. All I want is the ABILITY to retire happily with no concerns about money at all. And I’m pretty damn sure being a millionaire would cover that ;)

[FYI: A cool, and free, place to track all your money is Empower (formerly Personal Capital) You attach all your accounts similar to Mint, and it spits you out a nice “snapshot” of all your money/investments/etc. Plus your net worth! So you can track it every month vs. checking the calculator every few years ;)]

personal capital dashboard

It has a ton of other cool features to help you grow your $$$ as well. You can grab your free account here.

Want to see where our net worth is right now? Click here.

***UPDATE #1*** 10/6/11 Since being laid off in January and now being self-employed (woohoo!) I have updated these numbers :) They’re not *as* sexy as before, but we’re still creeping up towards millionaire status as we go along! And with our new Mortgage Payoff Plan in works, I’ll need a LOT less than $1Mil to be happy now… not to mention how much MORE I’ll have left over in 10 years once I’m 100% debt-free!! WOO!! Gotta keep tweaking our plans as life goes on :)

***UPDATE #2*** 5/20/13 We’re back to hitting $1 Mil earlier again! Two+ years of being self-employed now and so far so good :) Here’s an update on this club we just posted about: We’ve got our first millionaire member! Hope the rest of you are hustling just as hard too!

***UPDATE #3*** 2/17/14 I’ve started a Net Worth Tracker over at my other site, for anyone interested in seeing a bunch of bloggers’ net worths all on one page :) Helps to inspire AND show you that we’re all at different phases of our lives…

***UPDATE #4*** 2/18/15 While I’m still on the hunt to become a millionaire, I’m realizing more and more that it’s not about the money so much as it is about what money gets you: FREEDOM. Freedom from stress, from doing jobs you hate, and freedom from any other nonsense out there prohibiting you to live a life on your own terms. Having a million dollars in the bank may allow many of you to reach this, but after putting together an Early Retirement / Financial Freedom spreadsheet, it turns out I’ll need more than that now that I have a family of four and no longer a bachelor from 7 years ago writing this article :) I encourage you to download it and plug in your own numbers as well to see what you’d need!


Ready to join the club?

Get your own pledge jotted down, and then link back or leave a comment and I’ll add ya to the list! Here are the current soon-to-be millionaires:

  1. James @ DINK’s Finance [Now a millionaire!!! Breakdown here]
  2. Ginger @ Ginger Won’t Snap
  3. Erica @ Erica’s Funny Farm
  4. Brian @ My Next Buck –> Brian’s millionaire list
  5. Brad @ Enemy of Debt
  6. Paul @ Fiscal Geek
  7. Shawanda @ You Have More Than You Think
  8. Financial Samurai
  9. Brandi @ A Life Change: My Journey To Happiness
  10. Yellow Piggy Bank
  11. Michelle @ Penny and Nickel to Wealth –> Michelle’s millionaire list
  12. O1SP03 @ Five Girls Ditching Debt
  13. Megan @ Student Charade
  14. LuLu @ How I Save Money –> LuLu’s millionaire list
  15. Lisa @ Cents To Save
  16. Jayde Moss
  17. The Broke M.B.A.
  18. Ryan @ Planting Dollars –> Ryan’s millionaire list
  19. Roger @ The Amateur Financier –> Roger’s millionaire list
  20. The Financial Blogger –> Financial Blogger’s millionaire list
  21. Money Wise 24
  22. BudgetBabe @ Lean with Green –> BudgetBabe’s Millionaire List
  23. Sabrina @ Freedom 45 –> Sabrina’s Millionaire List
  24. Clayton @ Just Good Financial Advice
  25. YoungAndThrifty
  26. Jeff Kosola @ Deliver Away Debt
  27. Money Handler @ Money Handler’s millionaire list
  28. If I Was a Wealthy Girl
  29. Money Reasons
  30. Jane @ See Jane Get Rich
  31. Barbara Bryn Klare @ Upside of Money
  32. Meghan Fife @ Thoughts on the Real Life
  33. Grant @ MillennialMoney [Now a millionaire!!! –> Check out How To Save $1 Million]
  34. Ciawy @ Run, Work and Save
  35. Benjie @ Zordane
  36. AP @ Aspiration’s Purse
  37. FinEngr @ Engineer Your Finances –> FinEngr’s millionaire list
  38. Harvest Wages
  39. Matt @ Dividend Monk –> Dividend Monk’s millionaire list
  40. Budgeting In The Fun Stuff
  41. Anon Lawyer @ Thoughts of an Anonymous Lawyer [OUR 2nd MILLIONAIRE WHO’S MADE IT! Congrats!!]
  42. Moneymonk
  43. Saving Savy Pinky
  44. Utbytte –> Utbytte’s millionaire list
  45. Darren @ More Than Finances –> Darren’s millionaire list
  46. Meg @ World of Wealth
  47. MFO @ My Financial Objectives
  48. Jeffrey Mitchell
  49. Ashley Jacobs @ CashFlow Sherpas
  50. FrugalGuy @ Frugal Revolution
  51. Anthony @ Diversify Your Life
  52. Matt @ Better Me Self (awesome name!)
  53. MoneyMan @ Financial Odyssey
  54. Wendy P.
  55. Bobby
  56. Stu @ Pennywise2Pennyworth
  57. Ginger @ Frugal Students – Starting a New Life –> Ginger’s millionaire list
  58. Will @ Frugal Norwegian
  59. Money Rabbit
  60. Chris Parsons @ Small Biz Big Dreams
  61. Divas With Cents
  62. Jack Crown @ Stock Dividend
  63. BigChrisB @ Debt Digger [The first one to a million! Congrats!!]
  64. Catherine @ Blugoo Girl
  65. Eric @ Post Grad Agenda –> Eric’s millionaire list
  66. Jamie J @ The Bottom Rung
  67. Jon @ Free Money Wisdom
  68. Rob. T. T.
  69. Angie
  70. Jane Sanders @ Debt
  71. Dani @ OK, Dani –> Dani’s millionaire list
  72. Nitza @ Nitza’s Pizza –> Nitza’s millionaire list
  73. Brian @ Treasure Freedom
  74. Aspiring Millionaire @ Aspiring
  75. Multi-Millionaire Before 30 –> Multi-Millionaire’s list
  76. Kelsey Horner @ Zero To One Million Challenge
  77. Kody @ Financial Money Tips –> Kody’s millionaire list
  78. Steve Ryan @ Smart Wealth
  79. Jeff @ My Multiple Streams –> Jeff’s millionaire list
  80. Mistress Susan @ Savionaire
  81. John @ Frugal Gearhead
  82. Rich Uncle El @ Money Watch 101 –> Rich Uncle El’s millionaire list
  83. Long @ Budget For Wealth –> Long’s millionaire list
  84. Cameron Cohen
  85. Shondell @ Call Me What You Want, Even Cheap! –> Shondell’s millionaire list
  86. Busy Executive @ The Busy Executive Money Blog
  87. Jai
  88. Obodden
  89. Alunda @ My Take on Money
  90. Victoria @ Lend Not Borrow
  91. Mikayla – (List below in comments)
  92. CrystalH @ Sophisticated Spender
  93. DC @ Young Adult Money –> DC’s millionaire list
  94. Oyinda – (Listed below in comments)
  95. MB @ 12 Year Career
  96. Mike Collins @ Wealthy Turtle
  97. Just Pay It Off –> JustPayItOff’s millionaire list
  98. DZ @ Debtzilla –> DZ’s millionaire list
  99. Lena @ What Mommy Does
  100. Jim [Another member who’s made it! CONGRATS, Millionaire!]
  101. RevenueKing
  102. Tarragonisntjustaspice
  103. Jeremy @ My Financial Road
  104. Abbie Stokes @ Finance Junkie
  105. Mario @ Debt Blag
  106. Free Money Minute
  107. Anton Ivanov @ Dreams Cash True
  108. Paul – (list is in comments below)
  109. Alex – (list is in comments below)
  110. Leona @ All My Dollars and Cents
  111. Anne – (list is in comments below)
  112. Christine @ ThePursuitofGreen
  113. EJ @ My Millionaire Status Dream
  114. Kim @ Eyes on The Dollar
  115. Mel @ Broke Girl Rich
  116. Izzye G
  117. Corinne Hoener
  118. S Dot [UPDATE: A new millionare as of 1/5/18 – congrats!!]
  119. Graham @ Money Stepper
  120. Fiona
  121. Kirby @ TheSimpleMoneyBlog
  122. Bobby @ Making Money Fast and Slow
  123. Jessi Mendoza
  124. Flori
  125. Franklin B
  126. Lisa E. @ Lisa vs. The Loans
  127. Deacon Hayes @ Well Kept Wallet
  128. Mama Breeze @ Following Life’s Breeze
  129. Krista and John @ 2 Copper Coins
  130. MITM @ Naked Budgeting
  131. Shannon — Hit millionaire status on 8/10/16!!! Congrats!!
  132. Project Ikonz
  133. Zac @ Money Journal
  134. No Nonsense Landlord –> Going for $1 Million in *liquid* net worth!
  135. John C. @ Action Economics –> John’s millionaire list
  136. F2P @ Free To Pursue –> F2P’s millionaire list
  137. Derek
  138. Ndy
  139. Guillaume
  140. Cody Wheeler @ Academy Success –> Cody’s millionaire list
  141. Single Dad @ Single Dad Living
  142. Kim @ A Sister Livin’ Better
  143. Journey To Total Freedom
  144. Darlene (list is below in the comments)
  145. Teresa (list is below in the comments)
  146. Tim Seidler @ Get Niche Quick
  147. Elisha Buffet @ Warren Buffet Wannabe –> Elisha’s millionaire pledge
  148. Gauthamy
  149. Taylor Lee @ Engineer Cents
  150. Jeff @ Middle Class Success
  151. Happy Frugaler @ The Happy Frugaler –> Happy Frugaler’s millionaire pledge
  152. US (millionaire list below in comments)
  153. Kelly @ Money Millennial
  154. Fervent Finance –> Fervent Finance’s millionaire pledge
  155. MP @ Mustachian Post
  156. M/M Kash – list is below in comments!
  157. Gene Roberts – list is below in comments! [UPDATE: Gene is now a millionaire!!]
  158. Joshua Whitaker
  159. Swetha (millionaire list below in comments)
  160. My Road to Wealth and Freedom –> millionaire pledge
  161. Aja McClanahan @ Principles of Increase
  162. The Captain @ The Pirates Life For Me –> The Captain’s millionaire pledge
  163. Gen Y Finance Guy –> Gen Y Finance Guy’s millionaire pledge
  164. The Money Mine –> Nick’s millionaire pledge
  165. Live Debt-free in NYC
  166. Sheraz
  167. Future Beachbum
  168. Debt Free Fanatic
  169. Mario – list is below in comments!
  170. Beards and Money
  171. Fiprogress –> Fiprogress’ millionaire pledge
  172. Stacey – list is below in comments!
  173. The Finance Games
  174. The Green Swan (The first blogger who already *has* a million dollars but is going for MULTI-millionare status! ;))
  175. DauvO –> millionaire pledge
  176. Dave — pledge below in comments!
  177. Miss Mazuma –> millionaire pledge
  178. Dollar Engineer –> millionaire pledge
  179. A4L
  180. Travel Travel & Retire! –> Just crossed the $500k mark!
  181. Our Financial Path
  182. The Millionaire Educator –> Ed hit a million dollars! Now working towards a trillion :)
  183. Solving Finance
  184. Her Every Cent Counts
  185. I Vigilante
  186. *Honorary member* My Own Advisor –> Mark hit a million dollars and is now going for a $1 Mil real estate portfolio!
  187. Rick – Now a millionaire, congrats!
  188. Adventure Rich
  189. Smart Budget Life
  190. The Frugal Gene –> Lily He-Prudhomme’s millionaire pledge
  191. *Honorary member* Steveark –> Hit a million back in his forties 15 years ago, and has since added a few more
  192. Frugal Asian Finance
  193. RPM – list is below in comments! (UPDATE: Now a millionaire!!)
  194. The Canny Contractor –> The Canny Contractor’s millionaire pledge
  195. 99to1percent’s $4 million pledge!
  196. The Frugal Onion –> The Frugal Onion’s millionaire pledge!
  197. The Graying Saver –> Brian’s millionaire pledge!
  198. aHalfStick
  199. Budget on a Stick
  200. The 40 Year Old Retirees
  201. Abandoned Cubicle –> Cubert’s millionaire pledge! (Towards the bottom)
  202. Devin from!
  203. Salary Optional –> Robbie’s *Financial Independence* pledge!
  204. Matt @ The Working At Home Man –> Matt’s millionaire pledge!
  205. Domenico Cervo @ FinanceShot
  206. Tony @ –> Tony’s millionaire pledge!
  207. Carrie S (List is in the comments)
  208. Virginia Ndirangu (List is in the comments)
  209. Financial Fred –> Fred’s millionaire pledge!
  210. Renea! (Not a blogger, but a future millionaire regardless!)
  211. Impersonal Finances –> I.F. Millionaire Pledge!
  212. Ryan @ REI Lifestyle Blog –> Ryan’s Millionaire Pledge!
  213. Morenji (Pledge list in the comments)
  214. *NEW* Greenbacks Magnet –> Already 1/4 way there!
  215. *NEW* Adam @ Real World Personal Finance –> Adam’s Millionaire Pledge!
  216. *NEW* Kalen Houck @
  217. Do YOU want to be #218? Make the pledge and let me know! 🤑 💵 💰


Badge Code:

Million Dollar Club

Million Dollar Club

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PS: If you’re just getting started in your journey, here are a few good resources to help track your money. Doesn’t matter which route you go, just that it ends up sticking!

If you're not a spreadsheet guy like me and prefer something more automated (which is fine, whatever gets you to take action!), you can try your hand with a free Empower account instead (formerly Personal Capital)

Empower is a cool tool that connects with your bank & investment accounts to give you an automated way to track your net worth. You'll get a crystal clear picture of how your spending and investments affect your financial goals (early retirement?), and it's super easy to use.

personal capital dashboard

It only takes a couple minutes to set up and you can grab your free account here. They also do a lot of other cool stuff as well which my early retired friend Justin covers in our full review of Empower - check it out here: Why I Use Empower Almost Every Single Day.

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  1. J. Money February 8, 2010 at 10:42 PM

    we all gotta start somewhere! both of you have now been added :)

    1. Cubert March 20, 2018 at 6:08 PM

      Hi J.!
      Glad I stumbled across THIS on Frugal Gene’s fancy schmancy blog! I want that badge for Bad.

      In order for me, Cubert J. Cubert I, to become a millionaire, I pledge to do the following (each year): avoid exotic investments, improve myself with reading and training, focus on people over things, and try to let go of my addiction to my budget spreadsheets. There is more to life!

      1. J. Money March 21, 2018 at 7:03 AM

        Rock on! Wanna do a blog post about it so we can link back to it and share it with the masses? :) UPDATE: You’re now added!

    2. Ilir November 11, 2020 at 3:19 PM

      I’m in! Will post something shortly.

      Ilir @

      1. Joel November 11, 2020 at 3:42 PM

        Sweet! Ping me with the page when you’re done and I’ll throw you up on the list! Love it!!!!

  2. moneyhandler February 9, 2010 at 5:06 AM

    Hey, sorry, but I had to change the site and name of my blog where my millionaire to do list is located (it WAS waking up with money) but now it's


    Keep making the millions everybody! ;-)

  3. Money Reasons February 13, 2010 at 1:31 AM

    J.Money, count me in too!!!

    I used the below link as a title:

    I got some REAL interesting adds come up on my side :)…

    Good idea, great way to get people to focus on that goal!!! and I decided to jump in together at the same time…

  4. J. Money February 13, 2010 at 7:20 PM

    Sweet! You guys have now been added – welcome aboard :)

  5. Barbara Bryn Klare February 13, 2010 at 7:45 PM

    Hey, glad to join the club. Here's the link to my blog, where I put the club badge:

    –Max out Roth each year
    –Covered calls in ALL my IRAs and 401(k)
    –Sock away cash

  6. J. Money February 23, 2010 at 4:02 PM

    Done and done! Welcome aboard my new friends :)

  7. Mr. Tablet February 26, 2010 at 1:59 AM

    My Millionaire to do list?
    – Buy an Island…
    – And the Lear Jet to fly me there and take a long vacation.

    Thanks for the question.

  8. J. Money February 26, 2010 at 4:39 PM

    You're going to buy an island and lear jet to reach a million dollars? ;) Gotta drop HOW you're going to get there my friend…

  9. Ciawy February 28, 2010 at 5:03 AM

    J. Money,

    Thanks for being an inspiration. I would like to be a part of your club. I just started my blog 2 months ago, and it's about running, finding work and saving money. My first money/savings goal is to have $12,000 on my savings account by 2012 and then go from there. I had to start somewhere, right? Of course I wouldn't stop there.
    Thanks again!


  10. J. Money February 28, 2010 at 5:30 PM

    Damn straight :) Can't make it to a million without hitting $12k first – I think that's a most excellent goal. Welcome aboard!

  11. kenyantykoon March 2, 2010 at 10:40 AM

    is there a billionaires club? That is what i want and when this boy reaches a billion it a wrap. i even have a way to get to it and it involves working very hard at something that i love. i think that is the first thing to making a billion(finding something that you would gladly do for free and people pay you to do it)

  12. J. Money March 2, 2010 at 8:10 PM

    Well, we can certainly create one. How about you tell me the secret to this business of yours and we'll do it together? ;)

  13. kenyantykoon March 3, 2010 at 6:46 AM

    all in good time my friend, all in good time :)

  14. Benjie @ Zordane March 8, 2010 at 3:50 AM

    Hi J, this is really exciting. And You could add me to the list, I'll post my personal list in my site. Great idea!

  15. AP March 12, 2010 at 3:30 AM

    Okay, count me in. I am trying to save up a million to buy a particular business and I don't know if I'll still want it when I'm 40 something, but it doesn't hurt to try right?!

  16. J. Money March 14, 2010 at 9:17 PM

    Welcome to the club, good sir!

  17. harvestwages March 17, 2010 at 11:02 AM

    Great todo list,
    i’m getting on board now!!!

  18. J. Money March 18, 2010 at 1:49 PM

    Great! Let me know when your list is up and I’ll link directly to it :)

  19. Matt @ Dividend Monk March 30, 2010 at 5:10 PM

    Looks good. I’d like to join the list. I’ll get a post up in a day or two and post the link.

  20. J. Money March 31, 2010 at 10:37 AM

    Great, Matt! I’ll add it up as soon as I see it :)

  21. Matt @ Dividend Monk March 31, 2010 at 5:04 PM

    J. Money,

    I’ve written my millionaire list and have linked back to your post here.

    Having some trouble with the badge, though. I’ve copied the code as presented but it just comes up with a link that says “Million and then doesn’t link to anywhere. If you have any idea what I might be missing, let me know.

  22. Bank Guru April 1, 2010 at 1:17 AM

    Good Luck, hope you hit the million mark before 13 years!

  23. J. Money April 1, 2010 at 11:05 PM

    Welcome aboard Matt! GREAT list too :)

  24. Budgeting in the Fun Stuff April 7, 2010 at 9:44 PM

    Here’s the link to my Millionaire To Do List:

    For some reason, the badge isn’t working…anyone else have any issues? I cut and paste it without the word “Copy:” (like the Yakezie badge), but I just see a red x box. I’m using Blogger…

  25. J. Money April 8, 2010 at 2:55 AM

    Awesome!!! Thanks for joining :)

    I finally figured out what was wrong w/ the code, so all the badges should work now! (they got jacked up when we converted this site from Blogger to WordPress, oops.) Sorry about that guys, but thanks for alerting me :)

  26. Budgeting in the Fun Stuff April 8, 2010 at 7:29 PM

    The badge works, yay! Thanks J!

  27. Moneymonk April 22, 2010 at 11:53 AM

    Count me in. I am doing what you are. My only weakness is dining out

  28. lauren jade April 27, 2010 at 4:17 AM

    why would u throw it all in a 401K…???? and not a roth to begin with and second theres no way ur going to become a millionaire JUST because u do those things…..and why wouldn’t you ACTIVELY manage your money….? “maxing” out contributions won’t make you rich…do u know how FAST u would blow through $1 at age 43??? and also why not invest the money so you increase your cashflow to the point where you wouldn’t ever need any of those ira’s ? make your money work for you instead of sitting there collecting “dust” (1.8% a yr) which doesn’t even beat inflation…..

  29. J. Money April 27, 2010 at 10:16 AM

    Hmm…I don’t think you read this post very well. You’re telling me that if I invest $40,000 every year – even if it just “collects dust” as you say (which is kind of impossible because it’s not in a savings account, the money is in mutual funds & stocks) – that there’s no way possible to become a millionaire? HAH! Even if I just put $40k in cash under my bed LOSING money over the years due to inflation I’d still become a millionaire by the time I’m old & gray.

    You can’t argue against 100% 401k matching either – If your company gave you $16,500 every year to match your own $16,500 contributions, are you saying you wouldn’t take it? Where would be able to double your money quicker than that?

  30. Saving Savy Pinkey April 30, 2010 at 12:00 AM

    Great list… I think, I will be the first Indian to join the gang.
    I will plan as per Indian context i.e. Indian Rupees, Indian 401 (PF), Roth IRA (PPF)etc….

  31. J. Money May 7, 2010 at 8:35 PM

    AWESOME! Welcome aboard my Indian friend :) When you get your list up let me know and I’ll link back to it…in the meantime I’ll add your name.

  32. Utbytte June 30, 2010 at 10:18 PM

    Here is my list. You should maybe google translate it from Norwegian to English. It will end up as a really bad translation so I’ll just post the highlights here.

    I already have some value in my stock portfolio and I expect those values will increase by 8.5% per year over the next 15 years. I expect also that I will save kr 10,000,- per month each month on average.

    If I manage to get a return of 8.5% on average per year and save 10,000 per month I will have kr 6,533,685,- in 15 years. kr 6,533,685 equals a little more than one million dollar.

  33. J. Money July 2, 2010 at 3:03 PM

    Norwegian – nice! Welcome to your journey to Financial Freedom!!!

  34. Meghan July 4, 2010 at 10:25 PM

    J. Money,

    I just wanted to ask if you’d update my info above. I finally switched over from (Thoughts on the Real Life) to with my own domain name. =) So now my millionaire to do list is at


  35. J. Money July 5, 2010 at 12:55 AM

    Done! Congrats on the WP switch :)

  36. Darren July 10, 2010 at 7:24 PM

    Thanks again for including me. The empire is growing!

  37. Invest It Wisely July 20, 2010 at 3:05 PM

    “All I want is the ABILITY to retire happily with no concerns about money at all. And I’m pretty damn sure being a millionaire would cover that ;)”

    That’s the dream! :)

  38. J. Money July 20, 2010 at 3:49 PM

    Yeah, a dream come true one day!

  39. myfinancialobjectives July 21, 2010 at 8:56 PM

    Just posted my list! Indeed a dream come true someday sooner than later!

  40. Jeff July 27, 2010 at 1:02 PM

    J. Money,

    This is my first time evaluating this blog and I am impressed. I was reading DINK articles online and I thought I would comment about your Million Dollar plan. I think the biggest things you can do to reach this goal are #1) Invest in a variety of different products to diversity risk, and do it automatically #2) Cut back on materialism.

    Here is my plan w/6 different buckets:

    1) Roth IRA – automatic W/D of $100.Month: Projected $200,000 return
    2) Whole Life Insurance, guaranteed 3% minimum return and I pay $135/month for the rest of my life. If stopped funding at 60, I can collecte a credit of $115,000 minimum
    3) 401K – Currently taking 5% salary and have a 4% match, aggressive investments targeted. Projected $200,000 by retirement
    4) Automatic W/D into Savings – ING Direct pays interest on this money and it is my most liquid asset. KLimiting to $50,000
    5) Misc. Stocks and investments: Projected $100,000
    6) Assets: Value of the things I own which can be sold: Cars, Cutco Knives, Out of Print Albums, Trading Cards, etc. Estimated $100,000

    Finally, if those 6 buckets of retirment planning are not enough, I do plan on collecting at least 75% of what I pay into social security, as well as receiving misc. inheritance valued at around $50-100K.

    This adds up to around $1 Million and all of these buckets are in place right now at age 25. What are your thoughts?

  41. Ashley Jacobs August 12, 2010 at 1:59 PM

    Hey J.!

    Here is the link to my Millionaire To-Do List:


    The badge for the club shows up at the bottom of each page of Cash Flow Sherpas!

    Please add me to the list! I’m excited to be part of the club!


  42. FrugalGuy August 20, 2010 at 4:16 PM

    Hey J. Money! Count me in! I have pulled together my millionaire to-do list. Here is the link to my post which includes the badge. Please add me to the list!

    {broken link}


  43. J. Money August 20, 2010 at 9:47 PM

    @Jeff – I think you are a very detailed man! And that’s great :) I don’t know about the Whole Life Insurance part, but the rest I say Amen brotha. It’s all about having that plan and making it a habit! You are now a club member!

    And same with you guys too Ashley Jacobs and FrugalGuy! Welcome aboard!

  44. Anthony @ DYL August 26, 2010 at 4:46 PM


    I’m in, too! Add me to your all-star list!

  45. J. Money August 27, 2010 at 12:13 AM

    Lucky #50 :)

  46. J. Money September 6, 2010 at 3:50 PM

    You’re now up there! Like how you kept in mind that your #’s are based only one what you’re bringing in today too. Imagine if/when you start making more as the years go by? You will reach that $1mil mark MUCH faster :) Keep it up!

  47. Wendy P. September 8, 2010 at 9:17 PM

    My Millionaire to do list –

    1. Save $25,000 by end of year 2011
    2. Increase my annual income by $50,000 by going back to school and getting additional certifications (by getting promoted or landing a better paying job) and selling merchandise online, at flea markets etc.
    3. Max out my IRA
    4. Invest an additional $1,000 in the stock market

  48. Bobby September 12, 2010 at 9:27 AM

    Being Canadian, it’s a little bit different, but my goal is a cool million by the time I’m 55 (the earliest I can retire at my current employer).

    I just started a few months ago and I just had a birthday so it’s easier to calculate, if I keep up with the current savings, I’ll have just over a million by the time I turn 55 and that’s with a 6% return.

    Future raises and bonuses will only make it happen sooner.

  49. J. Money September 19, 2010 at 10:31 PM

    Glad to see more people excited about this!! Adding you all to the list now – keep it up :)

  50. FinEngr September 20, 2010 at 1:25 AM

    Need to update the list to include the wifey. Added the badge back on my site, down under the memberships area.

  51. Ginger September 27, 2010 at 5:08 PM

    I would like to join.

  52. Jonha @ Happiness October 5, 2010 at 8:53 PM

    Hi J!

    Ok so I promise that when I get home I will create a pledge that I will be a millionaire on this particular date and how would I be able to reach that rich goal. You are making budgeting and saving sexy indeed!

  53. Nev October 11, 2010 at 3:24 PM

    Stick with it. Just for some motivation, I started in 1996 with relatively nothing to my name, I was always a saver, but would buy stuff that would deplete savings. By 1998 I decided to start contributions to my 401k and get the 3% company match. At that time bad plan with 5% loads getting in an out of funds.

    By 2002 I was doing Roth for myself and my wife and moved to an employer that allowed contributions to vanguard no loads. I continued the maximum 401k contributions and got a 3% match as well. I was really starting to roll. I have a nice 60/40 split on stocks and bonds.

    By 2005 I was out on my own doing contracting pulling in mid 150k a year. I put in the max 401k contributions and did 25% match as per the IRS rules. This really started the cash pilling in. At the same time I was living just like I had been when I earned 75k a year. My thoughts were that the Government, FICA and State taxes are getting a chunk of my money, I should at least be putting away that much in savings myself. And thats what I continued to do. Thanks to the downturn in the economy and subsequent stock market crash I watched the dow plunge to 7500. At that point I started selling off my Bond fund in $2500 chunks and reinvesting back into the s&p 500 vanguard fund. I set up a sell bond fund every 2 days and bought directly s&p500. (note I am now 38 years old and figured I didn’t need bonds yet). This proved to be a great Market Timing move in that I saw bargain so I went shopping.

    Anyway here we are in 2010 and my networth is over $800,000. None of this came from Real Estate or my home that I am now currently living in that is worth about 75k less than when I purchased in 2006. Anyway that is my story, I have just saved every penny I could kept a solid gameplan in the s&p500 and it has paid off very well for me. At the start of 2010 I rebalance my portfolio to pick up a world wide strategy. I have 4 vanguard funds now as follows in fairly even amounts. 1. Total Stock Market Index, 2. Total International Market Index, 3. Vanguard High Yield, 4. Vanguard Total REIT index.

    So keep at it people, this does work but it takes many years to pull off and see significant results. Given I have been doing this now for 12 years even if we have little to no appreciation in the stock market I should still make 1.6 milllion in another 12 years thanks to dividends being reinvested (REIT at purchase was paying 4.8% and High Yield a little over 3%). If I have a nominal 7% return I should be 1.8 million and that should be doable given. Add to that, I am still managing to put around 38k a year away in 401k, IRA’s and Savings I should be at the 2 million mark with ease.

    I estimate I will need 3.3 million to keep the same standard of living I have today, of-course without all the costs of working I am sure I could get by on a bunch less. If I am still working at age 55 (maybe we will have a massive stock market run and I will cash out) I plan on diversifying into the Buckets of Money strategy. This strategy basically pulls off 8-10 years worth of money into a safe cash type bucket allowing the rest to ride in the stock market to give you great gains. Given I would have 10 years before retiring at 65 and leave the bulk of my money invested in stocks that would give a nice 20 year time period for my portfolio to replenish itself. At that time now 75 I could rebalance again taking out another 10 years of cash for living and letting the rest ride until 85.

    Anyway enough ramblings, Just save until it hurts and then save a little more and you will have massive amounts of cash sitting to last you in your retirement years. If I could tell everybody one thing, it is save 25% of your income and never ever buy stuff on credit. (well a house is maybe ok)

  54. J. Money October 14, 2010 at 12:30 PM

    Love the way you think, brotha! Saving till it hurts while young is DEF the way to go :) Very impressive numbers you’re getting up there too! Thanks for sharing with us!

  55. Brian November 2, 2010 at 12:20 AM

    Definitely inspiring; I better get the wheels turning on this one!

  56. Marianne November 3, 2010 at 4:20 PM

    Hi, please sign me up! This is the link to my website, as well as the description of how I plan on making my millions:

    1. Pay off all liabilities by July 31st 2011 (my car loan, remaining balance approx. $13,000)
    2. Save up, buy a Triplex by November 2012
    3. Continue to max out my RRSP contribution and TFSA.
    4. Reel in my spending and make sure I only spend less than 75% of what I earn
    5. Find a side hobby that I’m passionate about and that is lucrative (aka, finally write a novel, which I have been aching to do since puberty).

  57. J. Money November 7, 2010 at 1:06 PM

    Welcome aboard! Great lists to work on :)

  58. John November 9, 2010 at 12:49 PM

    J. Money,
    Could you get me a job where you work? I’d love to have a 100% match all the way up to max contribution.

  59. J. Money November 9, 2010 at 10:44 PM

    Hah! It seems I haven’t updated this in a bit…. work no longer offers any of these sexy benefits (more info here). We’re pretty much your run of the mill company now… b-o-r-i-n-g….

  60. Divas With Cents January 1, 2011 at 1:41 PM

    Put me on the list! I smell a million!! :o)

  61. J. Money January 1, 2011 at 9:59 PM

    Added ya up! When you’re post goes live give me a shout and I’ll link back :) Great way to start the new year!

  62. Jack Crown January 6, 2011 at 12:25 PM

    Here is my plan on how to become a U.S. dollar millionaire.

    I see look away from inflation and only counts when it will stand a million dollars on my account.

    This is based on the values of my stock portfolio as of now and I expect that values will rise by 8.5% each year. I also expect that I will save at least 1,500 $ each month.

    If I manage to get a return of 8.5% on average each year and save 1,500 each month I will have about $ 1,090,000 in 15 years from now.

  63. Barbara Bryn Klare January 6, 2011 at 4:16 PM

    I joined a while back but I moved my blog: it’s now here: upsideofmoney .com. Baby steps, it seems, really do add up. I’m halfway to the goal. Oh yeah!

    1. J. Money January 6, 2011 at 4:24 PM

      Updated! congrats :)

  64. Bigchrisb January 25, 2011 at 10:18 PM

    I’ve decided to join the crowd, and make my own millionaire pledge ( I’m already past $600,000, so don’t have too far to go. Until I achieve this goal, I pledge to:
    1. Pay off my business loan by Feb 2012 (~$4,000/month)
    2. Contribute the maximum ($25,000/yr) to my superannuation fund
    3. Pay all dividends from listed investments onto my margin loan
    4. Pay the dividend component of my pay ($2,700/month after tax) either into my margin loan, or into my investment company.
    5. Pay all periodic profit dividends from my employer into my investment company.

    Doing this, without any return on investment, I will be a millionaire by January 2014, or three years time. If my investments return as expected (5% capital gain on listed stocks, 12% on private company), I will be a millionaire by October 2012. Check back and see if I can do it!

  65. Catherine January 26, 2011 at 12:30 PM

    I’ve joined! :)

  66. Jamie February 2, 2011 at 8:07 PM

    So cool. I’m in!

  67. J. Money February 16, 2011 at 5:37 PM

    Welcome aboard, guys!

  68. Jon the Saver February 16, 2011 at 5:51 PM

    Thanks for the add J. Money! I’m looking forward to getting more involved in the financial blog community and talking money with you! Feels good to be part of the millionaire lub. Keep it real brotha.

  69. J. Money February 16, 2011 at 5:53 PM

    No doubt my man — we’re a happy ol’ family here ;)

  70. Paul Gebel February 27, 2011 at 8:37 PM

    J$ – Found you through Love Drop first, and have been perusing the site for the past hour. The MDC badge is up on my site. Keep fighting the good fight!

  71. J. Money February 28, 2011 at 7:55 PM

    Nice! Thx for stopping by brotha – you have been added to the list :)

  72. Rob. T. T March 6, 2011 at 3:32 PM

    I would like to join the Million Dollar Club. I am a fairly recent college graduate and did very well in school. My degree is a Bachelor of Science in Business Administration. There are two things which will help illustrate the financial difficulty that I’ve been having since graduation. The first, I’ve been homeless for nine out of the past 12 months in two different cities. The second, the best job that I’ve gotten since graduation paid 8.00 dollars an hour. which is only 75 cents above minimum wage. This makes it next to impossible to get ahead, save and invest. I’m not lazy as indicated by the 800 plus applications that I’ve submitted since graduation. My criminal record is clean I’ve never even had so much as a speeding ticket. In spite of all of these difficulties I would like to sign on to see if I could get some inspiration or ideas from the other million dollar club members. As it stands right now I have a negative monthly income so that is my starting point.

  73. J. Money March 6, 2011 at 9:55 PM

    Wow, GOOD FOR YOU man! That is incredible. We welcome you aboard with open arms, sir! :) Click around the other members’ links to see how they’re workin’ towards it. Lots of great ideas flowing, I wish you nothing but success!

  74. Angie March 14, 2011 at 4:32 PM

    I’ve got no blog or website of my own, but I’m totally on board with becoming a millionaire! Our ultimate goal is 3 million. If our net worth grows by only 10% per year, we’ll hit it before I turn 50. I expect that my hubby can retire when I’m 61. Ugh – that seems a long time away (I’m only 35 now). I’m doing this by investing in our Roth 401k, getting it matched in our traditional 401k, paying off our rental and our home, investing in more real estate (after we pay off what we own now) as well as the stock market and basically just living beneath our means.
    Our plan isn’t very sexy, but even after our house value tanked (lost over 1/3 of it’s value since we bought it) and the stock market has been going through it’s roller coaster ride, we’ve still managed to accumulate almost 300k. So I’m ok with being un-sexy :)

  75. J. Money March 19, 2011 at 10:08 PM

    Hell yeah girl! Rock it!

  76. J. Money March 30, 2011 at 6:31 PM

    hahaha… fiftyeleven is my new fave word ;) welcome to the club!

  77. J. Money April 13, 2011 at 11:03 AM

    Nice to meet y’all! You’re now official members ;)

  78. J. Money May 11, 2011 at 5:27 PM

    Haha nice! And so true :) Adding ya up now — welcome to the club!

  79. Amy Lou May 18, 2011 at 2:22 PM

    My plan is to be wealthy enough that I don’t have to work. The cash flow from my investments will pay for my monthly expenses. Right now, I’m one single 32 year old person on a small salary with a little bit of debt. I’ve got my work cut out for me! I’ve always known that there was a better way to live than paycheck to paycheck, and it astounds me that there are people who make $100K plus per year and are broke because they blow right through it. The don’t realize that they could comfortably live on a portion of their yearly salary and use the rest the money to make more money. Duh!

  80. J. Money May 18, 2011 at 3:34 PM

    YUP! A lot of people who make $30k have more in savings than those making $100k+ cuz of lifestyle choices. Though one lifestyle isn’t better than another’s, it just depend on our OWN preference and what you want out of life. I’d like the income stream from my investments just like you ;) And if we focus on that and work our a$$es off, we’ll make it happen!

  81. Nicole Couloute June 12, 2011 at 1:39 PM

    Love your website. Also, I love the “budgets are sexy certificate” I got for signing up for your newsletter. I have it right above my desk where my laptop is so that I can always remember to save and that budgets are sexy. I created a millionaire list and it is at

  82. J. Money June 12, 2011 at 3:40 PM

    Hah! Love it!! :) Going now to check out your list and then adding you up…. well done, my new friend!!

  83. Kelsey Horner June 22, 2011 at 7:55 PM

    I’m joining the Million Dollar Club!

  84. J. Money June 23, 2011 at 7:13 PM

    Cool! Just read your post – You can dooo it!!! It all starts with a plan, baby, and now you’ve got one :)

  85. J. Money June 28, 2011 at 4:58 PM

    done :)

  86. Ginger July 20, 2011 at 1:35 PM

    What happens if you want to update your plan? Do you make another link or just update it on your blog?

  87. J. Money July 21, 2011 at 7:28 PM

    Huh. That’s a good question, actually. I never thought about it before, but now that you mention it I DO need to update this as it’s been outdated now :) I’ll have to think about it for a bit, but I’ll probably end up updating *THIS* post since I like having everything in one spot. And also so I can focus and always be looking at my most current goals. Ever since working for myself 7 months ago, I’ve been on “freeze” mode until I level off here and get used to how things work. I’ll be sure to update this soon though – thanks for making me think about it!

  88. kody July 28, 2011 at 2:01 AM

    Hey J-money! I feel privileged to have that badge on my website homepage. I can’t praise your blog enough, i love every word. I would appreciate it if i could join your million dollar club. Your badge is directly on my homepage. I put it at the top because that is how much i love your blog.. Can you please add a link pointing to my homepage that says Financial Money Tips? Thanks a lot!!

  89. J. Money August 2, 2011 at 2:51 AM

    All set, sir! Thanks for the kind words :)

  90. Kelsey H August 21, 2011 at 3:21 PM

    Hey J Money, can you please update my link? Thanks! =]

  91. J. Money August 23, 2011 at 1:13 PM

    Of course! Adding it up now, my new friend :)

  92. Steve Ryan September 20, 2011 at 4:16 PM

    Hey J Money! I’ve put the badge on my new(er) blog :) I’m happy to join the millionaires club. I’ll see you in the clubhouse (hopefully) in a couple years!!

    Thank you sir.

  93. J. Money September 21, 2011 at 1:05 PM

    Awesome! Will add you to the list my man :)

  94. J. Money September 26, 2011 at 12:13 AM

    Nice to have you on board, Jeff :)

  95. Mistress Susan September 29, 2011 at 5:26 PM

    J, put me down as Millionaire #79. Your logo and information is listed in the left sidebar.

  96. mtxjohn September 29, 2011 at 5:36 PM

    So how is the “employer contribution” of $16,500 yearly working out? I’d like to know who you work for because I think you are misunderstanding most employers will match 3-4% of your pay max. That obvious error in your post erases your credibility. Saving money is easy-not losing sleep over how to invest and protect your capital-that is the hard part.

  97. J. Money October 6, 2011 at 8:00 PM

    @Mistress Susan – Done deal! :)
    @mtxjohn – Well then it’s a good thing I had it right from the beginning. The only incorrect mention here is that I no longer work for my employer anymore, so I’ll def. have to change that. As for the 100% matching of 100% contributions up to $16,500, though, that was all 100% true. I put in $16,500, I got $16,500 right back – no vesting period or anything – giving me $33,000 every year I was there. So I think the “obvious error” here was in your post, sorry. Can’t forget about those startups out there…

  98. mtxjohn October 6, 2011 at 8:45 PM

    Hi J. Money- I’m sorry-matching $16,500?? I simply don’t believe you. No business I’ve ever heard of does this. I’m not a kid, I’m 36 and I work for one of the biggest financial institutions in the USA. You need to add some detail here as I’m calling BS on this. PLEASE PLEASE PLEASE anyone who has this setup chime in. And tell me what company does this. The only possible scenario I can imagine this happening would be a business that was run by people who had no idea how matching works…or if you made like $500,000 a year.

  99. J. Money October 6, 2011 at 8:51 PM

    Or if you work for a startup making millions of dollars and whose CEO really wants to keep their employees. Which they did, until they went bankrupt and are no longer around. Because they were bad managing their money (and giving us sweet deals, I imagine). It doesn’t matter whether you believe me or not cuz I can clearly see the money in my bank :) This post is made to help motivate people to become millionaires – with whatever options they have available to them. If people don’t trust me, they won’t join us – that’s fine. This site isn’t for everyone.

  100. mtxjohn October 6, 2011 at 9:19 PM

    Hi J Money-no, that makes sense. It makes me want to throw myself in front of a train-but it makes sense. Thank you for your help.

  101. J. Money October 6, 2011 at 9:29 PM

    Sure :) But keep this in mind — the start up went under. If I didn’t save all my pennies I’d have been in trouble when I got laid off. So sometimes more “normal” corporate gigs pay off in sanity over money.

  102. Richard Adams December 5, 2011 at 3:45 PM

    Keep up the great work, and we added a link to your site at:

    We will all be millionaires soon enough!

  103. J. Money December 6, 2011 at 1:29 AM

    Saweet, thx! If you end up writing a post on how you’ll achieve it, let us know :)

  104. John December 7, 2011 at 7:37 PM

    Hey J$,
    I want to jump on the bandwagon and join the coolest club around. Here’s my Millionaire List   

    P.S. Sorry for the copy/paste fail

  105. J. Money December 9, 2011 at 12:11 AM

    Added up! Stick to it now, okay? :)

  106. J. Money December 15, 2011 at 4:16 PM

    Great! Adding you up now… I liked your “Build other streams of income and make them consistent.” – I think that’s key. If you can continue doing that, and ramping it up over the years, you’ll hit your million in no time :) Keep it up!

  107. Long December 22, 2011 at 11:23 AM

    Hi J,

    I enlisted in the Million Dollar Club! My list can be found at my site:

    Thanks for the inspiration! Writing it down will help me refer to the pledge in writing and keep me accountable. Not only to myself, but everyone who reads it too!

  108. J. Money December 27, 2011 at 1:04 PM

    Yes, exactly! Writing it down is SO GOOD for you and your goals, keep on working towards them! Gonna go add you up right now :)

  109. cameron cohen January 8, 2012 at 5:48 AM

    hi, i am 14 years old and have been working with a network marketimg business and made about 60,000 this year , i looked up how to make a million dollars just for fun and stumbled upon this , i think what your trying to do is awesome and i would love to join your group to be a millionare before i could drive (thats the goal) so count me in !

  110. J. Money January 9, 2012 at 10:25 AM

    Wow, haha… you’ll have to tell us what it’s like when you get there cuz you’ll be the first to reach it ;)

  111. Penny January 14, 2012 at 8:06 AM

    $60k at 14 years old? That kid must be a killer marketer!

  112. J. Money January 14, 2012 at 11:33 AM

    I can’t tell if he’s legit or not ;)

  113. Shondell January 17, 2012 at 4:49 PM

    Okay, so I just discovered this club.I love it! I am definitely on my way to million dollar status. Especially with the help of my fellow bloggers. I just paid off my mortgage and want to make sure I stay on the right track to become a millionaire. I will create my list and post it on my blog.

  114. J. Money January 19, 2012 at 3:20 PM

    Wowww, congrats! Paying off your mortgage is HUGE! And usually the biggest part of wealth management. Congrats!! Going to add you to the list now – you rock.

  115. BE @ BusyExecutiveMoneyBlog February 9, 2012 at 12:40 PM

    J Money. I’m on board the millionaire club! New post up at the busyexecutivemoneyblog.

  116. J. Money February 10, 2012 at 3:40 PM

    Welcome aboard! I want to hear about those 3 passive income streams too when you find them – I can always use some great ideas ;)

  117. Jai February 11, 2012 at 11:53 PM

    Sign me up! I’ve been thinking about blogging my journey to becoming debt free and becoming a millionaire.

  118. J. Money February 13, 2012 at 9:38 AM

    Great! I’ll add you on it :) Be sure to send me the post if you end up starting that blog so we can add it up and keep you motivated! Good luck!

  119. Obodden March 13, 2012 at 10:10 AM

    Add me into the club- This is an excellent idea. Great read !

  120. J. Money March 14, 2012 at 10:48 AM

    Awesome – will do :) Let us know when you have the post written, and I’ll link back to ya too. Welcome aboard!

  121. Victoria March 22, 2012 at 10:57 PM

    I’ve made my list and it’s posted and I am ready to be a part of the club!! Add me on J Money :)

  122. J. Money March 24, 2012 at 11:28 AM

    Awesome! You’re now added up my friend – thanks for linking back and for adding the badge in your sidebar :) Glad you’re excited about it!

  123. Mikayla June 14, 2012 at 3:14 AM

    Dang it! you found my weakness! I love lists…I love lists, listy, lists, lists…here it goes down…
    But I guess there are worse lists to be on sooooo here it goes:
    I pledge
    1. To get out…nay CLAW out…of all of my revolving debt and never be stupid enough to get back in (I project 14 months to completion at my current sexy budget)

    2. To save till it hurts every month no matter what

    3. To educate myself about ways to make my money work for me (my piggy bank from when I was five is apparently not the smartest savings plan)

    4. To be more tolerant of people who use your and you’re interchangeably with wild abandon… that won’t make me richer obv., but at least they’ll stop replying “your a b$#@!” just to aggravate me… I promise to start right after I holla at cameron cohen $60K
    That’s it J dawg list me up!

  124. J. Money June 14, 2012 at 10:05 AM

    You have officially been Listed! Welcome to the club, soon-to-be-debt-free!!

  125. J. Money July 4, 2012 at 4:11 PM

    Awesome! Here’s to all of us accomplishing it one day! :)

  126. Zach July 20, 2012 at 4:22 PM

    Quick question on how to properly calculate this on the millionaire calculator:
    I assume this is talking net worth and not like 1 mil in cash in accounts. So in the field for “amount i have in a taxable account”, should I put my cash accounts sum or should that be my current networth? It seems like cash account sum would not take into account my real estate values/mortgages. That being said, I’d much rather put in the cash, cause it’s way higher. ;)

    Thanks, Z

  127. J. Money July 24, 2012 at 3:49 PM

    Haha, Cash it is then! ;) But yeah, you bring up a great point – this calculator only takes into consideration cash and stocks/investments etc and not any types of real estate or other investments that aren’t in any “accounts.” Though I suppose you can just enter these extra things in one of the sections there in the calculator if you know what the $ number is so it’ll more accurately tell you your time? (Like, just add it on top of another taxable account there and pretend it’s all mixed in). Either way though it’s great you have outside investments and a property that’s not underwater like your truly! ;)

  128. Oyinda September 14, 2012 at 5:39 AM

    If I dont have a blog can I still join the list?

    1. Find a great pension fund
    2. Save at least 10% of what i earn
    3. Sell or donate all unused/ unwanted items (clutter is stressful)
    4. Start negotiating better deals in all purchases
    5. Be consistent with work and in my other side business’
    6. Only use my credit card to improve my credit score (so pay off all outstanding asap)

  129. MB @ 12 Year Career September 15, 2012 at 2:52 PM

    I’m in!

  130. J. Money September 16, 2012 at 9:47 AM

    @Oyinda – Nope! Welcome aboard! 10% savings would be a great start :) Just make sure to put hard numbers down for the rest when you can so you have something to compare your results too – I find that’s pretty important and helps you stay on track more.
    @MB @ 12 Year Career – Oh man, if you can increase passive income to 50%?? Wow. That would be hot!! The gift that keeps on giving!! :)

  131. J. Money October 10, 2012 at 10:30 AM

    Welcome aboard guys! It’s nice to be surrounded by more future millionaires :)

  132. J. Money October 19, 2012 at 6:08 PM

    It’s never too late! Welcome aboard, my new friend :) And sure – if people keep me updated I’d be MORE than happy to pimp them out! That would be great!!

  133. Caitlin December 14, 2012 at 11:16 AM

    I know I am kind of late to the game but I would love to join!

  134. J. Money December 17, 2012 at 1:31 PM

    Cool! Would love it if you did :) Post up your millionaire to-do list on your site and then let me know and I’ll add you in! Woohoo!

  135. Lena @ WhatMommyDoes December 31, 2012 at 2:59 AM

    My pledge is now live! Great idea to make a specific actionable list. Can’t wait to see my name on the official list.

  136. J. Money December 31, 2012 at 10:36 AM

    Congrats! Going now to add you to the list :) Happy New Year!

  137. Lena @ WhatMommyDoes January 1, 2013 at 2:16 AM

    Hey J! I am dying to know how you created those badges and codes for the Million Dollar Club! I need to create one for a New Year’s challenge, and I thought I had it worked out, but apparently I don’t! Does someone do this for you or do you know of a simple program/website for this?

  138. J. Money January 2, 2013 at 10:48 AM

    Hey Lena :) I have a background in graphic design so I just did ’em up myself. I’m sure there ARE some great templates out there though if you Google hard enough? I have some friends that do it on the side too for some money, so if it’s worth paying a little I can pass along their info to you? Just depends on how important these are to you and your budget :) Shoot me an email anytime: j @ budgets are sexy .com. Happy new year!

  139. jim January 3, 2013 at 8:48 PM

    I’m paying off my mortgage in 3 years. By January 1, 2016 I will be completely debt-free (barring any unforeseen catastrophes). Shortly thereafter I will be a millionaire. I’d like to join, but I don’t blog – is joining still possible?

  140. J. Money January 4, 2013 at 12:08 PM

    Awesome!!! Those are great goals, my friend – of course you can join :) I’ll go now and add up your name – you’ll be member #99, woohoo!

    Keep fighting the good fight.

  141. RevenueKing January 6, 2013 at 11:12 PM

    What’s up J money! I just turned 18 in December and would like to join your million dollar club! I am not much of a blogger but would still like to join! I plan on saving every single on off my paychecks since I live at home still.

  142. J. Money January 8, 2013 at 11:00 AM

    There you go! An excellent plan, my new friend. Welcome to the club :)

  143. QueenHajar January 30, 2013 at 4:31 PM

    Hi J. Money, very nice to see you have created a club for Millionaires!
    Can I post your link on my Blog?

    PeaceLovJoy, QueenHajar

  144. J. Money January 30, 2013 at 7:41 PM

    Of course – go for it! I hope you join the club too :)

  145. Tarragonisntjustaspice February 24, 2013 at 10:19 AM

    I happened upon your site. I’m so close to paying off my car – then my plans are to. Work on both mortgages. I need to also save more in 401k as I’m in my 50’s. I’m still struggling with adding more to my 401k or paying more on my mortgages. Would love to join the club.

  146. J. Money February 25, 2013 at 3:31 PM

    Sounds good to me :) It’s def. hard to stay on top of this stuff 24/7, but if you keep pushing hard you’ll accomplish it all! Adding you now to our Millionaire List – welcome!

  147. Jeremy @ My Financial Road April 4, 2013 at 3:08 PM

    Better late than never I suppose! Sign me up J Mo!

  148. Abbie Stokes April 18, 2013 at 5:23 AM

    A stubborn, but willing Ms. Stokes here!

    Not sure if I’ll ever have the time to achieve anything like this – I’m not even sure what I should pledge.

    All aboard and all that jazz…I guess!

    Abi x

  149. J. Money April 19, 2013 at 1:40 PM

    Welcome to the club, guys! Make sure to write up a post on your list so I can link back to it and you can hopefully stay motivated! :)

  150. @debtblag April 24, 2013 at 10:19 AM

    Ooh. This is intriguing… I’m totally in.

    I imagine I’m starting in a hole that’s as deep as anyone’s out there, but I’m aggressive about climbing out

  151. J. Money April 26, 2013 at 2:42 PM

    Cool, I’ll add you to the list then! Make sure to hit us back w/ your to-do list once you blog about it :)

  152. bigchrisb April 29, 2013 at 12:04 AM

    Hi J.Money,

    Just a follow-up post – after making this pledge a couple of years back, I’m proud to say that I’ve achieved my million! Thanks for a bit of inspiration, and have a look at the blog ( for a run-down on how it happened.

    1. J. Money April 29, 2013 at 5:33 PM

      Wowwww look at you!! That is incredible! We’ll def. see if the 2nd million is easier now, haha… I’m gonna write up a new post about this club and see how everyone else is doing too – or IF they even read this blog still! :) I’ll have to announce to everyone you’re the first one to make it too – woohoo! Rock on my man, this is some most wonderful news.

    1. J. Money May 6, 2013 at 9:09 AM

      Awesome! Way to go paying off your house already, that’s really incredible. Going now to add you to the list! :)

  153. Zimmy May 7, 2013 at 5:53 AM

    Thanks for giving me some ideas on where to start saving for my million. I will have to think about a plan before joining the club.

    1. J. Money May 7, 2013 at 5:26 PM

      Yeah dude, put it all down on paper and see what it looks like. You can always tweak it as time goes on – I do it every couple of years myself. In fact, I need to do it again as those above are now old!

  154. Anton Ivanov | Dreams Cash True May 17, 2013 at 12:25 AM

    An awesome, inspiring project! I’m making the following pledge to join The Million Dollar Club:

    > Achieve $100,000 annual income from my financial company
    > Bring up my monthly investment contribution to $3,000 ($36,000 per year)
    > Contribute an additional $5,000 to my emergency fund
    > Continue growing and improving my equity and real estate investment portfolios

    I have also just wrote about my pledge on my website:

    1. J. Money May 20, 2013 at 10:59 PM

      Damn, son – that sounds great!

  155. Paul May 20, 2013 at 9:59 AM

    My current estimated net worth is approximately $193,000. I am following Dave Ramsey’s Baby Steps and currently working on Step 2, getting rid of all debt except the mortgage. I currently own two houses and plan on selling one of them this year, which should allow me to pay off my debt and give me a good head start on Step 3, a 3-6 month emergency fund. I should be able to start saving in earnest in 2014. I am currently going a little against Dave’s advice and investing 5% of my gross income from my main job, but I do get a 2-for-1 match! Selling that house will reduce my net worth by about $30K, but I really hate trying to manage a rental property from over 1000 miles away. Once I complete Baby Step 3 I pledge to do the following:

    1. Invest 15% of my gross income
    2. Continue living with our means

    I used Dave’s calculator and estimate I will be a millionaire in 2029, using a conservative 6% return rate. I’m not saying how old I’ll be then, but I will not have reached retirement age ;)

    1. J. Money May 20, 2013 at 10:58 PM

      Awesome plan!! I like that you’re going against some of his stuff too, haha, but seems like it makes sense :) Welcome to the club!

  156. Alex May 20, 2013 at 11:40 PM

    Dang, I need to get a website like all the other studs up there. In any case, I want in. I hereby swear to CRUSH the following goals:

    1. Demolish all student debt (technically accomplished, but a significant past effort no less)
    2. Max out 401Ks and Roths for both myself and the wifey every year
    3. Move to a more affordable location (not LA) within 3 years and purchase 2 properties.
    4. Cut expenses so that at least 50% of after tax income is saved/invested.

    My conservative excel file says 10 years, but I’m hoping for better results. Time to get to work on #4!

    1. J. Money May 21, 2013 at 3:11 PM

      You can be 80% studly at least for now since you have that list ;) And a great one it is – esp #2 (retirement accounts are my favorite). It also helps blogging it out to the world to see and hold you accountable, so do let us know if you ever start one and I’ll help promote it. Maybe it’ll randomly become your full-time job one day too?

  157. Leona June 17, 2013 at 12:28 PM

    Hi J,

    Love the post! My list include:
    -Pay down my mortgage (something extra on the principal every month)
    – Increase stock portfolio (just started a separate investment account)
    – Find ways to increase emergency fund (just started last month)
    I’ve started a new blog in April about becoming financially free through investing, working and exploring passive and portfolio income. Please add me to your list and check out my blog at

    1. J. Money June 18, 2013 at 9:29 AM

      Congrats! I hope the blog (and your money) continues to grow and make you happy :) They’re two of my fave things!

  158. Anne June 26, 2013 at 10:21 AM

    Hi J. Money, could you please add me to the list? I’m starting out early (I’m in my early 20s) but want to commit to this. I’ve just started my career in the UK, and am in a good starting position with no student debt. My steps are:

    1. Take advantage of my full Cash and stocks and shares ISA allowance annually (£11,520+);
    2. Use the first £25k of those savings as the deposit on a house so that I can stop paying dead money toward rent (goal: to purchase 2/3 years from now);
    3. After my house purchase, I will continue to invest a quarter of my income (my portfolio will be focused on ETFs, income funds, and some shares in bluechips while the market is down);
    4. Look to pick up a rental property 2/3 years after I purchase my home;
    5. Continue to contribute 5% of my income to my pension (employer meets it with another 5%) and then re-assess when I hit the higher tax bracket;
    6. Re-assess my income against the market for my role every two years to ensure that I am not becoming complacent;
    7. Visit a tax advisor to ensure that I am organizing my finances as efficient as possible in 5 years (when it will be more useful to me.).

    I want to achieve this before I turn 35!

    1. J. Money June 26, 2013 at 12:49 PM

      Nice! Geez, you’ve really put a ton of thought in this – I’m impressed :) Congrats on the start of your new career too – so exciting! Welcome aboard the club, new member!

  159. EJ August 14, 2013 at 10:02 AM

    Hi J Money I read recently about a group of bloggers all with the same goals ( eg to make a tonne of money) all write a post outlining each others articles month to month. Eg if i were in a group of ten, one week I would share the links to all the weeks post from my group on my page to engage my regular readers, and the next week another member of the group would do it for their readers to help bring more readers to each others pages and help each other to reach their goals. Do you know of anything like this or are you potentially able to run something like this? Maybe of people in the “millionaires club” and we can potentially have regular emails/updates on what everyone is doing to achieve their goals? (or maybe i have missed some other information and this is already happening somewhere. I can see we have some updates but it would be great to have it a bit more personal?) I want to learn from other bloggers etc but find that some people I follow aren’t as interactive as yourself so it would be great to get involved in a group of people that all share the same goals and can help each other out. Thoughts? Also any tips on writing my millionaire club pledge? I feel like mine is too simple, eg eliminate loan, eliminate mortgage, enter competitions, successful blogger, etc etc.

    1. J. Money August 14, 2013 at 11:01 AM

      Hi friend :) I honestly think that’s a great idea, just don’t have the time over here to put it together and run with it. Maybe you can start it and reach out to some folks and gauge their interest? Having a place everyone can go for support and motivation is always great – especially the more engaging it is.

      As for your own millionaire club list, my best advice is to be as detailed about the numbers as possible. Example: instead of saying “I’ll save more” put down, ‘I’ll save $100 a month” or whatever it is. So you can track it and hold yourself more accountable. It’ll be lower early on, but as time goes on you can adjust and edit the list. And of course still have some more vague ones too if you want. Pretty much whatever gets you to stick to it and work on things :)

  160. EJ August 14, 2013 at 10:06 AM

    Anne, how on earth did you get so level headed in your early 20s?

    1. J. Money August 23, 2013 at 9:39 AM

      Added up!

    1. J. Money September 13, 2013 at 4:20 PM

      WAY TO GO!!! You’re Millionaire #2 on the list who’s made it now – you’ve been upgraded from #40! Haha… Really really good stuff my friend, it inspires all of us :) If you ever want to post about how you made it there, you’ve got an open spot!

    1. J. Money October 23, 2013 at 11:20 AM

      Welcome aboard, my friend! It was a pleasure meeting you in person too last week :)

  161. James October 28, 2013 at 10:53 PM

    J – just wanted to toot the horn a little bit here. The wife and I broke the millionaire mark. Thanks for all the inspiration!

  162. J. Money October 29, 2013 at 10:13 AM

    Awesome man!! You were the very 1st member of the Millionaire Club too! Haha… so cool!! I’m gonna have to blog an update on this to congratulate everyone – you guys are killing it!

  163. Mel November 2, 2013 at 5:30 PM

    I am totally up for this. The CNN calculator just informed me I will be 70 when I hit the millionaire mark… that totally seems like a number I can knock down. My final student loan check is going out in two weeks, so I need a new goal anyway.

    1. J. Money November 3, 2013 at 12:10 PM

      Awesome!! Congrats on sending in the final payment – that’s great :) I’ll go and add you to the list of members now, and then whenever you add up a blog post about it I’ll add that in as well.

      Welcome to the club!

  164. Izzye G November 11, 2013 at 4:19 PM

    Love this website thank you!! Can you please add me to the Millionaire’s club!!!


  165. J. Money November 11, 2013 at 4:57 PM

    You’re now a member – congrats! :)

  166. Deacon November 19, 2013 at 2:52 PM

    I love the idea of helping people make their goals public as it is a great source of accountability to make them happen. Our strategy is to pay off our current mortgage on our condo, turn it into a rental and buy a second house in the next five years. At the same time investing any extra cash in the stock market, primarily index funds/mutual funds. Thanks for adding me to the list!

  167. S Dot November 19, 2013 at 4:36 PM

    Please add me to the Millionaire’s club.

  168. J. Money November 19, 2013 at 5:05 PM

    You guys are now on it! Good luck!! :)

  169. Fiona November 21, 2013 at 5:08 AM

    Am a new reader of this blog but no so new some of the member blogs..I would love to join,please add me.

    1. J. Money November 21, 2013 at 7:51 PM

      Welcome to the club :)

  170. Kirby @ TheSimpleMoneyBlog November 24, 2013 at 5:02 PM

    We’re working toward that goal too! We plan to get there with a combination of watching all of our expenses closely, saving, and investing wisely.

  171. J. Money November 26, 2013 at 1:38 PM

    Great! Both of y’all are now on the list – welcome! :)

    1. Kirby @ TheSimpleMoneyBlog November 26, 2013 at 6:13 PM

      Woohoo! Thanks!

  172. Jessi November 30, 2013 at 2:32 AM

    Hey J money. I would like to be added to the millionaire club :)

  173. J. Money November 30, 2013 at 1:08 PM

    You’re now on it too :) Happy holidays, my brotha.

  174. Jessi November 30, 2013 at 9:23 PM

    Hey J money, . I  want  to reach the millionaire club by playing it smart and saving as much as possible! I believe I have a good plan on how to achieve that goal.  I am 25 yrs old and I am putting as much as I can into retirement accounts.  Currently 15% into my company’s 401k and another $100 bucks per pay check.  My net worth is at 50k soon to be 55 in the beginning  next year thanks  to a nice bonus. I try  to save as much as possible each paycheck! My goal is to be at 1 million net  worth in the next 15 years. I have invested in my education  and have a bachelor’s degree in business administration and I am working extremely hard within my company to work my way up! I eventually want to be the CEO of my financial institution where I’m currently working at. Please reach out to me when you get a chance. Take care. Jessi @jessi_413

    1. J. Money December 24, 2013 at 8:36 AM

      Awesome dude – you’re well on your way too! Especially at only 22, my word. You’re doing better than 99% of everyone else your age, so congrats :)

  175. Flori December 22, 2013 at 2:45 PM

    Hi J. Money,

    We don’t have a blog or website, but I’d like to be added to your list. I’m 40 and my husband is 44. This can be done! I had my first kid right before my 18th birthday in 1991. That child just finished college in May 2013 (of which we paid for). So despite having some real financial obligations early in life, it’s 22-years later and we are going to have $1M net worth sometime in the next few weeks. We currently have a net worth of $979,000. Our long-time goals are:
    Jan 2014 – Net worth $1M
    Jan 2021 – Net worth $2.75M; house paid for and 2nd kid graduates college that year (we’ll help pay)
    Jan 2030 – Net worth $5.25M; and last kid graduates college that year (we’ll help pay)
    June 2034 – On my husband’s 65th birthday, we’ll retire. I’ll be 61. Our goal is to have a net worth of $6.5M.

    How did we do it??? We diligently save 20% of our income and live way below our means. In our 20s, our goal was to have $100k each in retirement before we turned 30. Now our investible assets make more money for us than our annual incomes. It can be done!!!!

    Great website!!!

    1. J. Money December 23, 2013 at 3:18 PM

      “Now our investible assets make more money for us than our annual incomes” – Wowwwww that’s incredible!! And talk about putting things in perspective! Thanks for stopping by and saying hi – have a great holiday :)

  176. Franklin B January 16, 2014 at 8:21 PM

    Hello J,
    I achieved escapevelocity in 2002 when I paid off my mortgage for my 40th b-day. Paying it off 7 years early saved $90K of interest payments to strangers at the bank. The next month, I set up a brokerage account and automatically sent my previous mortgage amount into an Index Fund. I stopped in 2008 when I lost a decent job and the market melted down. The feeling of freedom and liberation of not having a mortgage is indescribable.

    I did it the old fashioned way, documented our spending, saved 35% of net pay each year and maxed out the 401K when possible. First Million (with the house) was realized at age 44.
    BTW, the $90K in interest savings funded my youngest kids college costs. 2 more tuition payments to go.
    Currently working on the next million.

    Value 12-31-13
    Total $1,538,328
    Liabilities None!

    1. J. Money January 17, 2014 at 2:36 PM

      Nice job, brotha! Love that you’re reaching for $2 million now too – will add you up on the list per your email to me… Then you can tell us later if reaching that 1st Mil really WAS the hardest! ;)

    1. J. Money January 23, 2014 at 11:05 AM

      You can never be too late – welcome aboard! Will go add you up right now :) Congrats on making an *actionable* plan!

  177. Mama Breeze February 3, 2014 at 11:03 AM

    Hey J. Money. Love your Blog. Please feel free to add me to your Millionaire Club list. Like you we have had to make adjustments as life changes [Hence our Blog, Following Life’s Breeze], but we plan on going from Bankruptcy to Millionaires in the next 5-6 years!!! Here’s to the 1st Million by 2020!

    Mama Breeze

    1. J. Money February 3, 2014 at 4:44 PM

      Woah! That would be quite the turnaround! Will have to follow along your journey and see how you’ll be accomplishing this :) If you write a post on it and mention our Millionaire club, I’ll link to it directly above w/ the others!

    1. J. Money February 22, 2014 at 8:21 AM

      Hey Ginger! It’s been a few years, eh? Glad to see an updated list and goals over there – congrats on the new job :) Going now to update your link to your most recent one – have a great weekend!

      1. Ginger February 22, 2014 at 9:05 AM

        Been quite a few but progress is happening, which is always a good thing. :)
        Thanks for updating the link.

        1. J. Money September 15, 2014 at 12:35 PM

          Haha nice! I’ll update the list w/ your new article – keep on going! :)

  178. MITM February 23, 2014 at 9:57 PM

    Hi J. Money. I just found your blog and am loving it. I’m on the same path to have a million by about 43. Hopefully sooner but I have a plan and am working it. I embedded your badge at

    Is there anything else I need to do to get on the list?

    1. J. Money February 24, 2014 at 6:17 PM

      Nice! And you’ve found a way to include “naked” in your blog name too – that means we’re automatic friends now ;)

      Going now to update the list – you’re a new member! Tell all your friends how cool you are now!

      1. MITM February 26, 2014 at 7:43 AM

        Yeah, with both “Naked” and “Sexy” somewhere on your site, either you’re going A.) Get censored or B.) Get *tons* of traffic! … hopefully B!

        1. J. Money February 26, 2014 at 10:42 AM

          Indeed… I’m always hearing of new places my site won’t show up at (gov’t buildings, libraries, haha…). But hopefully that makes people want to go see it even MORE. You know, the whole “I’m not allowed to, now I really want to do it!” type deal ;)

  179. Shannon February 27, 2014 at 12:49 PM

    Add me to the list! “Shannon” I am 37 years old. My husband (age 35) and I are set to have our first million in about 3 years in 2017 (if all things stay constant – savings and job stuff)! That will be actual savings, not net worth. I’m already dreaming up of how we can celebrate – privately of course. The half million mark came and went without much thought other than I just said, “Hey we’re half millionaires right now!” I find that this topic is not really something you share with friends and family. People either think you’re showing off, should be paying for their meals because you’re loaded, or just feel really badly about their own situation.

    1. J. Money February 28, 2014 at 6:05 PM

      Wow! Is that all in cash or also investments too? I hope all that money is hustling for you and growing it fast! Amazing work over there – you guys are on fire :)

      Adding you up now – welcome to the club!

      1. Shannon March 1, 2014 at 11:28 AM

        Thank you! That is a good chunk in investments – Roths, 401as, 403bs, 457bs and HSAs. We have two years worth of spending as couple, and found we can throw a little extra at the mortgage or start re-contributing to the 403b for tax deferring benefits. We have not decided yet what to do. Paying off the mortgage may be that pre 59.5 years of age plan we were still trying to figure out. I like your mortgage-killing plan!

        1. J. Money March 4, 2014 at 5:49 PM

          I like your savings/investing plan! :)

          1. Shannon August 10, 2016 at 3:28 PM

            Just wanted to update (because really where else can I say this stuff!)

            8/10/2016 – we finally hit $1M+!!!!!!

            I actually thought it would happen in 2017 (per my comment above), but we opened a few more pre-tax accounts since then, so here we are!

            This is just in retirement (HSAs, 403bs, 401as, 457bs, Roths, & IRAs). Net worth was over $1M for a while, but I wanted to declare it when just the savings was $1M! I just turned 40 and my husband is 37 (until Friday that is). Wahoooo!

            RE: mortgage: refied with a 10 year a while ago, but no extra payments. We probably won’t live here forever.

            1. J. Money August 10, 2016 at 4:24 PM

              Way to go!!! So incredible and inspiring – congrats!!! You know we love hearing all this stuff here! :)

  180. Mr Ikonz February 28, 2014 at 5:13 AM

    What an amazing idea. Very similar to the model I built when thinking about how to become a millionaire.

    I’m going to construct a list myself and upload.
    I know some people won’t be keen to share their net worth, but I’m happy to update mine every month!

    1. J. Money February 28, 2014 at 6:06 PM

      Shoot me over the link once it’s live! I’ll go and add you to the list now and then update it later once I see it :)

      Here’s a net worth tracker I started last month amongst all us bloggers too – if you’d like to join it just shout:

  181. No Nonsense Landlord March 15, 2014 at 2:33 PM

    My goal is to have 1M by 12/31/14, in liquid investments, 401K, IRA, cash accounts. I am already well over 2M in net worth, but the 1M liquid is what I am looking for.

    Sign me up!

  182. J. Money March 19, 2014 at 3:32 PM

    Welcome aboard, friend :) That’s a great position to be in!

    1. J. Money April 14, 2014 at 3:53 PM

      Love it – way to be specific too, especially on those first goals :) Welcome to the club!

  183. J. Money June 21, 2014 at 8:50 AM

    Yeah you are! Lovin’ your list too, esp that #13 ;)

    Welcome aboard good sir! Always nice being around good company…

  184. Ndy July 23, 2014 at 9:45 AM

    Hey J. Money. Can you please count me in? I read and follow your blogs (Budgets are Sexy and Rockstar Finance). I like this idea of joining the Millionaire club. I started from zero and I’m so determined to get to that first million. As at January, 2013, our net worth (my wife and I) was in the red (-$2,000). My first introduction to personal finance was Dave Ramsey. Since then, I’ve read so many books, joined and follow many PF bloggers like you (eg MMM). We’ve been working hard since then. This is how I intend to cross that million dollar target:
    1. Live a minimalist lifestyle
    2. Max my Roth IRA every year
    3. Max my wife’s Roth IRA yearly
    4. Invest to the possible maximum in my 401K
    5. Taxable investments for extra cash
    6. Save >75% of all raises in income
    7. Earn high income (we’re both primary care docs, wife still in residency)
    I’ll be doing all that while saving for a home down payment, beefing up our emergency fund and having some other savings buckets (car fund, vacation fund, etc)
    I track our finances and net worth monthly with both Personal Capital and Mint. As at July, 2014, our net worth is now at $106,000. I anticipate it will take us another 10 years to get to that first million.
    Thanks for your wonderful blogs and for keeping us inspired and motivated!

    1. J. Money July 26, 2014 at 8:22 AM

      Wow, nice man! You guys jumped $100k in a year and a half – that’s incredible! I’ll go and add you guys to the list now – welcome aboard :)

      Also, you might be interested in the site too: All about managing money and building wealth specific to doctors.

      Thanks for stopping by!

      1. Ndy July 28, 2014 at 10:18 PM

        Yes, I follow and also follow his contributions on I’ve also read his recent book, titled after his blog. I’m all gung-ho about personal finance. I started late (at age 36) to manage my finances and contribute to retirement accounts and all. So I’m kinda trying to make up for lost time…

        1. J. Money February 28, 2015 at 3:30 PM

          A magnificent plan!

  185. Guillaume July 28, 2014 at 2:55 PM

    Hi J Money

    First, great job on the various websites and blog you got. I’m a big fan. I thought I would get my feet wet and commit to this million dollar club. I am 36 years old, living with my girlfriend and our 4 year old son. We are a 1 income family (mine) , I run my own accounting and tax return business here in Canada. I make around 120,000$ after tax and I save 50% of that amount , mostly in the stock market. I am at risk of having significant fluctuations in my income (mostly down as I do not wish to work more).

    My net worth is currently almost 500K, with 300K in financial assets and 175K equity in my home, for which I only have 26K left on my mortgage.

    My current annual spending exlcuding mortgage payment is 48,000$. My wife is not so much a frugal person but we manage OK and compromise on certain expenses. Figured I’d need around 1.2M$ to be financially independent.

    My plan is to be a millionaire in financial assets (excluding home) by 2022 (8 years). I will reach this goal by :

    1) Paying off my mortgage by July 2016
    2) Keep investing 60K per year and when mortgage paid off, bump to 70K.
    3) Keep my Mazda 3 2008 for another 6 years. Never buy a new car again and pay cash for next one.
    4) Track all my expenses with and stay within budget
    5) any extra income is invested.
    6) Remain a balanced individual and spend lots of time with girlfriend and family and travel with them once a year for 1 month.

    Retire at age 45 , except for occasional work during tax season that is not too stressful and is very well paid.

    I’m confident this is doable!

    1. J. Money July 30, 2014 at 7:21 AM

      Rock on man! I guarantee it’s do-able at a 50% savings rate like that! Esp at your income and level of expenses – that’s not too shabby at all. It’s going to feel GOOOOOOD when you’re house is paid off on top, that’s incredible.

      You’re now a officially a member of our club – thanks for stopping by and sharing! Love hearing others’ stories on freedom – 8 years away is pretty awesome sounding :)

    2. Cody Wheeler @ Academy Success August 15, 2014 at 11:41 PM

      Nice plan! I have the same car, except 3 years older. Love my Mazda 3. Just hit 123k and she’s still going strong. I’m hoping to get another 5 years out of her at least.

      Love your strategy man. Keep up the great work.

    1. J. Money August 19, 2014 at 1:49 PM

      You’re now on the list, brotha! Time to rock n’ roll!

    1. J. Money October 29, 2014 at 1:43 PM

      Welcome to the club, good sir.

    1. J. Money December 11, 2014 at 8:58 PM

      You’re on the list :) If you end up making a Millionaire Pledge, let me know and I’ll link you to it.

  186. KKH December 19, 2014 at 3:17 PM

    I’m 40 years old with a net worth of 2k. Any chance I can make it?

    1. J. Money December 20, 2014 at 1:09 PM

      Oh, yell yeah! There’s always a chance to make it, especially if you’re only 40. Just means you gotta get started ASAP and make it a priority. AKA you have to want it bad enough ‘cuz it’ll take some work!

      1. KKH December 21, 2014 at 5:58 PM

        Thank you for responding Mr. J. I just need to convince my significant other of the importance.

        1. J. Money December 23, 2014 at 12:22 PM

          Ask him/her if he’d rather work for the rest of his life or have 24 hrs/day to do as he pleases :) It’s usually easier to stay motivated when you attach a goal/dream along w/ it.

  187. Darlene December 30, 2014 at 10:41 PM

    1.) Follow Dave Ramsey’s baby steps (2-4 years)
    -save $1k
    -debt snowball
    -save for retirement
    -save 6 months expenses
    -max out retirements each year
    2.) Learn how to invest (will do continuously during step 1 process)
    3.) Save money to invest/invest it
    4.) Continue to live sustainably
    5.) Further career each year, own my own business
    My list is not too detailed yet, but as I continue to learn and grow it will become more specific and well planned. I am halfway through baby step 1 right now.

  188. Teresa January 13, 2015 at 12:37 PM

    Please add me to the Millionare Club

    Teresa’s Millionaire Plan

    Continue to followDave Ramsey’s plan to become debt free- 2 years
    Pay house off- 3 years
    Max out my Roth 403b- $18,000/yr
    Save an additional $25,000/yr to invest
    Millionaire by age 50 (7 years)

    1. J. Money January 31, 2015 at 8:43 PM

      Love it, Teresa! You’re now officially a member :)

    1. J. Money February 7, 2015 at 9:19 AM

      Welcome aboard man! Interesting way to reach your million too – I like it :)

    1. J. Money February 28, 2015 at 3:35 PM

      I hope you make it to all levels! :)

      You’re now on the list.

  189. Gauthamy February 27, 2015 at 8:40 AM

    Paid off around 7,00,000 in Consumer Debt ( Indian Rupee) . So far its been an year since i started and i paid Most of it . My last payment towards my Debt would be on April 1st ( the sum of 1,53,000 INR ) . Whoohoo ! Can’t wait to make my last payment.

    I have been Tracking my Net Worth from couple of Months and its amazing to see the progress . I am glad to say that my Networth is a Positive Figure now. Yay! Thanks a lot for all your amazing posts which are so inspiring to stay on track . One of the most powerful article which changed my whole perspective about handling Money was ” how to live on 50% of your income” It really had a huge impact on our finances. :) Thanks a lot J.

    PS : This is my First comment so far across all the PF blogs :)

    Please add me to the Club.I know i can Do it!

    Best Regards,

    1. J. Money February 28, 2015 at 3:27 PM

      Oh wow!!!

      Congrats on how far you’ve come already and the path you’re now on – that’s great :) So glad you’re enjoying the blog too and you took the time to comments.

      Please keep in touch! :)

      PS: Here’s the post in reference for all those new people reading in case it helps you too:

      And then here’s even more proof you can live off 50% of income:

  190. Gauthamy March 8, 2015 at 8:15 AM

    I wasnt added to the club yet :(

    1. J. Money March 9, 2015 at 12:14 PM


      Up there now :)

      Be sure to tell us *HOW* you’ll be reaching this million though – gotta put down the steps so you can have a good idea!

    1. J. Money March 11, 2015 at 9:28 PM

      Welcome aboard friend!

  191. Jeff March 20, 2015 at 1:13 PM

    I’m in! Can you please add me to the list? It’s great to see so many followers of your blog that have these financial goals. I’ve been really inspired by your website and I’m focused on the long journey to financial freedom. I’ve got a long way to go, but my sights are set and there’s no turning back for me. Here’s my plan on how I will achieve this milestone:

    1. J. Money March 20, 2015 at 1:23 PM

      Great list! Welcome to the club :)

  192. Bridget March 31, 2015 at 12:57 PM

    ohhh I need to be on this list.

    Will make a post about my strategy!

    1. J. Money March 31, 2015 at 1:03 PM

      I will be most delighted to see it! You’re one of my faves online, my dearest.

    1. J. Money April 6, 2015 at 2:12 PM

      nice! but we need to see your “to-do” list so we can learn how you’re going to rock it, brotha :)

  193. US March 31, 2015 at 4:44 PM

    Awesome blog you’ve got here man. Some of the other PF blogs tend to get a little boring after a while.. not this one. I’ve started focusing more and more on my finances these last few months. Please add me to the club.

    My steps:

    1)Continue to max out retirement accounts. Thats 18K (+ 8K company match) 401K + 5.5K Roth.

    2)Put in about $1000 in either investments (taxable account or some other form) or savings each month.

    3)Cut down on unnecessary monthly spending. I’ve realized those mid-sized monthly expenses tend to really hurt you in the long run. Recently cut down on TV/Internet/Phone cost by about $100/month.

    4) Upgrade house (which is an older construction) to make it more energy efficient and save around 2-3K per year on energy costs. This will require an upfront cost of around 8-10K, but that will be recouped very quickly. Kinda ties in to point 3 about cutting down on regular expenses.

    5)Cut down on frivolous spending. Although I don’t have any expensive habits per se, analyzing my spending habits has led me to believe that I spend about $100/month on stuff I don’t really need.

    5)Invest in a rental property. This one I will need to study in detail, as I already have a decent (but manageable) mortgage on primary residence.

    6)Invest in myself. Increase skillset so that I can enhance my income. I currently make a little under 200K in total comp per annum (felt a little weird openly putting that out there, even though I’m anon, but this is the personal finance community after all) and am still in the growth phase of my career. At this point, I have the option to ‘settle’ for slow and steady career growth, or working hard, learning as much as possible and moving up quickly. I am confident I can do the second.

    With these steps (And others I learn from awesome blogs like these), I intend to reach the magic mark in 4-5 years. I’m almost 30 at the moment.

    1. J. Money April 6, 2015 at 2:14 PM

      Holy $hit man! (Woman? :)). $200k is no joke – way to excel. Especially when you pair that with good financial management! I know plenty of people that make that – and then some – but their expenses are through the roof and just destroys their wealth. Looks like you’re on the right track here – congrats.

      Going now to add you to the list! let us know when you hit (your first) Mil :)

  194. Raymond Tung April 3, 2015 at 7:06 PM

    J. Money,

    Came across your blog and it’s pretty crazy how our net worth numbers mirror each other. I started with about $44K in 2009 and now I’m at $557K as of April 2015. I hope to hit $1M before my 40th birthday. The biggest influences in my net worth journey have been keeping my rent low, investing in index funds, and maxing out tax deferred accounts.

    1. J. Money April 6, 2015 at 2:17 PM

      Dude – I spent a good 30 mins on your blog over the weekend, you have some good stuff brewing over there! Actually going to feature your article on hitting $500k on the homepage of my other site this week: – it was super interesting/informational.

      I’m all with you on those indexes and tax deferred accounts too – huge game changers. Now I just need to work on our expenses again as our kids destroyed them :)

      nice to e-meet you – stay connected!

    1. J. Money April 6, 2015 at 2:18 PM

      Your #1 on the list will give you a million in no time :)

      Welcome to the club!

  195. Milan April 12, 2015 at 1:28 PM

    1# – In all honesty and with respect – and this is a question for more to those closer to the million – how much is the million bucks a solid, proper end goal for you – psychologically and spiritually? Reading the posts here, that might not be the -real- end goal; just someone possibly forgot to update it. ;)

    To quote Mary H’s comment from elsewhere:

    “Have you read “your Money or Your Life” by Joe Dominguez and Vicki Robin? It’s an a classic personal finance book that taps into this kind of thinking by getting into the real cost of things.”

    TL;DR version:

    2# – “Get your own pledge jotted down, and then link back or leave a comment and I’ll add ya to the list! Here are the current soon-to-be millionaires” – Currently 153 names.

    I wonder, how many of them are outside of North America? I for one, I am from emerging Eastern Europe. We like Americans here; even though we are in a different situation.

    “Max out my 401(k) Self-employed now!
    Save/invest 1/2 of all future bonuses.
    Continue living more minimalistically.
    Sell unwanted stuff on Craiglist :)
    Max out my SEP IRA.
    Max out my Roth IRA.
    Max out my wife’s Roth IRA.”

    I even do not understand half of these. I mean, I heard about some of these terms, but esp. clueless how I can translate all these to my situation.
    A) We don’ t have such a sophisticated financial markets here in my country – that’s the negative side.
    B) On the positive side, ‘offshore’ is much more available here in Europe as in the US. See: many financial institutions over here open accounts for pretty much anybody – expect, the only county, whose citizens are denied accounts are those from the US. So, even if I want to invest in Vanguard, I have to go offshore. Dunno if I can get any tax benefits for that, though.

    Yeah, I agree that first I need a plan; but even for that, given my situation, I might need expert guidance.

    1. J. Money April 13, 2015 at 11:23 AM

      Well, fortunately the basics hold true no matter where you live :)

      Spend less than you make
      Save/invest your money

      It definitely helps having programs in place to help grow that saved $$ faster, but as long as you’re doing that at least you know you’re on the right path.

      I will say that I agree with your statement about the “end all be all goal.” When I first started this blog in 2008 I thought it was all about the money and becoming a millionaire. Now, 7 years later and much wiser (hah) I realize it’s way more about the money – it’s what it GETS you. Namely, freedom. Freedom from stress, from doing horrible jobs you hate, from relying on anyone or anything, and just freedom to do whatever makes you happy on any given day (within reason).

      You still need money to accomplish this – or at least be good at managing your money – but the real end goal is the freedom that being a millionaire (or whatever-aire) gives you in your specific situation. So I’m glad you brought this up – will go now and make an update :)

      RE: People on the list from outside the US. Not sure how many of them are either, but if you check our Blogger Net Worth tracker you’ll see LOTS of people scattered all across the country and can easily identify them based on the currency symbols next to their worths. Check it out!

      Thanks for stopping by today – hope this help :)

    1. J. Money April 14, 2015 at 12:56 PM

      Welcome aboard, #154!

    1. J. Money April 14, 2015 at 12:54 PM

      And a great checklist at that :) Whether you hit a million or not! (or make 10 million!) In the end it’s all about financial *freedom*, and it looks like you’re well on your way… Though I wish I could have driven in your sweet ‘vette before you hawked it :)

      1. Steve Adcock April 14, 2015 at 2:45 PM

        Ha! It really was a sweet ride. Loudest car around, damn fast too. But, totally not needed. :)

        I suppose I’ll be 155?

        BTW – the Leona @ All My Dollars and Cents listing brings me to a 404 page. :(

        1. J. Money April 15, 2015 at 12:32 PM

          d’oh – thx! edited that out…

          I didn’t see anything about hitting your first million in there, but maybe I missed it? Will happily add you up if you wanna do a “millionaire list” type article and mention our club here :) Though over the years I am more found of striving for early retirement than hitting a million as cool as that sounds, haha..

  196. M/M Kash April 30, 2015 at 10:51 AM

    Hey J. Money,
    M/M Kash here and we want to join your Millionaire club. Our five year plan should have us there. I am a budget geek and I have had a written budget for us for the last 7-10 years. I still have the budgets written in spiral notebooks. :). For me, I still like to write it all down. Mr. Kash has everything in a spreadsheet.

    Will will do this to get there….
    1. Continue to max out 401k
    2. Continue to max out IRA accounts for both
    3. Continue to manage rental properties
    4. Spend less than we make
    5. Take advantage of company match (4%) – Mr. Kash
    6. Increase Savings..
    7. Pay off Primary House by 2020
    8. Continue 529 plan for Kash, Jr. ( Balance $25k)
    1. $669,000.00 401k/Roth accounts
    2. No debt other than mortgages
    3. Equity in three properties…. $320,725 (actual numbers based on current market, I am a Realtor)
    4. Savings… $4000.00
    We want to hit $1mill in 401k/Roth accounts….
    Mr. Kash is 46 and I am 45, we wish we had gotten out act today so much sooner. Man, we just blew so much money. Ugh….can’t think about that…moving forward. We are determined that Kash, Jr. doesnt make our mistakes…
    Kash Jr….
    1. Saves 50% of any money he earns, receives…
    2. We are opening a Roth IRA for him to contribute some of his earnings
    3. Has taken the 52 week challenge and is getting there by selling off old toys, video games, etc. and that’s his money to save and spend.

    Love your site and love that people are talking more about saving it, instead of just spending it. I am also amazed that you read every comment and interact with everyone….that’s very cool.
    Raise your glass….here’s to us all becoming millionaires, becoming financially independent and doing what we want to do with our lives. Cheers.
    Mrs. Kash

    1. J. Money May 6, 2015 at 1:41 PM

      YES! LOVE!!!

      Always fascinating seeing other peoples’ real life #’s like that – thanks so much for sharing :) The Kash family is blowin’ up! And bonus points for budgeting in notebooks! Haha… that is true nerd style right there and absolutely love it.

      Budgets 4 life!

    2. Happy Frugaler May 13, 2015 at 10:51 PM

      Awesome read Ms. Kash, I love the idea re Kash Jr. and requiring a 50% savings rate.

      We will take something like that for our two little Frugalers – auto deduction of 50% of all cash received into a special savings account!

      Once they start working, teach them to auto-pay 50% into said special savings account so they never know any different.

    1. J. Money May 13, 2015 at 7:37 AM

      rock on – really enjoyed that post and have updated it :)

      That’s awesome about that TFSA stuff. Talk about a reward for saving! I would concentrate on that too if we had it here in the States :) I don’t get any matches anymore now that I don’t work for a 9-5, though we do get tax breaks for investing into retirement accounts. Interesting to read about how different countries operate.

  197. Happy Frugaler May 13, 2015 at 10:55 PM

    Thanks J.

    Governments incenting us with tax breaks is absolutely awesome – how can we not take advantage.

    I predict the net worth will trudge along for 2015, with modest climbing; however, based on some current investments and our local real estate market, I am expecting some bigger, much bigger, jumps in 2016 and 2017 should be off the charts!

    We don’t Have a Zillow like product to real time value our real estate, so I wait until annual p-tax assessments.

  198. Gene Roberts May 20, 2015 at 7:44 PM

    My current projections have me at $1,000,000 of retirement assets at age 52.2 (1/1/2023). Current retirement savings: $388K

    Actual net worth of $1 mil with my equity should occur around mid-2021. We’ll see if the markets cooperate. Current net worth: $576K

    Here’s what I do to achieve my financial freedom:

    Max out Roth IRA(contributions are good source of emergency fund if needed).
    Max out my Health Savings Account(tax-free triple threat!).
    Save about 21.3% of my gross income towards retirement (includes employer contributions and Roth and HSA above). I invest the remainder in a brokerage account.
    I have switched the amount I was paying ahead on my mortgage and have it going into my brokerage account as well. In the long run this should gain me about $30-40K over paying the mortgage off early.

    Good luck everybody!

    1. J. Money May 22, 2015 at 3:03 PM

      Love it!

      And you’re now officially Millionaire Member #157.

      Welcome aboard :)

  199. V. Townsend (The uncommon millennial) May 21, 2015 at 4:28 PM

    I’m 22, I work full time and go to school. I have had my retirement accounts set up for a few years. I’m going to max out that Roth for the first time this year! I hope your blog is still around when I hit the BIG MARK. And I know ill reach my mark long before CNN has quoted!!
    Later J. money!!

    1. J. Money May 22, 2015 at 3:04 PM

      Rock on V.!

      Maxing a Roth is huge. You do that alone year after year and you’ll be in a better position than most :) But something tells me you’ll be saving/investing even more as time goes on over there, so congrats on hustling!

    1. J. Money May 25, 2015 at 12:30 PM

      I’ll go and update it now then – thx for the heads up! (And glad you’re still around and working on growing that $$$ :))

  200. Larry May 25, 2015 at 2:39 PM

    This group is amazing J. Money! I’d like to join this group of millionaires!!

    1. J. Money May 27, 2015 at 3:30 PM

      Cool! Tell us your To-Do list then and I’ll add you in! :)

  201. Stockbeard June 9, 2015 at 2:13 PM

    Working on my todo-list right now.
    I’m actually not that far from the millionaire status… but I don’t own a home :(

    1. J. Money June 9, 2015 at 9:30 PM

      Cool, let me know when it’s live!

      And no shame in not owning a home – that’s not a prerequisite for anything :) I own right now but against my will, haha… so we rent it out while we rent elsewhere. Home ownership isn’t for everyone, even if it’s usually financially smarter. And you’re already doing well if you’re close to a million!

  202. Swetha June 17, 2015 at 11:21 PM

    Hi J$,

    What an awesome blog! I came across your blog early this year, and you inspired me to max my IRA for 2014!! How serendipitous :) You totally rock dude!

    Can I join this inspiring club even though I don’t blog?

    Much thanks!

    1. J. Money June 18, 2015 at 5:02 PM

      Yes! Of course you can join! Especially after being an IRA maxer-outter ;)

      Just drop your list of what you’re going to do to hit your first million here in the comments, and then I’ll add you up!

      Glad you’re enjoying the site!

  203. Swetha June 19, 2015 at 3:27 PM

    Taking a few pages out of your blog..
    1) Max. out my 401k
    2) Max. out my Roth IRA making monthly contributions (u can’t see it, u can’t spend it!!)
    3) Max. out my HSA contributions – love that account!
    4) Bring down monthly spending to <40% of net paycheck, currently ~50-60% – lots of improvement still to be made…
    5) Build on emergency fund and investment ETFs
    6) Put rest towards downpayment
    7) Never buy a brand-new car…
    8) No credit card debt
    n hopefully… watch my net worth soar enough to retire early!

    1. J. Money June 19, 2015 at 10:00 PM

      It can only go up with that plan! Haha… Love it. I have yet to really dive into the HSA stuff but the early retirement crew swear by it. So I’ll eventually wise up :)

      Thanks for sharing! Will go and add you up now. Welcome, member #159!

    1. J. Money July 21, 2015 at 8:40 AM

      Welcome aboard!

    1. J. Money July 21, 2015 at 8:45 AM

      You’re in! Thanks for participating! :)

    1. J. Money August 21, 2015 at 10:43 AM

      You’re now officially a member!

  204. Elle @ New Graduate Finance August 20, 2015 at 2:06 PM

    What an awesome idea!

    I would love to be added.
    I am
    Best of luck to everyone! We’ll get there before we know it!

    1. J. Money August 21, 2015 at 10:44 AM

      Thanks! If you list your steps to get there – whether in the comments here, or on your blog – I’ll go ahead and add you up :)

  205. Sara December 18, 2015 at 1:10 AM

    Hi J Money!!
    Please include me on your list of future millionaires! I’m just starting out with my blog, but I find that it’s a good way to straighten things out instead of keeping it all in my head!

    1. J. Money December 21, 2015 at 12:58 PM

      Woohoo! Welcome to the club :)

  206. The Saving Nerd December 22, 2015 at 12:00 AM

    Jmoney, this is a great idea. I will be writing my new commitment page soon, but I do think a community of savers are very effective.

    thanks, I got your badge for now.

    1. J. Money December 24, 2015 at 2:03 PM

      Rock on – be sure to share the article with us when you get it out the door and I’ll add you up on the list :)

  207. Yaacov December 24, 2015 at 1:16 AM

    In Israel, people like to complain about the high cost of living (relative to the median wage). It is my intention to prove them that it is not only possible to live on less, but to save more. Currently at age 30 with $157K (take into consideration 3 lost year of wages due to military service), married with 1 kid. Currently saving about $23K per year (about 90K in shekels), on track for $1USD by age 46-47.
    In shekels, probably will reach 1 million in 2 years ;-)

  208. Sheraz January 2, 2016 at 10:30 AM

    Millionaire path:

    -Never get into debt.
    -Continue maxing out Roth IRA every year.
    -Continue to save and invest 40%-50% of my salary.
    -Continue gaining knowledge on stocks and business.
    -Become a millionaire before the age of 40.
    -Publish a personal finance book.
    -Retire from the military with $2M+ no earlier than 43 years of age but no later than 48.

    1. J. Money January 25, 2016 at 4:22 PM

      BOOM! Get it, bro!

  209. Future Beachbum January 24, 2016 at 3:57 PM

    Hey J,
    We want to join the Par-tay!! Our Millionaire plan looks like this for us…
    1. Continue to max out 401k & Roth yearly….currently at $645k
    2. Increase emergency savings…currently low at $6700.00
    3. Pay off 3 houses in 5 years…say what??!
    A. Sell primary house this year…all equity from sale rolls into rental property #1
    B. Move into Rental Property #2 (the Beach house), which now becomes the primary
    C. Pay off Rental Property #1 by 2018 and continue to rent FOREVER
    D. Pay off Beach House by end of 2021
    4. Continue to fund 529…currently at $27k
    5. Retire by the end of 2021
    6. Unload the stuff weighing us down
    7. Continue to Live and Enjoy a more simple lifestyle
    8. Get our blog rolling

    Wave Making in Progress, Man!! Rock on

  210. Miranda January 29, 2016 at 10:29 PM

    I have made out my pledge list in my about me section :)

    1. J. Money February 1, 2016 at 12:12 PM

      Yayyyyy – looks good! Welcome to the club!

  211. Mario February 17, 2016 at 3:36 PM

    Hey, J, I’m not a blogger, but I was hoping to have my pledge included. This is my pledge list (in no particular order):

    1. Create and emergency fund. [As of today $0.]
    2. Continue maxing out my 457(b) [been doing this for years]
    3. Pay off debt.
    4. Rework budget to find more money to invest.
    5. Get more serious about selling my photography to have more money to invest.
    6. I own an interest in a home (1/3 of it); I want to get MY OWN house.

    As of today, my net worth is $722,347.79.

    Thanks and rock on!!

    1. J. Money February 29, 2016 at 5:22 PM

      Nice!!! Just added you up – you’re killing it with $700k, well done! (Though weird you don’t have any cash savings? or at least for the E. Fund? Always something to work on I suppose – hah)

  212. Dr. Beard March 8, 2016 at 10:52 AM

    I finally got around to writing up our millionaire plan. It’s surprisingly simple when you work through the numbers and realize how ridiculously large an amount of money was going into absolutely nothing.

    Our plan is completely based on my guaranteed salary, assumes no raises, and assumes no side hustles. All those things will happen, but we’ll just call them gravy and a little insurance for the rough patches that will pop up.

    1. J. Money March 8, 2016 at 4:40 PM

      Welcome to the club, good sir! Your beard – and money – is well received here :) And you have one of the best names for a $$$ blog I’ve seen yet, *tips hat*

  213. Joseph Druther March 11, 2016 at 7:57 PM

    Howdy people. Always said that I would be a millionaire by thirty. I know that 1 million is not REALLY the point, freedom is.. blah blah blah. Anyways we have been very frugal since married at 19 and 20 and paid off all of our debt as quickly as possible. Including our house of a mere 12K in the first year. We spent every spare dollar of our 30-35K/year income to fix up the house. Used the equity from this house to flip another and now have a net worth of almost 225K with 85K liquid. Dave says live like no-one else and later you can live like no-one else. My wife and I are now 25 and 26. I am pretty sure we will hit a million by thirty, but its really irrelevant if we do. We are on the right path. Have spent less than 11K on vehicles our entire marriage. My broke friends make fun of my nice, reliable, older cars compared to their nicer newer cars and simultaneously complain about money. Just know the more they make fun of you, the more reinforcement that you are on the right path. Will post my plan soon.

    1. J. Money March 12, 2016 at 3:11 PM

      Rock on… Send over the link once it’s live and will add ya up into the club!

  214. Nick Stage March 24, 2016 at 8:04 AM


    What can i do to get unto your list ?

    and how do you rank your list :)

    1. J. Money March 28, 2016 at 11:54 AM

      Write up a post on what steps you’ll be taking to hit your 1st million, and I’ll add you up! :)

      No real ranking of it all – just in order of when people have joined over the years.

  215. Stacey April 6, 2016 at 8:40 PM

    My plan to make a million:
    1. Max out 403b
    2. Max out Roth IRA
    3. Cut spending to bare bones and pile cash into brokerage account.

    I am 45. Hope to get there by 50….


    1. J. Money April 7, 2016 at 3:33 PM

      Doing those for 5+ years will certainly help get you there faster! Welcome to the club!

  216. The Finance Games April 8, 2016 at 10:20 AM

    Just posted and joined! Researching all these numbers really put this goal in perspective. It will take hands on work with finances but it’s definitely not impossible, which I think I always assumed it was!

    1. J. Money April 8, 2016 at 1:08 PM

      Exactly! Just a matter of paying attention + some hustle + TIME. Gotta care enough and prioritize to make it happen!

      You’re now officially a member :)

  217. DauvO May 8, 2016 at 11:03 AM

    Hey J. My names DauvO and I’d like to join your club! I just linked up to your site a few days ago from my site, Did I link it up correctly? Thanks! Love what you are doing!

    1. J. Money May 9, 2016 at 1:40 PM


      Welcome to the club – a fantastic list (and overall blog post) you’ve got over there! Thx for wanting to be a part of it all. Nice to e-meet you :)

      1. DauvO May 9, 2016 at 4:15 PM

        Thanks a lot! Can’t wait to read your next post!

  218. Dave May 24, 2016 at 8:13 AM

    My checklist for being a millionaire:

    – Max traditional 401k every year. (1/3rd of the way there. I spread it over my 26 paychecks so I receive the most of my company’s match)
    – contribute max after tax contributions allowed per year and distribute to my Roth IRA when balance is above $1k
    – Max Roth IRA (check)
    – Put at least $500 per paycheck into taxable account (using wealthfront currently)
    – Build up my other portfolio of points and miles earned from credit card sign ups to reduce travel costs
    – turn my side hustle into my main hustle.

    1. J. Money May 25, 2016 at 12:03 PM

      Nice man – you’re gonna get there in no time doing all that!

      Smart about spreading the 401k contributions around like that too to grab those benefits. I had to double check on that myself when I wanted to front load it all back in the day and got HR to change the rule a bit to make my plan work :) I got like $19 paychecks for 3 or 4 months until I maxed it out fully haha… then it was like winning the lottery every paycheck when I got them in full!

  219. Ginger June 12, 2016 at 5:13 PM

    Hey J, with your wife’s job, any chance of cutting your time to millionairehood down a bit? Can’t wait to see an update to this.

    1. J. Money June 13, 2016 at 7:49 AM

      I surely hope so! We’ll be close to breaking even the first year, but after that expect her pay to increase as well as our expenses to eventually go down again… mainly in the daycare area :) So it’s looking positive!

  220. Miss Mazuma July 8, 2016 at 10:43 AM

    Hi J. Money!! I’ve been reading (and listening when M.O.N.E.Y. was on) to you for awhile. :) Happy to say I’m ready to take the pledge and throw my hat in the ring. I just started blogging again (after a 4 year hiatus) and am excited to be a part of the FIRE movement. Although its a little scary to make these numbers public, I decided to take the dive and just finished my post on the subject and linked up. I’m a little rusty so I hope I did it all correctly! :)

    Thanks for adding me to your list and I look forward to watching everyone’s numbers climb!

    1. J. Money July 9, 2016 at 7:55 AM

      Very cool! Welcome back!!

      Your savings rate is INSANE oh my gosh, haha… you are a rock star :)

      Will get you up here towards your Millionaireship (you’re right, it should be a word!), as well as on our Blogger Net Worth tracker too over at Rockstar Finance… which you clearly belong on.

      Thx for being a part of it all! And keep on killing it!

      1. Miss Mazuma July 10, 2016 at 8:23 AM

        Hey J –

        Thanks for responding and checking out my fresh new blog – I’m thrilled and overwhelmed by starting new again.

        My savings rate is due to having bought my condo in cash which is why my cost of living is so low. I’m working on the “rock bottom” post that will explain in more detail. That one is taking awhile because I’m all about looking forward and to write it means reliving the past. Plus – I forgot how to write and post instead of pour over the perfection of every sentence!! Tons of drafts yet to be published but I’ll get there with time.

        Anywho, thanks again for checking it out. I appreciate the time you take to respond to all of your readers. That in itself shows your commitment to the community you’ve built here and it doesn’t go unnoticed. Keep it up!!


  221. Dollar Engineer July 11, 2016 at 10:35 PM

    So to be a millionaire by the age of 40, I plan to:

    Continue maxing out my 401k every year
    Work harder to earn raises, promotions, or new job offers
    Build additional income streams (maybe even through this blog)
    Increase my post-tax savings from my current average of 25% to 40%

    Also, J. Money as one of the first personal finance blogs I came across I have to thank you as I recently started my own blog! I detailed my goals and my first net-worth update here

    Add me to the club and thanks again man!

    1. J. Money July 19, 2016 at 4:16 PM

      Rock on man! Love to hear that :) I hope it brings you ton of joy over the years!

      And you’re now officially a member of the club, welcome!

  222. A4L July 14, 2016 at 1:22 AM

    Hi J$!

    I’d like to join you on your journey to becoming a millionaire! I just posted my pledge over on my blog

    I’m not quite ready to join your net worth list, but maybe someday. Love what you do, keep up the good work!

    1. J. Money July 19, 2016 at 4:18 PM


      Digging your blog name btw – “Accounting for life” – that’s great, haha…

      You’re on the list!

      1. A4L July 21, 2016 at 1:45 AM

        Thank you! Glad you like it. It’s not quite “Sexy” but you know, not everyone can be J$!

        1. J. Money July 21, 2016 at 4:29 PM

          You can be A4L$? :)

  223. Bateaux August 2, 2016 at 6:40 PM

    So we’re millionaires. I don’t have a blog though I’ve thought of starting one. We have a out 1.1 million in investments and cash. 300k or more in paid off real estate and 300k in a cash balance pension. No debt. Married 25 years 48 years old. Both still working two more semesters of college for oldest son. Youngest son working full time . So kid expenses are almost done. We max both 401ks, max Roth IRAs. Company pension added to monthly and we each have company match on 401K. All totaled about 85K in new money invest from all sources annually. The 1.1 million is invested in almost all tax deferred accounts. Aggressive growth portfolio mostly index funds but some REITS as well as some stock. Shooting for retirement by my 50th year. Probably spring 2019, was shooting for 2018 but think I’ll need to cover kids with health care one more year. Shooting for 2 million or more net worth by then. Without a huge market collapse that should happen.

    1. J. Money August 5, 2016 at 10:39 AM

      Nice!! That’s some major cash flowing in every year w/ all that maxing you’re doing. Very very smart. You’ll have to come back and tell us once you’ve pulled the trigger :) Inspiring stuff.

  224. Happyhuman August 7, 2016 at 10:35 AM

    Hello –

    You, along with other similar minded bloggers have totally inspired me so I am starting my own blog from a working mom perspective that also happens to love to travel NOW. I am in the process of finishing the details of all my financials to post them in there. Can you please add me to your list to keep me motivated? I am documenting my journey here:

    1. J. Money August 8, 2016 at 10:49 AM

      Congrats on the new blog! Loving the name, haha…

      Hit me when you have your list published somewhere and will get you right up on the list :) Or just leave it here in the comments so we can all see it!

      1. Travel Travel & Retire! August 9, 2016 at 8:40 PM

        Thanks for the reply! I am still happy and human, but figured to keep my username the same for consistency lol.

        Here is the blog post where I write in painful detail my goal and how I need to achieve it. lol and also my starting point (what happened from early 2000s to now). Plus I have my current progress reports:

        Right now at about 335k, hoping to reach 1m in about 4-5 years.

        1. Travel Travel & Retire! August 9, 2016 at 9:16 PM

          oops sorry here is the proper link:

          Let me copy and paste too:

          We will need to save about $140k per year at an average return of 5.5% for 12 years in order to achieve our goal and get to $3.1 million (adjusted inflated $2.2 million in today’s dollars), with $360k investible assets as a starting point by the end of 2016 (on track for 2016)

          How will we accomplish this?

          Here is the current plan. For 2016, the goal is to end the year with $360k assets and establish our baseline (the year we decided we are working formally towards financial independence). For 2017 and beyond, this is how we plan to achieve our yearly goal:

          Max out both 401k plans ($36k)
          Retirement company match ($16.8)
          Max HSA ($6.75 (company adds 1k of that))
          RHSA ($1.5 (750 of that is company matched))
          Brokerage Account ($70k)
          Bonus saving ($9k)

          Total investments 2017: $140,050 ($121.5k from our own pocket, rest company matched).

          For 1m – 4-5 years.

          1. J. Money August 10, 2016 at 4:15 PM

            Holy crap – that would be insane savings/investments!! You’ll have to hit us back when you reach it – so amazing!

            Going now to add you to the list – you def. deserve it, haha…

            1. Travel Travel & Retire! August 10, 2016 at 4:24 PM

              …yeah with lots of assumptions including that our salaries remain. But got to take advantage of it now while it is here right?

              We can always adapt like you have to with any plan but for now, here is to my stretch goal. THANK YOU!

    1. J. Money August 10, 2016 at 4:46 PM

      Woo! Welcome to the club!

    2. Travel Travel & Retire! August 10, 2016 at 8:20 PM

      Love the little nest egg tracker on your site! Always great o read these stories especially from the very wise people doing this in their 20s!

  225. Travel Travel & Retire! August 13, 2016 at 12:19 PM

    ok one last comment (sorry you can tell I am super excited about this and motivated lol). After reading many of your posts on here I realized that a lot of us are focusing a lot on the investment/savings part but maybe not as much on the expenses side of things. At least for me, that is the part that scares me the most. To see just how far I can get (I like pushing myself), I have set out a goal for myself for expenses, that will hopefully make the savings/investment side of things much easier to achieve.

    Would love to hear from your readers which part they focus on more and which one they personally find easier. I start to get whiny when I have to cut expenses lol.

    Ok off to explore more blogs (esp on how they have cut expenses) and continue my monopoly game where I am about to go broke……womp. womp.

    1. J. Money August 18, 2016 at 9:44 AM

      Oh yeah! The ol’ “cut spending vs earn more” debate – we love those in the $$$ world :)

      But you’re right – there’s two parts to the equation, and both need to be paid attention to! I personally love the cutting back area only because it then means you don’t need to earn more to keep up with your lifestyle. And of course less for figuring out your “retirement number” too! Of course, life changes and things never go as planned so always best to be careful there, but def. gotta keep an eye out on money going out as much as it is coming in.

      I feel like there’s a point though that you’re comfy w/ how it is and not willing to decrease your lifestyle any more – which is perfectly fine. Then you can focus all the energy on earning/saving! :)

  226. Cents of Knowledge September 5, 2016 at 9:35 PM

    Hi J! Between you and some of the other major finance blogs out there, there is endless information and motivation out there. I feel a bit self righteous saying it, but my goal is to reach $1 million before I turn 30. By achieving financial independence I hope to remove my dependency on my job to feel secure. I have also seen how your views have changed over time with your family. I would be surprised if my goals don’t evolve in a similar fashion, but for now, here is the link to my list:

    You’ll see I’m following a similar approach as you. I plan to post my monthly income/expenses. My hopes are that this will inspire my readers, and it will force me to realize when I slip up on my goal!

    1. J. Money September 6, 2016 at 11:58 AM

      Rock on!!! Welcome to the community man – such a good group we have here for sure, I agree :) And nothing wrong w/ shooting for the best for you and your money too. Imagine all the good you can do once you’ve achieved it??

      And you’re totally right about life changing – whether you want it to or not :) But if you stay aware throughout, you and your money will be just fine.

      Going over now to check out your blog!

  227. Ed Mills September 14, 2016 at 6:43 PM

    Greetings J$,
    While I never joined your list of future millionaires, I hope you don’t mind if I hang one of your “Million Dollar Club” banners on my website. I’d like to join The Green Swan on your list of future multi-millionaires. Now, let’s see how long it takes for my portfolio to mushroom to $2 million. This time I’m going to let the portfolio do most of the heavy lifting.

    See you at the peak,

    1. J. Money September 19, 2016 at 11:29 AM

      Haha… I’m not sure if that’s kinda cheating or not, but since I know you’ve been working hard at it over the years we’ll get you up on the list :) Also hoping it scores me a free beer this week when we’re out in San Diego!

  228. Finance Solver October 15, 2016 at 1:55 PM

    Hey J$, I’m officially joining the club! I have my list of to-do things here:

    I hope to become a millionaire when I’m 35 but that’s a little overshooting and it’ll probably be more realistic to be a millionaire when I’m 40. I have about 18.25 years to go and will enjoy the ride while I do it!

    1. J. Money October 23, 2016 at 4:21 PM

      That’s all you can do, man! Not worth it if you’ll be miserable the whole time :)

  229. Will Chou November 2, 2016 at 11:11 AM

    Inspired by this and I have made the pledge!

    Please add me to the list @

    Will Chou
    -Personal Development Blogger

    1. J. Money December 26, 2016 at 7:01 AM

      Rock on! Pass me the link so I can check it out :)

  230. Leo T. Ly @ December 25, 2016 at 4:33 PM

    Hi JMoney,

    I’ve reached the million dollar goal, but I am still far from achieving financial freedom as the city that I live in is too expensive. Hence, in order for me to truly be financially freed, I’ll need to be worth $2M. Here’s my pledge:

    1) save $20,000 per year in my family retirement savings account
    2) save $11,000 per year in my family tax free savings account
    3) save $5,000 per year in my kids’ education savings plan (kids are expensive too)
    4) grow my income from non employment sources
    5) buy you a keg of beer when I reach my Freedom 48 goal (in 2026)

    Here’s my blog:

    Merry Christmas.

    – Leo

    1. J. Money December 26, 2016 at 7:03 AM

      Nice! From what I hear the first million is the hardest :)

      (And thanks for making me thirsty!)

    1. J. Money January 29, 2017 at 3:24 PM

      Ack – sorry for the delay! You’re now in!!! Thanks for sharing/joining/challenging yourself :)

    1. J. Money January 29, 2017 at 3:29 PM

      It’s so pretty :)

  231. Kimmy Garcia March 6, 2017 at 9:31 PM

    Awesome!! I wanna join in on the cause! Calculate mine and it looks like I’m never gonna be one, but I will try! Please add me to the list! ^_^

    1. J. Money March 8, 2017 at 10:11 AM

      Cool! Send me a link to the list of things you’ll be doing to help reach it, or paste them here in the comments and we’ll get you up on the list :) You’d be surprised at how much compounding and time affects your money, so you may indeed be able to hit a million!

  232. My Own Advisor March 7, 2017 at 8:27 PM

    Hey JMoney,

    Well done on the $631k net worth. Very well done.

    Please add me to your list.

    We’ve reached $1 M in net worth but we’re striving for more before age 50 – our goal by then is to own a $1 M investment portfolio. Here is our pledge and goals:

    Thanks for adding me!

    1. J. Money March 26, 2017 at 3:30 PM

      Nice – you’re on the list!

  233. Rick March 14, 2017 at 10:49 AM

    Hey JMoney,

    I hit the $1M mark! Yeah!!!! So, how can I join? I can send you a screenshot of my Vanguard account. No blog or other craziness, just happy!

    1. J. Money March 26, 2017 at 3:32 PM

      Congrats! Was about to ask you how you did it so we can learn, but tracked down your email and saw it was all investments through IRAs and 401(k)s – well done :) That’ll be how I officially hit it too! (i.e. retirement accounts). You’ve been added to the list.

  234. derek April 6, 2017 at 3:35 PM

    Dude! I totally forgot about this.

    I had a post on the old blog about this.

    Maybe it’s time to do a millionaire list on the new blog!!

      1. J. Money April 8, 2017 at 4:08 PM

        Hah – there it is! 3 years ago – nice :)

        Let’s see how much your new list differs with your old one?

  235. Denis April 14, 2017 at 10:13 AM

    FWIW and not to be Debby downer but …

    I looked at 2 of your millionaires and both are not liquid (one with a lot of real estate with a lot of debt) and the other has most of his million in a retirement acct (which will be taxed when takes it out).

    I have that dilemna of having half of my 2MM tied up in retirement accts and real estate. As we saw in 2007-2008, real estate does not necessarily go up and up and when I take money out of retirement, due to taxes, will be worth .70 or less on the dollar.

    1. J. Money April 17, 2017 at 3:49 PM

      True true – a million dollars net worth can look way different across the board, but at the end of the day it’s still a million dollars :) I think if anyone can manage to hit that they’ll be able to earn whatever else they need in order to hit the main goal at the end: financial *feedom*. Which of course is then when the breakdown matters the most in terms of cash flow/etc.

      Congrats on hitting 2 Million yourself! You’re kicking my a$$ no matter how it’s tied up ;)

    1. J. Money May 28, 2017 at 3:36 PM

      That’s what I like to see!

      Just maxing out your 401(k) will get you to millionaire status alone :)

      Welcome to the club!

  236. Chris June 9, 2017 at 12:14 PM

    Hey J.Money,

    Thank you for the inspiration and motivation to set big goals.

    I’ve made my pledge here:
    Please add me.

    Thanks a bunch!


    1. J. Money June 11, 2017 at 2:42 PM

      Welcome to the club, good sir!

  237. Military Mogul June 11, 2017 at 12:02 AM

    Hey J,
    I love your site along with Rock Star Finance. Retired from the Air Force as an E-8 (SMSgt). Goal is to be at $1M in 5 years and be on FIRE in 7 years. I love the net worth tracker, started tracking mine the last 7 years I was in the Air Force even before I knew your site existed. I am sharing your site to help other younger members in the Air Force especially since they are starting a new investment program starting in Jan 2018. No reason a new military member that stays for 20 years should be able to get out with no less than $250-500K if they max out their TSP (Thrift Savings Plan). Keep up the good work!!

    Military Mogul

    1. J. Money June 11, 2017 at 2:49 PM

      Hell yeah man! The military has soooooooo many perks (I grew up in a Marine Corps household – oorah!) so glad to hear they’re just adding to the arsenal of tools over there.

      You might be interested in a bunch of blogs who cater mainly to the military folks too – some pretty good ones in the mix:

      And congrats on your own journey, my man! You’re getting pretty close to both of those milestones there – you’ll have to come back and share what it’s like once you hit them :)

      Either way, appreciate the kindeven better they’re rolling out some new ones!


      1. Military Mogul April 20, 2019 at 1:00 AM


        I am your newest MILLIONAIRE member for this Easter weekend. I have been tracking my net worth every month over the last 7 years and on 16 Apr 2019 @10:39 pm I went over the double comma mark. I have two properties left to pay off, one is a rental that will be paid off in Dec 2020, and my current property payoff goal is 2023 or sooner.

        Don’t tell me an enlisted military person can’t be a MILLIONAIRE if that is your target/goal.
        Aim, fire, target is hit. Two million is in sight.

        Thanks for the inspiration to keep me motivated.

        Military Mogul

        1. J. Money April 22, 2019 at 7:00 AM


          Maybe it’s time to finally start your own blog to show all your colleagues how it’s done? :)

          Would be super inspiring coming from a fellow serviceman!

          Upward and onward!

          1. Military Mogul December 19, 2019 at 11:27 PM

            J. Money,
            Thanks for the encouragement. Still on track for the last rental to be paid off Dec 2020. Major goals ahead to be debt free, which includes our daughter college eduation to be cash flowed, to include master’s degree. She will finish her BS in 3 years..
            Might have to start that military blog after all, but would like to wait until the full mission is complete (everything paid off). Then I can talk the talk because I would have truly walked the walk in the military and civilan sector. Also no civilian 401K match for investments during my lifetime.

            Military Mogul
            “2020 in Sight”

            1. J. Money December 20, 2019 at 6:16 AM

              I have no doubts that you’ll make it happen! Be sure to update us when you do! :)

              1. Military Mogul January 29, 2021 at 1:28 AM

                What up “J”

                Been a great new year so far, just made that last rental property pay off… Hell yeah! Now our primary property in focus for the next three years or less. Total payoff of primary house will be less than 10 years, bought in Feb 2014..

                Take care,
                Military Mogul

                1. J. Money January 29, 2021 at 5:42 AM

                  Aww yeahhhh – you’re on FIRE over there!

  238. Lily He-Prudhomme June 12, 2017 at 7:02 AM

    Hi hi hi J$ :D

    Thanks for starting something so cool! Our ETA to a million is 2019. I held off pledging for a few weeks because I didn’t know what I wanted to say haha. Now I got something :)

    You’ll probably get the tweet first but here’s the link anyways:

    Keep on hustling!

    1. J. Money June 12, 2017 at 11:51 AM

      Haha nice! Welcome aboard, you’re in good company :)

  239. Steveark June 12, 2017 at 9:15 AM

    Hey, no web site and no blog but I am a big fan of FIRE blogs and feel like part of the community. I hit a million back in my forties 15 years ago and added a few since. I’m early retired though now I’m approaching normal retirement age. I got here by maxing out the 401k, well over one million in that alone, plus maxing a Roth, plus substantial taxable accounts. 100% equities while accumulating and six figure part time side gigs after retiring. Am I eligible J$, please, please?

    1. J. Money June 12, 2017 at 11:54 AM

      Oh wow – you’re killing it man! I’ll add you to our club for sure (let’s make an “honorary” membership for those rockstars like you who’ve already hit their first million ;)), but maybe it’s time for you to start your own blog so we can all learn from you? Lord knows we need as much help as we can in this country!

  240. Ms. Frugal Asian Finance June 26, 2017 at 8:20 AM

    Hi J. Money, thank you so much for starting this awesome list! I just wrote our pledge to join the Million Dollar Club. I would love to be included on the list. Thank you so much!~ ^.^

    Here’s the link to our pledge:

    1. J. Money June 28, 2017 at 7:24 AM

      WOO! Welcome aboard, my friend – nice to have you here :)

    1. J. Money July 10, 2017 at 10:32 AM

      Nice!!! Should get easier with each passing year, now! :)

  241. Mr. Smart Money July 21, 2017 at 7:06 PM

    Hey J. Money,

    This page inspired me, and I finally wrote out my millionaire pledge! It’s pretty ambitious, but I hope to check back in here within 7years (or less, haha) with some good news.


    1. J. Money July 24, 2017 at 10:26 AM

      Oh man, you weren’t kidding haha… “acquire 50-75 rental units” – that’s hustlin’ right there!

  242. RPM July 24, 2017 at 3:14 PM

    Hello Mr. J. Money,

    Very inspiring !!!

    My current liquid asset (no load low cost mutual funds, stocks, cash) as of market today is at $960 K. I plan to reach the milestone in 2 years, maxing out company 401K, IRA(wife’s). This doesn’t include home equity, cars valuables. Hope to start blogging soon. I try to talk to my kids about finance. I keeping a journal. Hopefully, they will read one day.

    What a journey it has been ! Can you please add me to the Mil Club ?

  243. RPM July 24, 2017 at 3:30 PM

    … contd.

    1. Emergency fund. Check
    2. Kids college fund. Check (ongoing)
    3. Continue education (stocks, technical analysis, options)
    4. Continue with the money saving plans which I initiated in December 2004.

    1. J. Money July 25, 2017 at 7:40 AM

      Nice work! Going strong for 13 years now – that’s some good proof this stuff works when you actually try hard enough! :) Welcome to the club, good sir. I think you’ll be hitting the $1 Mil milestone way before 2 years.

  244. SS FI August 23, 2017 at 3:13 PM

    I just turned 38 and my goal is to hit $1M by 40. DH won’t have the benefit of hitting our milestone money marker at a milestone age, he hits 40 before year end. But I have two years, and it is going well, even as a just a regular nine-to-fiver, married to a mostly SAHP, and 2 kids in tow, now ages 6 and 8. Currently about $815K. I don’t blog, but I do track my NW at History back to August 2007 in there, I was 28 at the time, but had already been saving for about 4 years.

    1. J. Money August 25, 2017 at 2:30 PM

      Rock on! You’ll have to come back and let us know when you’ve hit it so we can party together :)

  245. RPM September 16, 2017 at 6:49 PM

    making progress…at $981K as of Friday closing…can’t wait to follow my dream, my passion…helping abused and neglected dogs….Good luck to all. Wishing you the best.

    1. J. Money September 26, 2017 at 4:18 PM

      Wowww you’re so close!! And a killer dream too!

  246. Ms99to1percent September 25, 2017 at 1:41 PM

    Hi J,

    Glad you came up with this idea. This club/challenge is very motivating!!!

    Please add us to the list. Our current NW is $2M but most of it is from the house equity and our consulting business. Thus, we are shooting for $4M by the time we are 35 years old.

    You can find our pledge here:

    1. J. Money September 26, 2017 at 4:21 PM

      Holy crap! You are rockin’ it! You’ve now been added to the list :)

  247. Ms99to1percent September 27, 2017 at 8:01 AM

    Thanks J. Sorry meant to say by the time we are 45 years old

    1. J. Money October 11, 2017 at 5:15 PM

      You’ll get there soon enough with your 50% saving goal!! Love it!

  248. RPM October 15, 2017 at 6:52 PM

    @ 996K …this is head spinning crazy…

    1. J. Money October 23, 2017 at 1:18 PM

      Don’t worry, it’ll get head spinning the other way when everything crashes soon ;)

      Let’s hope you at least cross it first so you can see you are/were a millionaire! Haha…

      1. RPM October 23, 2017 at 9:06 PM

        100% true, Mr. J

        As of my earlier post,
        Cash ( all accounts) = $631K

        It’s OK if takes a little longer.

  249. gofi October 27, 2017 at 3:17 PM

    Hello Sir, Mr. J. Money – what a great community – I’d like to join. How do I add myself to the list?

    1. J. Money November 1, 2017 at 1:39 PM

      Share your millionaire to-do list here in the comments or on your blog, and then we will add you up!

    1. J. Money November 7, 2017 at 3:45 PM

      Beautiful! Loving the cabin payoff idea :) And the fact you own a cabin for that matter!

      Here’s to our first million!

      1. Tess Lou November 22, 2017 at 8:45 PM

        Done! Great info. I love the filtering options!

    1. J. Money December 6, 2017 at 3:03 PM

      Congrats, quarter of a millionaire! :) You are officially now a member of our club! (And I love of course your pans to max out your retirement accounts every year. Even if you just did *that* and nothing else you’ll make it well into the millions in no time! Keep it up!)

  250. RPM December 27, 2017 at 2:55 PM

    Happy to announce we crossed the finish line in Nov. (15.7 K over)
    Now 70% in cash, 30% in investment ( index funds).
    Next pledge: Multimillionaire status.
    1. Max out 401K and IRA
    2. Seek passive income
    3. Buy one rental property
    4. Save 1 Mil in cash
    Happy New Year!

    1. J. Money December 28, 2017 at 10:06 AM

      BOOM! Love it all – congrats!!

    1. J. Money January 3, 2018 at 10:25 AM

      Welcome to the club! You’re now officially a member :)

  251. TTR January 2, 2018 at 9:53 PM

    Happy New Year fellow trackers! Hope you all made great progress in 2017 and that we continue pushing forward in 2018….

    As for us, we ended with $572.5k! (original goal was to end $528.5k), plus bought a car cash and paid off an extra year of mortgage (6 years to go!). By all accounts an excellent year, and bracing for stronger winds coming ahead.

    1. J. Money January 3, 2018 at 10:27 AM

      Nice! And I hear you on the stronger winds ahead, haha… I’d be surprised if the markets don’t crash within the year! But will continue to pour in the $$$ regardless :)

  252. S Dot January 4, 2018 at 4:08 PM

    I am number 117 on your list and just inched across the finish line this morning. Hopefully the market does not close down today and kick us out of the club, ha ha. I was about 1/3 of the way to my goal when I joined your list, and it served as great extra motivation to kick my wealth accumulation into high gear.

    1. J. Money January 5, 2018 at 6:33 PM

      Wowwww very cool!!

      You’re speeding right on by me – congrats!

      I’ll have to go and update it now to show you have become one of the elusive members :) Save a seat for me!!

  253. Alex Sanchez February 5, 2018 at 12:29 PM

    How can I join your list JMoney? I’m a 23 year old who is on track to millionaire status by or before 30(actual math was made,not just an arbitrary fantasy). I’m documenting my journey on YouTube and I’m also creating educational,motivational, and inspirational content. Hope I can be on your list :) love your blog!

    1. J. Money February 5, 2018 at 1:59 PM

      Nice! You’d get there quicker than me in that case – I’m still going after it, now 10 years later since this post was made! :)

      But yeah man – do a video on how you’re going to reach it and I’ll link back to it! Win-win for everyone :)

  254. Dj Kutt’n CeeY July 9, 2018 at 10:16 PM

    Yo, J. Money!
    Add me to the list of Millionaires! I pledge
    Not to over spend! I pledge “NOT” to hang out with the trending trend! Smoke more Weed! Good Weed! French fries and big booties forever!

    1. J. Money July 10, 2018 at 10:14 AM

      Oh jeez, haha…

  255. Mayra Walters July 27, 2018 at 1:45 PM

    I heard from you at Optimal finance daily podcast, and now I’m ADDICTED to your blog! I’m 29 yrs old with no debt, extra payments on my mortgage, retirement accounts, and now including also a new brokerage account to invest. I hope I can make it there as I’m inspired to sit down and make a plan to hit this goal!

    1. J. Money July 27, 2018 at 2:45 PM

      Helllll yeah girl – you are on your way!! Just keep pumping it in as the days go by, and by the time you’re an old fart like me you’ll be sitting pretty ;) Keep going!!

  256. Devin August 14, 2018 at 4:08 PM

    Hi J,

    New comer here! You inspired me to start a new blog and I am addicted to your blog!

    I am 35 years old, married with two kids. Our net worth is currently 950K and we are working very hard to cross the finish line! I wish to join the million dollar club.

    Thanks for you to grow this community and inspire positive changes :)

    1. J. Money August 15, 2018 at 6:21 AM

      Heyyy!!! Congrats on the new blog, almost-millionaire! Very exciting stuff on both accounts – I’m rooting for you!! :)

  257. Robbie January 30, 2019 at 10:51 AM

    I had been talking about doing something like a millionaire/FI pledge for quite some time but was a little bashful about it. I heard about your millionaire pledge while listening to some older Mad Fientist podcast episodes and decided it was time. Great idea… Thanks for the boost!

    Hoping to hit my goal in about 3.5 years.


    1. J. Money February 1, 2019 at 6:57 PM

      Rock on! Thanks for jumping into the fun! Just added you up on the list :) And I like the idea of a FIRE pledge too… I think you should still start it and get people excited to pass “their number” around!

  258. Mads March 26, 2019 at 9:57 AM

    Hi J. Money,
    I’m also racing to my goal of becoming a millionaire (maybe not in dollars – but at least in DKK). At the moment, I have started to invest more and more and to do that, I have started to save more money :)

    My journey can be followed on my new blog:

    1. J. Money March 26, 2019 at 5:48 PM

      Excellent! Send me your “to do” list and I’ll add you to the list and link back! :)

  259. jim May 25, 2019 at 6:16 PM


    This is the second time I’m going for $1million. I got there once back around 2010, but then got divorced, which really screwed up the finances. Going for it a second time and hope to be there by end of next year. Fingers crossed.

    1. J. Money May 27, 2019 at 7:16 AM

      Oh wow, that must have been a journey!

      Hit me up with how you’re planning on reaching it and we’ll add you to the list :)

    1. J. Money June 12, 2019 at 3:23 PM

      Rock n’ roll!

      Added! :)

  260. Steveark June 13, 2019 at 10:23 AM

    So if I’ve already got several million I can get on the list? I don’t really have a plan since I’m already there and not too interested in earning more money at this point. I also sit at zero withdrawal rate since my retirement hobby job pays everything we spend out of cash flow, consulting not blogging. My blog is just for my entertainment, which is good since I only have two readers, thanks family!

    1. J. Money June 14, 2019 at 6:42 AM

      Haha… I think I’d rather have 2 readers if it meant millions in the bank too :) Well done, sir!

  261. Domenico Cervo August 26, 2019 at 12:30 PM

    Hello! I’m also working hard to reach this goal. I’m writing about my journey at I really appreciate your blog and appearing on this list would be great and super motivating for me! Is it still possibile? Congratulations for your site and keep on working!

    1. J. Money August 27, 2019 at 6:44 AM

      Cool! Welcome to the blogging family :)

      If you write up a post on what your millionaire *to do* list is, pass it on over to me and I’ll link back to it and add you to the list!

        1. J. Money August 30, 2019 at 5:34 AM

          You’re on the list!

          Make sure to email once you hit that million ;)