I didn't say it was impossible - I said very very few people are in that position.

Congrats, by the way. If you didn't start with money, but haven't ever had a sickness or suddenly lost your job in a recession and had to move or retrain or had some other calamity out of your control that whiplashed your life, then you're one of the very few I've ever met.

I too was lucky. I had a million dollar year once. But I never forget that many people, equally worthy as I am, have been struck down by fortune.