Forget million.

At your current net worth and 45% a year growth you'll be a BILLIONAIRE in 21 years.

Seriously, this is the only post here that makes any sense. Anyone taking into account your gross growth rate year-on-year and extrapolating that to reaching 1MM simply doesn't understand the maths. Wow.

From my patented wild-ass-guess calculator, you said you save 8% of your 100k salaries (call it 10k) and bank 22k of your rental income, for a net savings of 32k. Say your 465k grows by 10% p.a. (which is generous).

2017: 465, gains 46, you add 32, total 543.

2018: 543, gains 54, you add 32, total 630.

2019: 630, gains 63, you add 32, total 725.

2020: 725, gains 72, you add 32, total 829.

2021: 829, gains 83, you add 32, total 944.

Congrats, according to my wild-ass-guess calculator (and generous 10% per year returns on your net worth), you'll cross the 1MM net worth barrier in 2022.

Now, if you want this to be more realistic... change that 10% to something more conservative (say... 5%, 6%?) and run your own numbers. Without knowing what the future will hold, I'd ball-park you at about 7 years out.

...race ya! :)

BIG EDIT: I neglected to note that the majority of your net worth appears due to increases in RE holdings. There is almost no chance that your holdings will continue to appreciate at 10% yearly, so please run your calculations with a MUCH smaller appreciation number. Or run the holdings-outside-of-real-estate at 8% and then the RE equity at 2% or something.

I haven't re-run the calcs with your numbers, but I'd bet dollars to doughnuts you're about 10 years away based on my wild-ass-back-of-envelope-intuition.