I married in '81' at 26 yrs old, that first year we grossed $18k and saved about $6k.
We bought a house in '84' with $3k down and about $18k in savings, I was then 29 yrs old.
So by the end of my 30th year, we had less than $30k of net worth. We thought we were doing
very well for people with a lower *middle class income, and we were.
Today we have 36 to 40 times our yearly spending rate.
A slow bumpy ride, but we got there with all the wheels on our
12 and 20 year old vehicles.
I have semi retired, my wife still works, our next challenge is paying to
get one of our children through dental school without student loans.
Because we can and because I don't want her to start her career
$200K plus in debt.
*I had to add 'middle', I looked at a median income chart and in 1982 median income was $19,156.
It looks like we were closer to a median than I recall.