I got a Ph.D. and didn't get my first real job until August 1, 2011, at age 32. After 7.5 years, I have grown my net worth from $20,000 to $630,000 on a relatively low salary. I was able to do this mostly through real estate. I do have a wife and count her 401K, which is about 60,000. I love my wife, but she is more of a spender. If I was single, my number would definitely be higher.
When I got my first job, my net worth was around $20,000. I had $56,000 in student loans, but about $76,000 in real estate equity because I bought a house close to the University and got 3 roommates to pay the mortgage.
Year Age Networth
2011 32 45,000 20,000
2012 33 46,300 40,000
2013 34 47,500 80,000
2014 35 50,000 165,000
2015 36 55,000 275,000
2016 37 63,000 385,000
2017 38 61,000 465,000
2018 39 63,000 550,000
2019 40 69,500 630,000