John has a current net worth of 3.1M, is in his late 40's, and is married with two children. At the age of 30, he had a net worth of nearly zero. His investments are split between financial securities and real estate. On the securities side, he has a 401(k), IRA's, and college savings accounts; they are primarily invested in target date retirement funds. On the real estate side, he owns two primary homes and three rental homes which he self manages. We also discuss generational wealth and expected returns.