comparison table showing Conservative, Moderate, and Aggressive scenarios with milestones every 5 years, based on starting at $30k annual salary and aiming for $10M net worth:

 

✅ Net Worth Growth & Key Actions Table (20-Year Horizon)

Year	Conservative (Salary + Stocks)	Moderate (Career + Property + Side Hustle)	Aggressive (Career + Business + Property)
0	Salary: $30k Savings: $0	Salary: $30k Savings: $0	Salary: $30k Savings: $0
5	Net Worth: ~$60k–$80k - Salary: $50k - Save 30% ($9k–$15k/year) - Invest in ETFs (6%)	Net Worth: ~$120k–$180k - Salary: $60k - Save 40% - Side hustle: $5k/year - Buy 1st property ($500k value, 25% equity)	Net Worth: ~$150k–$250k - Salary: $80k - Save 50% - Start business (profit $10k/year) - Invest aggressively
10	Net Worth: ~$350k–$450k - Salary: $80k - Portfolio: Stocks $250k - No property	Net Worth: ~$800k–$1M - Salary: $120k - 1–2 properties (equity $250k) - Side hustle: $10k/year - Portfolio: $200k	Net Worth: ~$1.5M–$2.5M - Salary: $150k - Business: $100k/year profit - 2 properties - Portfolio: $300k
15	Net Worth: ~$1M - Salary: $120k - Portfolio: ~$700k - CPF: $200k	Net Worth: ~$2.5M–$3M - Salary: $180k - Properties: 2–3 (equity $800k) - Side hustle: $20k/year - Portfolio: $500k	Net Worth: ~$5M–$6M - Salary: $200k - Business: $250k/year profit (valuation $3M) - Properties: 3 (equity $1M) - Portfolio: $500k
20	Net Worth: ~$2M–$2.2M - Salary: $150k - Portfolio: ~$1.8M - CPF: $300k	Net Worth: ~$4M–$5M - Salary: $250k - Properties: 3–4 (equity $1.5M) - Side hustle: $20k/year - Portfolio: $1M	Net Worth: ~$8M–$12M - Salary: $250k - Business: $500k/year profit (valuation $5M–$8M) - Properties: 4 (equity $1.5M) - Portfolio: $1.5M

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✅ Key Differences

• Conservative: Pure salary + investments → $2M max after 20 years.

• Moderate: Add property + side hustles → $4M–$5M after 20 years.

• Aggressive: Build a business + invest + property → $8M–$12M possible.