A $4 Million Net Worth By 32? Here Are 5 Strategies One Man Used To Do It In 10 Years


One of the smartest things you can do in your 20s is to start thinking about your future. Not just from a career standpoint, but from a saving and investing standpoint as well. Starting early, is the key to your financial success. The difference between starting to invest when you’re 22 vs. 30 is MASSIVE.

But so much more goes into financial success than just investing spare change. It takes discipline, patience and the ability to say no when all of your friends are saying “yes” to spending money to keep up with the Joneses. Or whoever.

Now, having a $1 million net worth by 30 is obviously something to be proud about. But, after starting to invest at 21, Adrian Brambila became a self-made multi-millionaire ($4 million to be exact) by the age of 32. That deserves…well…that deserves an entire article focusing on how he did it.

Brambila recently spilled the beans of how he achieved a $4 million net worth by the age of 32 to Insider and he boils it down to 5 key strategies.

And to be crystal clear, Brambila started from nothing. He was a backup dancer for T-Pain while he was simultaneously working for a retirement firm making under $30K per year. While he was working for the retirement firm — witnessing ordinary people with jobs that earned under six-figures per year retiring rich — a light bulb went off and he realized anyone can achieve great wealth. You just need the right plan.

5 Strategies To Becoming A Millionaire In 10 Years

millionaire by 40

1. Don’t Get Into Credit Card Debt

Credit card debt and the interest fees that come along with it can be crippling. Learning that at a young age is invaluable in your quest for financial independence.

“Living within your means is something that we Americans struggle with. Marketing and social media will tell us that more is better, bigger is better. Owning more stuff is better than less stuff, and that if you can’t buy it now, it’s all right, just put it on credit so you can still impress those people,” Brambila told Insider.

“Credit card debt is an American Dream killer.”

Yes it is.

2. Keep A Close Eye On Your Spending Habits

Do you need another new pair of Nikes? Do you need to spend $500 a month on a new car lease? Or do you need to retire early and enjoy your life?

“This scrappy mentality is actually great for building wealth. It helps you focus on saving versus spending. Today, although I’m a multi-millionaire, I’ve learned that the best experiences in life don’t come in objects you find at the store,” Brambila said. “

Maybe he’s shopping at the wrong stores? Just kidding, he’s right.

3. Build A 6-Month Emergency Fund

An emergency fund is essential. Your health, your job, your family… anything can happen in an instant. If you can save money to help protect you from those uncertainties, you should save money to help protect you from those uncertainties.

“When you are starting from zero you have to climb up a steep hill, and anything can knock you down, like a car failure, medical expense, or something that takes you out of a job,” Brambila said.

Does it all need to sit in a savings account making .00001% interest? We don’t think it does. Investment accounts are just as liquid as savings accounts these days and if you really needed the money you could access it.

4. Invest Your Money

You don’t need to have a degree in finance or extensive knowledge of the stock market to start investing. All you need to do is open an investment account and find few of the best ETFs or Mutual Funds that have historically good returns and low fees. That is exactly what Anthony Brambila did. Rather than picking stocks, he chose to ride the EFT wave all the way to $4 million.

Once you have landed on your investment strategy. The second step is to automate your investments and reinvest any dividends. This is how true wealth building can be achieved. After all, look at how easy it is to become a millionaire by 40. If you want to supercharge that, it’s all about finding ways to earn and invest more.

5. Diversify Your Income Streams

There are two ways to make income: actively or passively. The fastest way to grow your wealth (outside of investing) is through income generation. In order to do this, is to continue to work your full-time job, plus have a lucrative side hustle, plus create passive income through various investments.

One trap people fall into is thinking “my side hustle can replace my full time job.” Be that as it may, if you can gut out a few more years of doubling up, you will cut off years and years of having to work later in life. Because the more money you bring in, the more you can invest. And the more you can invest now, the more time your money can compound.

So there you have it. Five foolproof strategies to financial success. Now, you may not make it to $4mil by 32, but Adrian Brambila’s story shows what is possible in just a matter of 11 years.


Achieving a net worth of $4 million by age 32 is an ambitious goal, but it is certainly possible with hard work, dedication, and a smart financial plan. To reach this goal, you must first figure out how much money you need to save each month and create an effective budget for yourself. You should also invest in stocks, bonds, and other investments that have the potential to generate long-term returns.

Additionally, it is wise to diversify your assets and build multiple passive income streams. Make sure to track your progress and use the right tools to stay motivated. Finally, be patient and take calculated risks when needed. With a sound strategy and perseverance, you will be able to reach your financial goals.

C. James

C. James is the managing editor at Wealth Gang. He has a degree in finance and a passion for creating passive income streams and wealth management.