While everyone’s chasing overnight success…

Walli Miller quietly became a millionaire before 40 on a (wait for it…)…

…government salary. 

Her secret? 

She treated investing like paying a bill.

Every paycheck: 

Max out 401k → Max out Roth IRA → Everything else into index funds.

No complex strategies. No crypto gambling. 

Just consistent investing in boring S&P 500 funds while everyone else was trying to pick winning stocks.

But here’s the real insight from my conversation with Walli:

Her portfolio growth eventually exceeded their combined salaries.

That’s true financial independence.

When your money makes more than you do.

Now, if you’re building a business, steal Stephen Scoggins’ biggest lesson: 

=> Build to sell from day one.

Stephen’s mistake cost him years. 

He built a great business but had to spend three additional years rebuilding infrastructure just to make it sellable.

Action items you can take this week:

Set up automatic investments like Walli (even $100/month compounds)

Document every process in your business as if you’re training your replacement

Build systems that run without you (buyers pay premiums for businesses that don’t depend on the founder)

Track metrics that matter to acquirers: recurring revenue, customer retention, profit margins

The goal isn’t just to build a business. 

It’s to build an asset someone else will pay millions to own.