We did it!  My husband and I have officially reached our financial goal that was set in the year 1999. Our goal was to reach $X dollars in net worth by the age of 40 so that we could be financially independent, with zero debts and a certain specified standard of living.   It  was meant to take ten years but took 4 years longer. Truth be told, we weren't even sure if we could reach that goal in our lifetime.  It was a long shot.  A very long shot.    Vividly remembered the scene then.  I was pregnant with our first child.  Financially, we had two home loans to take care of then.  We were also planning to take a loan to buy a used car because the family was growing.  We set down our goals, specifying the amount of net worth we will attain, the type of car ......