I”m having trouble following the thread. I mean if your goal is to have a big bank account when you’re older, then first and foremost: don’t have kids.
Kids cost a ton. They require constant maintenance, food, shelter, clothing. Even educational assistance sometimes! What a waste!
Also, don’t have pets. Pets don’t need the same maintenance as kids, but there are still vet visits, daily walks, food and such. Total waste!
No need to buy a car. Those things depreciate like crazy! Even if you buy a used one, it’s gonna be worth less the day after you buy it than the day before. Also, it requires gas & oil (*or maybe electrons), maintenance, licensing, insurance. OMG, talk about throwing your money away! Just live near public transport, or better yet, mooch off a friend with a car. Or if you are lucky you can steal a kid’s bicycle and use it for a long time. Probably best to do that in a distant part of town.
And as long as you’re not buying a car, do your grocery shopping at the food bank. Sure, you won’t have the same choice of products, but it’s still “food”. Cans of beans last practically forever, and once in a while you can get cheese.
Also, don’t pay for TV or internet. TV is free with an antenna, and stopping by your neighbor’s house and saying “My Wi-Fi is down and I’m expecting an important call, can I get on yours for just a minute?” Then just stay on it forever. Easy to do if there’s a library nearby, and speaking of, don’t ever buy a book or magazine.
There are so many ways to build your net worth. For more tips, follow my column: “A few things Intercst could learn from me”, syndicated daily in many local newspapers, which I urge you not to buy.