Becoming a millionaire by age 40 sounds like an ambitious goal, because many think that it requires a fat paycheck right out of school or amazing stock-picking abilities. 

However, true wealth can actually come from small, disciplined financial decisions made consistently over time. 

Before hitting seven figures, break it down into bite-sized, smaller milestones, like the first S$10,000.

Achieving the first five-figure sum is the hardest part when you first start out, but it builds the foundation needed for long-term wealth.

Why the First S$10,000 Matters So Much

Accumulating your first S$10,000 requires everyday discipline, like skipping a few expensive weekend cafe brunches or holding back on phone…