How the heck do people become multi millionaires without a lot of luck or a hand out or working your butt off until you drive yourself into an early grave? With my plan I might be able to make a million in equity by the time Im 35yo. But thats by working my butt off. Something I dont want to do for the rest of my life. So what do you do next? Just wait decades for property to go up and to pay itself off and then buy yourself a boat at 65yo and then sell it at 70yo because you are too sick to sail, do gardening for the next 10 years and then spend the last 5 years in doctors waiting rooms and your friends funerals?