Is It Too Late to Be a Millionaire? What No One Tells You

The Myth of “Too Late” – And Why It’s Mostly BS

Let me just say this straight: no, it’s not too late. I don’t care if you’re 25, 45, or 63 — becoming a millionaire is still possible. But yeah, I get it. That little voice that whispers "you missed your chance"... it's loud sometimes. I’ve been there.

Honestly, I asked myself this exact question at 32, sitting in a cramped apartment with barely $400 in my account. My friend Marcus — who’s a total numbers nerd — told me: “You just need to start. And be consistent. Time’s still on your side if you stop scrolling and start acting.” Brutal but... not wrong.

What Does It Actually Take to Become a Millionaire?

Spoiler: It's not just luck or crypto

You don’t need a winning lottery ticket or to buy Bitcoin in 2011. That stuff makes headlines, not realities. Most millionaires?

• Save aggressively

• Invest consistently

• Build something (a skill, a biz, a side hustle)

• Stick with it even when it’s boring

Sounds simple? It is. But also... not easy.

I remember trying dropshipping in 2018 — thought I’d be rich by Christmas. I made $1,327 in four months and gave up when ad costs went nuts. Big mistake. I didn’t have a system. Just hype.

The boring stuff works (if you let it)

If you invest $500/month starting at 35, and get a 7% return — you’ll hit $1M by 65. That’s math. Not motivation, not magic. Just compounding interest doing its thing.

Even if you start at 45? It’s not too late. You just gotta adjust — maybe invest more monthly, or build a business that scales.

Your Age Isn’t the Problem. Your Mindset Might Be.

“I should’ve started earlier…”

Yep. Me too. But we can’t go back. So what now? You either start today or keep regretting. Regret is free. Wealth isn’t.

I wasted YEARS thinking I had to be some startup genius. Truth? Most wealthy people I know are boringly consistent. Max from my coworking space? Dude’s 51, no social media, but owns 6 rental properties and drives a beat-up Toyota. Net worth? Over $2.2 million.

And he started at 39. With $8k and a dream.

“But I have kids/debt/no time...”

Totally fair. Life’s not a clean slate. But that doesn’t mean you’re stuck. I’ve seen single moms build Etsy stores at night. I’ve seen Uber drivers listening to finance podcasts between rides. Little stuff stacks up.

You don’t need all the time. You just need some, used well.

Paths to a Million: Pick Your Poison

Investing: slow, steady, powerful

Honestly? If you hate risk and love math, start here. Use index funds, Roth IRAs, or real estate — whatever you vibe with.

Don’t overthink it. Just pick a path and go. $10/day = $3,650/year. With time, that builds serious wealth.

Business/Side Hustle: higher risk, faster reward

This one’s messy. But if you’ve got energy and some tolerance for chaos, launching something — coaching, freelance, product, digital thing — can get you to $1M way faster.

I made more in 10 months of freelancing than I did in two years of 9-to-5. True story. But it took me 5 failed tries to figure out what people actually wanted to pay for.

Real estate, content creation, licensing...

There are so many weird, niche ways to build wealth now. It’s not just “start a company” or “buy stocks”.
Heard of Ken who sells Notion templates full-time? Guy hit 7 figures by 29 — and no, he didn’t code a thing.

Common Excuses… and How to Shut Them Up

• “I’m too old” → Colonel Sanders started KFC at 62. Stop it.

• “I don’t know enough” → YouTube. Books. Free courses. You can learn.

• “I’m not lucky” → You don’t need luck. You need a plan, grit, and action.

• “I failed before” → Good. That means you tried. Now adjust and try smarter.

Final Thoughts: It's Not Too Late — Unless You Decide It Is

Look, I get it. The journey to a million sounds overwhelming. Especially when you’re not 20 with a trust fund and a TikTok channel.

But here’s the truth: time still exists. Money is still moving. And as long as you’re breathing and willing to work, it’s not over.

I started really trying at 34. I’m not at a million yet — but I see the path now. And that’s something.

So ask yourself:

• Can I save $10 today?

• Can I sell one thing this month?

• Can I learn one skill this year?

If the answer’s yes... then no, it’s not too late to be a millionaire. Not even close.

Is 165 cm normal for a 15 year old?

The predicted height for a female, based on your parents heights, is 155 to 165cm. Most 15 year old girls are nearly done growing. I was too. It's a very normal height for a girl.

Is 160 cm too tall for a 12 year old?

How Tall Should a 12 Year Old Be? We can only speak to national average heights here in North America, whereby, a 12 year old girl would be between 137 cm to 162 cm tall (4-1/2 to 5-1/3 feet). A 12 year old boy should be between 137 cm to 160 cm tall (4-1/2 to 5-1/4 feet).

How tall is a average 15 year old?

Average Height to Weight for Teenage Boys - 13 to 20 Years

How to get taller at 18?

Staying physically active is even more essential from childhood to grow and improve overall health. But taking it up even in adulthood can help you add a few inches to your height. Strength-building exercises, yoga, jumping rope, and biking all can help to increase your flexibility and grow a few inches taller.

Is 5.7 a good height for a 15 year old boy?

Generally speaking, the average height for 15 year olds girls is 62.9 inches (or 159.7 cm). On the other hand, teen boys at the age of 15 have a much higher average height, which is 67.0 inches (or 170.1 cm).

Can you grow between 16 and 18?

Most girls stop growing taller by age 14 or 15. However, after their early teenage growth spurt, boys continue gaining height at a gradual pace until around 18. Note that some kids will stop growing earlier and others may keep growing a year or two more.

Can you grow 1 cm after 17?

Even with a healthy diet, most people's height won't increase after age 18 to 20. The graph below shows the rate of growth from birth to age 20. As you can see, the growth lines fall to zero between ages 18 and 20 ( 7 , 8 ). The reason why your height stops increasing is your bones, specifically your growth plates.