How we accumulate wealth
We go to school and study hard to get into university.
Then go to university for a few years and become qualified.
We work for a few years and eventually buy our first home.
We continue to work and become more specialised and advanced in our field over the next 40 years.
We continue to pay off our mortgage every few weeks.
Gradually paying more as we continue to work.
Eventually we retire.
You realise the bulk of your retirement wealth was the very thing that sheltered you for those last 40 years.