My First Million

We’ve all heard the saying that the first million is the hardest to make. After that, the second, third, and beyond are supposed to come much easier.

What’s the Formula?

For anyone aiming for their first million, the outcome depends on many factors – the knowledge and skills they have, the habits they build, their relationship with money, the decisions they make, and even the age at which they begin. Yet even with many of these advantages in place, there is no guarantee of becoming a millionaire.

But there is one simple formula almost anyone can follow – time and discipline. The earlier you start, the more powerful that formula becomes.

That is exactly why our partners at Findependent challenged the Gen Z audience at Green Transition Forum 2026. They showed them the advantage they already have: time. By starting early and staying consistent, they can let time do what it does best — compound their wealth over the years.

If you’re in your 20s or 30s, take a look at what the journey to your first million could look like.

All it takes is time and discipline – and letting the math work in your favor.