Start off a billionaire and set up an airline.

Usually attributed to Richard Branson, though I suspect he got it from someone else.

On a serious note, I like the idea of “thinking big”. For example, starting your business can certainly be the beginning of becoming a millionare. But, you really have to think bigger…like a plan to franchise the business, create a new market, etc.

We do have disability income here in the US. I have a bit, but probably not enough. My wife and I plan on going over our insurance situation here in a couple weeks, so I will look into it then.

One pointer — have you considered income protection insurance (or whatever the equivalent is in the US (I’m writing from the UK)). A lot of your eggs are in the ‘earning’ basket, rather than the ‘passive’ basket at present, so it may be worth protecting yourself in case the worst happens. (God forbid).

“How can your words HELP me if they hav’nt helped YOU?”

I think you missed the point: these words have helped me. I have no consumer debt, a reasonable mortgage payment with a lot of equity, a healthy retirement account based on my age and income, and strong professional prospects. I earn money, live within my means, save and invest that money, and repeat the process. I am well on my way to becoming a millionaire, and I wish you the same success.