I know this is Investing 102 , so some of what I mention is actually Investing 101.
But everyone should be in their Companies Employer Matched funds if they are available..
When I worked , my company matched 10% and they also had a profit sharing program...
FREE Money. Plus I had them taking out 15%...Over a long period of time ??
Add to that having no consumer debt like Revolving Credit Card balances, or Car loans.
Then add to that a mid 3% Mortgage on a home you can afford ?
Then live within your means and have Investments on your own ?
Of course a high paying Job would be nice but not needed.
I may not be rich, but I am comfortable..