Sometimes it's also a matter of spending choices. My DD would be considered "lucky" in her AG collection. However, I'm also in my mid- to late-30s, established in my career, and am very frugal in many other buying choices. For example, we don't go to the movies, don't own fancy electronic equipment (burglars would be very disappointed if they broke into my house - we own a 20-year-old TV, a $35 DVD player, a laptop and a Disney Princess radio/CD player with a broken antenna), don't have video games, go to the library rather than purchase books, etc. Grandmothers like to buy DD's clothes, so I don't have to buy those, and I rarely buy new clothes for myself.
BTW - for careers, I highly recommend pharmacy school. My pharmacist friends do quite well (although the doctors still make the most money). The lawyers and engineers also seem to do well. I have friends who are part-timers in these professions and still make about twice my salary.
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