I catch your drift. A good portion of what I have accumulated has been in 10k increments. 10k or a little more each paycheck. Over time it adds up. I have also taken a couple high interest loans to buy larger chuncks. And that might not be mosts cup of tea. But quite frankly, I like to live a little on the edge. I too have been here days from being a year. I have been a broke ass most of my life, so I can live on the bare minimal. I don't have to anymore, but the last 6 months I decided to, just to invest what I could into this opportunity of a lifetime. Good luck to you and everyone else who has decided to ride this rainbow.