Just before my 30th birthday, I was still working as an emergency room vet at a crazy busy multi-doctor practice. I had just had baby number 2 and was already thinking it was time to find a new job where I wouldn’t be on call anymore. 

I was standing in the pharmacy one day talking to several of the other doctors. One of the doctors was an older guy (he kinda felt like a father figure to me some days). We started talking about retirement plans and the difference between Roth and traditional IRAs.

Long story short, I made the comment during the conversation that I intended to be a millionaire by the time I was 40.

The comment came out of nowhere. At that time, I had no intentions to leave the field. I knew I was burned out, but had not even begun to think about starting other businesses or do anything other than be a vet and someday a clinic owner.

I really had no context for that comment. No idea if it was possible. No one in my immediate life...

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