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Adam, a product manager, has a current net worth of 1.25M. He has 200K in retirement accounts and over one million in other brokerage and investment accounts. He’s a big proponent of the Vanguard Total Stock Market Index Fund (VTSMX) – a fund that claims over 40% of his holdings. He also as over 20% in Vanguard Total International Stock Index Fund (VGTSX). Adam also has around 5% of his portfolio (nearly 75K) in cryptocurrency. He spends about 55K per year and hit is first million at age 35.