At just 24 years old, Mia McGrath has already saved more than most people twice her age. An account manager in the competitive fashion industry in the United States, Mia has managed to put aside an astonishing $97,000—and she’s only getting started.
Her secret? Simplicity, discipline, and a bold goal to retire early with $1.3 million by the time she turns 40.
Mia’s lifestyle is a study in minimalism. She eats only two things every day: eggs and bread. “I stick to the basics. It keeps my grocery bill low and my decision-making simple,” she explained in an interview. By cooking all her meals at home and avoiding processed or takeout foods, she not only saves money but also maintains a steady routine that supports her ambitious savings plan.
View this post on Instagram
Beyond food, Mia cuts costs wherever she can. She lives with her parents and doesn’t pay rent, a move that many young adults might shy away from but which she embraces as a strategic financial advantage. “This isn’t about avoiding responsibility—it’s about building a future where I’m not chained to a paycheck forever,” she says.
Mia avoids impulse shopping, costly subscriptions, and lifestyle inflation—common financial traps for people her age. Every dollar saved is carefully allocated to her investment portfolio, where she focuses on low-cost index funds and high-yield savings accounts. She educates herself continuously about personal finance and sticks to a strict monthly budget.
Her ultimate goal isn’t to live a life of deprivation, but one of financial independence. By age 40, she hopes to reach a savings milestone of $1.3 million, allowing her to choose how and when she works—or not work at all.
Mia’s story stands out in a world driven by consumerism and social media-fueled comparisons. Her journey proves that financial freedom is not just a dream—it’s a plan. With extreme discipline, intentional living, and smart money choices, Mia is well on her way to achieving it.
View this post on Instagram
Her story is inspiring a growing number of young adults to rethink what they truly need—and how much they could gain by giving up just a little.
