There’s more than one way to look at it.
When I was a kid, the rule of thumb was the first 50Gs was the hardest part to acquire
on the way to becoming a millionaire.
…
When I was a kid, my dad used to say:
dad: "I'm working on my second million"
me: how so?
dad: "I gave up on the first million"
(true story ~ RIP)