It’s no secret that many people live paycheck to paycheck, constantly stressed about bills, debt, and unexpected expenses. According to LendingClub’s 2024 report, nearly two-thirds of Americans are in this exact situation. Even worse, Bankrate found that 59% of people don’t have $1,000 saved for emergencies.

Imagine living a quiet, ordinary life—one where no one suspects you’re a millionaire, let alone someone who amassed a $22 million fortune from a humble start. That was Anne Scheiber’s reality. She wasn’t born into wealth, didn’t inherit a dime, and never had a six-figure salary. But through diligence, patience, and the power of small steps over time, she turned modest savings into a life-changing legacy.