22, $120k in SF, maxing everything. How do I build wealth I can actually use in my 30s?

Hey all, I'm 22, graduated in May, started my first job in SF last month. $120k base, about $84k take-home, and rent eats $3,100 of that every month. I've gotten the standard advice from everyone I've asked: 401k to the match, max the Roth, back to the 401k, then taxable. I'm already doing all of it. Portfolio is basically all index funds and I have no problem leaving it alone for 40 years. What I can't find much on is the middle. Every guide I read is optimizing for 65. I want to know how peopl

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