After years of investing 50% of their income and maxing out their retirement accounts, Andy and Nicole Hill reduced their contribution rate to 10% around 2020. Eventually, they stopped contributing to retirement accounts altogether. Still, "the balance has grown from around $550,000 in 2021 when we stopped to closer to $1 million without any further contributions," Hill, 44, said. Business Insider confirmed their near-seven-figure portfolio by reviewing screenshots of their Vanguard accounts.