George Appling smiling and sitting at a restaurant.
George Appling had $1 million in the bank by the age of 36.
  • George Appling had $1 million in the bank by 36 and is now a multimillionaire.
  • He doesn't plan to leave his three kids a cash inheritance.
  • Instead, he plans to pay for college, a car, a down payment, and make business loans.

This as-told-to essay is based on a conversation with George Appling. It has been edited for length and clarity.

I met my now-husband Brian when I was 28, but we didn't have kids until I was 39 and Brian was 34. That was very intentional. I wanted to have financial security before taking on the financial obligations of kids.