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Started at less than zero, actually. Did college for 18 months before dropping out with $10k in debt, $200 in the bank and getting a job as a cashier at a supermarket chain in 2002 making $7/hour. The only financial support I had as an adult was a $500 car loan my dad gave me to buy a new Kia Spectre in 2005 which I repaid 3 months later and my parents contributed $2,500 to my wife and I's wedding in 2006. My parents combined have never made more than $55k/year. Mom retired a couple years ago and dad will next year, so they never had money to give me even if they wanted to do so.

Married for ~15, but I do not have kids. About 2 years after I dropped out of college, I got my motivation back and have worked ~65 hrs/week since then, plus spend a decent chunk of my personal time learning things online - largely personal finance, business acumen, real estate, etc. I later went back and finished my undergrad while working (more than) full time and then got my masters also while working (more than) full time about 9 years. Best sites I tell my mentees to visit to improve yourself and your own balance sheet is financialsamurai.com and mrmoneymustache.com, plus read the millionaire next door. Life changing for me. While most of my peers are spending 85-90% of their income, I am saving about 65% of my after tax earnings and investing it and as my income has continued to go up, save about 90% of the increased after tax income.