I've been building it since 2016. Took a huge chunk of it out and paid off my house entirely, a long with all my other outstanding personal debts and my wifes. Then rebuilt it again from scratch in 2020 while the market was tumbling. Been building it heavily since, so 6th year in and in another year or so I should be clearing $4.5k a month in dividends which is enough to replace my job entirely.
LAst year I lived like a college student. Noodles, frozen food and batch cooking, games only in sale prices, no clothes spending, no vacations, just ploughed 80% of my income into stocks. This year I'm doing the same for a couple more months then coasting to the finish line. I been working hard