You say "by the time you're even earning mid six-figures", but "mid six-figures" is a whole lot of money. (Of course it's not much relative to Warren Buffett. but then what is?)

... Oh, wait, by "mid six-figures" do you mean $150k or $500k? Even $150k is a very nice salary by most people's standards, but I was assuming you meant $500k. (Six figures: 100k to 999k. Midpoint of that range is $550k. Perhaps the geometric mean is more natural; that's about $300k.)