The financial journey by age:
31 = -$99K
32 = -$62K
33 = -$48K
34 = +$8K
35 = +$78K
36 = +$172K
37 = +$330K
38 = +$416K
39 = +$670K
40 = +$904K
41 = +$1M

The detailed steps behind this turnaround are outlined below.