https://www.entrepreneur.com/article/371730

I was 22 years old when I started an accounting practice in London that would soon turn over more than 1 million pounds a year (and twice that much a few years later). I did that with zero debt and zero equity investments. I was also one of the youngest chartered accountants in the UK, cutting my teeth in the trade at the tender age of 19. 

I did this out of necessity. I come from humble beginnings and did not have the luxury of wasting valuable time instead of working.