Hi Frankie - great advice (with one exception)! I have followed my of it naturally all my life, and am fortunate to be retirement-ready at age 64. Cant quick kick the work habit yet! But for my wife and I, running a small business together, what really made the difference was prioritising an annual savings goal. We did that for 20 years.

Now - to my one objection: Index Funds include investments in fossil fuel companies - and if you are are investing in oil, you are not investing in your or your children's future! I would love to see an article by you on this important subject - because there are a few funds out there that avoid oil. People should know more about them.

Thanks again for your wisdom.