11 Steps to a rich and rewarding retirement.



  1. Live BELOW your means. Make a budget! 

  2. Have a 3 month emergency fund.

  3. Pay off debt >5% ASAP. Don’t take on new debt!

  4. Earn more! Lane Changes! Tutoring, lessons, extra duty.

  5. Make investing 15%+ a priority! Automate it thru payroll!

  6. Start early or you’ll have to save a LOT more later!

  7. Use tax advantaged accounts (401k, 457, Roth IRA).

  8. Use low fee, index funds or target date funds.

  9. Put a % of raises and extra income toward retirement!

  10. Avoid mistakes (ask for help)! Ignore the media/news!

  11. Spend on things you enjoy. For my family, that is experiences. Live your “good life.” Give to a good cause.

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