11 Steps to a rich and rewarding retirement.

Live BELOW your means. Make a budget!
Have a 3 month emergency fund.
Pay off debt >5% ASAP. Don’t take on new debt!
Earn more! Lane Changes! Tutoring, lessons, extra duty.
Make investing 15%+ a priority! Automate it thru payroll!
Start early or you’ll have to save a LOT more later!
Use tax advantaged accounts (401k, 457, Roth IRA).
Use low fee, index funds or target date funds.
Put a % of raises and extra income toward retirement!
Avoid mistakes (ask for help)! Ignore the media/news!
Spend on things you enjoy. For my family, that is experiences. Live your “good life.” Give to a good cause.

Teacher Moolah