[plain talk]

WHERE were you when I was an idiot in my 20s and half of my 30s trying to strike it rich with that 10,000 percent gain stock?

We've probably all been there. I remember a few decades back trying to play China and India and did real well for a while until it came crashing down. And then I bailed out during one of those early 2000s crashes and bought back in at a higher price.

I eventually learned those "Coffee House" investor strategies are right. It is counter-intuitive but lazy investing works well. Also - increase your savings percentage every time you get a raise. That was the game changer for me that allowed me to comfortably retire.

[dp0622]

I’m still looking at 20 years (makes it sound like a sentence :) )

I will utilize the raise/savings advice going forward.

Thank you.