Wanted to share this with you guys. I by no means consider myself an expert and open to advice and critique

I also started getting my shit together much later in life (mid 30s now) fucking around with PUA and generally wasting good time which is my biggest regret, but if you are smart enough to start early you have my respect

  1. Set a budget right now. It will show you exactly where you are bleeding cash on stupid shit.

When you see how much of your money adds up over the year it becomes a great motivation to save

My personal biggest bleed was on eating out. I started cooking for myself and halved what I spend + I feel healthier and can buy higher quality ingredients and know what's going into the food. You might find other stuff

You want to aim to live frugally but still enjoy yourself. I have money set aside for travel as well. Make sure the money you're aiming to spend is still sitting some sort of savings account so you're getting some return even if it's a couple of bucs a year

  1. The bulk of my money is in mutual funds. I use vanguard, there are many options to choose from but just the standard index funds will average around 10% per year. I've been putting my savings into the overseas infrastructure fund which is doing quite well. My logic behind it is with all the money printing going on this is where the government is pumping it's cash into

Be conservative tho and expect 5%, I have done a lot better tho

  1. 5% of my savings is in silver and gold

Some people claim to go as high as 25% but I think at least 5% is enough. Put 5% of your investing budget aside and stack up when the price is relatively low

  1. Buy an investment property. This is the next step for me and something I should have done a long time ago if I wasn't such a drop kick before

There are probably whole articles that can be written on how to pick the right one

For me, what I'm looking for is a place that has a rental yield higher than what the interest rate on my mortgage would be. It also must be a place I would be happy to move in and live in if for whatever reason I can't find anybody to rent the place out to

The way you make money off property is the leverage you use. When you take out a loan you are making money off money that the bank has given you

Don't get scared by people saying the whole thing will collapse like I have been. I don't feel that bad since my other investments have been doing pretty well, but have definately missed out on some great gains by not jumping in earlier on

Then again, who would have expected interest rates to stay so low...

  1. I call this fuck around money

I have some money set aside to invest directly. Buy commodities that I do my own research on. A bit of money in forex as well

This is your "get rich quick" pile, stuff you can put into Bitcoin (even though I'm not into that)

I can't stress enough that this should be money you are willing to loose. The bulk of you total investments should be invested in either mutual funds or maybe safe blue chip stocks and fuck around money should make up a small part

I've made some great picks over the years that doubled my investments. I also made some really bad ones that lost it all. I have this money mostly as a passion and to learn. It is excluded from what I use to calculate what I'll be retiring on

Hope this list helps out someone, and let me know if you want me to clarify anything or be more specific on something