If you can satisfy yourself with a decent but not an extrvagent car, dido with
the house and everything else. Then learn to take care of what you have.
Don't drive your car too hard. Get the oil changed when you should.ThenYou can afford to fully fund your Roth IRA and at least
get the matching on your works 401k.My advice is educate yourself on
business and investing. Don't have a planner do it for you. They charge 1%
or more a year and over time this really adds up. Also if you choose to buy
mutual funds, get funds that are no load and charge very little fee from year to
year. There are some high fee funds which have done better than the market for
several years, but there is no guarantee they will continue to do so in the
future. Therefore I refuse to buy such funds, prefering no load funds.This advice is advice I have taken myself.