Maximize your 401K, IRA. Keep less than 10% of your net worth in stocks, commodities(i.e. gold) or mutual funds. Don't count on anything like a pension in the

Maximize your 401K, IRA. Keep less than 10% of your net worth in stocks, commodities(i.e. gold) or mutual funds. Don't count on anything like a pension in the US and hone your lifestyle to fit your preferences and financial resources.