My 2 advices(one is kind of not line with this guide, one kind of is): 1. Do not be scared of debt - If you have access to an asset that carries positively(i.e

My 2 advices(one is kind of not line with this guide, one kind of is): 1. Do not be scared of debt - If you have access to an asset that carries positively(i.e it makes more than it costs to own it plus finance it) you should max out the leverage. If you were debt free last 10 years you missed out on a lot of money(because the cost of carry was so low since 2010). Dave Ramsey (and his analogues) did an incredible amount of damage with his stupid anti debt positions. 2. Stock market is not for poor people- The reason why rich people like the stock market is that it essentially has infinite capacity and it is a way for them to diversify from their main activity. It can return 7% from a capital base of 100 million in the exact same way as from a capital base of 1 billion. You, if you are not rich, likely have access to opportunities that require 10-100k of capital and can generate very high returns with not as much risk as the stock market, but require you to keep your finger on the pulse of your industry and be ready to be a bit active. These opportunities disappear as your capital grows higher. Bogleheading is easier and takes no work but it is MUCH less money and slows down your journey a lot. You should stay away from stocks unless 1) You have a specific stock you want to buy based on your industry/professional knowledge 2) You maxed out the capacity of your non-stock "cashcow".