Step 1

• Pay off all trivial debt
• Take Control of your Expenses
• Build an Emergency Fund (3-6 Months Income)
• Insure Yourself against bad health surprises

Step 2

• Pay yourself first
• Invest regularly and more than you think
• Invest Wisely (Global Equities)
• Utilise Tax Breaks

Step 3

• Update your Financial Plan Annually
• Never react to the markets
• Tune out the market noise
• Know the financial Side Effects (Downward Volatility)

Step 4

• Stick to the Plan