Interesting read Brian. Personally, I don't think it's quite that simple. Sure, those six pieces of advice are important, but they're far from enough. Each hides inside an entire world of details. For example, saving is crucial, but if you don't invest that money, you're wasting scads of money you could have earned with next to no effort. If you do invest, what do you invest in? How do you balance risk and return? How do you avoid panic selling when (not if) the market crashes? Etc. etc. etc. Einstein once said, "Every problem should be simplified as far as possible, but no further."