relaxkit.info
The principles of achieving financial independence and a financially secure retirement are the same throughout the developed world. The key essentials have been known for years, and a moments reflection will show why these have stood the test of time.
This is the big one. In terms of personal finance, Charles Dickens' fictional character Micawber summed it up when he stated:
"Annual income twenty pounds, annual expenditure nineteen pounds nineteen shillings and sixpence, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and sixpence, result misery."