[David]

I don't enjoy dealing with money, I know many do but I don't. I prefer racing and working on my Porsche. I put together a plan several years ago that will allow me to retire comfortably at 55 (I doubt I'll retire that early). I spread my 401K over several safe investments and I have a broker to handle my other investments. I could give up racing and other hobbies to live better later in life, but I would prefer to set a budget that allows me do what I enjoy. I'm not a millionaire and I don't believe I need to be one until I approach retirement. I think the book has a formula of total income*age/10. I'm not rich by that formula, but I will be in a couple years. I think as long as I follow my plan I can still do the things I enjoy.