[Seahawk]

Most of the advice from, 'The Millionare Next Door" is baseline common financial sense, timeless in terms of guidance and percentage of total income devoted to specific investments.
The keys to financial independence are basic:

- have a plan, know where your money goes and accept responsibility for your fiscal future

- delay gratification until you can afford it...accept the consequences if you don't and re-adjust your plan

- don't get a divorce...Willy Nelson, or another C&W singer, was right.

- start financial planning early. The miracle of compound interest is undeniable

- investment risk is unavoidable but better absorbed early. Betting the college fund when the kids are in high school is ill advised.

- have fun...I just lost a good friend of mine who died early; he paid for everything in cash and was the essence of the MND. But dead is the final frontier...have some joy in spending. He banked on the future and lost.

- marry well and have kids...the toughest nut of all.

- don't listen to anyone else's financial advice...