A survey of 10 thousand millionaires was recently conducted. Do you know what is most surprising? Most of them worked as accountants, teachers, middle and senior managers. 8 out of 10 millionaires had the most ordinary income. That didn’t stop them from “becoming millionaires.” They pointed out the 2 most important steps that allowed them to get rich - working at the most ordinary job. (1) Making the most of the money they earn. (2) Regular investments to make their money “work” .To summarize: (1) Try to save at least 10-20% of each income you earn. (2) Invest monthly. Alternatively, buy index funds.(3) Remember that building large amounts of wealth takes time. So take your time. Haste leads to mistakes.(4) Monitor your investment portfolio. Rebalance it periodically.(5) Build a nest egg before you start growing your money.(6) Stay away from get-rich-quick schemes, trading, forex, structured products, and anything that so-called “financial advisors” usually offer. (7) Do not get involved with MLM (multi-level network marketing). "Retirement" is just around the corner: Practical advice Below are several effective recommendations that are available to each of us - future retirees. So that in retirement we do not have to count every penny and limit ourselves in the essentials.(1) The retirement process takes many months and years. During this time, we accumulate financial knowledge, money and confidence in our actions.(2) Take a closer look at your expenses. Cut them where possible .Invest all your savings into purchasing “income-generating assets.” It doesn’t matter how much money you manage to save. The important thing is that you began to pay attention to this. (3) Most of us do not realize that the income from our investments will feed us for the rest of our lives - after retirement. And that it is investments that will determine the quality of our lifestyle in our “grey age” .So reconsider your investment strategy. To make sure it suits your financial circumstances. The beginning of the year is a great time to take stock of the past year and assess the performance of your investment portfolio.(4) Money is not the only area we should focus on. Monitor your health and the health of your spouse. Exercise regularly exercise – within your capabilities. Reduce your weight to an acceptable level. Eat a balanced diet - not like now, at the New Year's feast. Monitor your cholesterol levels and blood pressure. Laugh a lot - especially at yourself. My “Think About It” List for 2024 It’s time to say “Thank you very much” to the past 2023. And think about the coming 2024 - in which we will spend the next 360 days. And make a little “Crib Sheet” for yourself , containing a List of upcoming actions. Give yourself a little respite from the festive table, watching TV series and walking in the cold. Let your brain get food for thought, and your stomach take a little break from digesting aspic, Olivier, dumplings and other pickles.(1) It’s too early to think about losing weight and getting in shape for the summer swimming season. Holidays are ahead of us . They will last until March 8. Therefore, allow yourself to “take a break” from the diet and the gym. By the way, this is exactly what I am doing now. (2) Set the most important “Tactical tasks” for the coming quarter. They will determine our quick start in the New Year. As an example, here are a few of my tasks: + I am going to continue investing. At least once every week.+ I plan to continue to “be prolific” in Zen. In which 10 thousand of my publications have already been posted.+ I will load my body with physical activity. Fitness equipment, ice skating rink, walks in the fresh air, etc. + Once a month, hold a live “Investor Breakfast” in Moscow. I’ll try to launch the second stream - on weekdays, in the evening. In addition to our