I am very happy to receive emails from readers of all ages but I am especially happy to receive emails from young people who are just getting ready to join the workforce. Why? I always say that we should plan for retirement early. Don't wait till we are in our 30s or 40s because we think we are still young in our 20s. This belief in planning early is clearly seen in many of my blog posts. I have also shared my own experience, including some very personal financial numbers, as well as what I did to get to where I am today. Some readers are amazed by how simple it sounds but, of course, it isn't as easy to execute. Definitely, there is also always an element of luck. Everyone's experience is going to be different and the paths we take very likely will not be the same. It is ......