Number 1: The age you start saving
The younger you are the larger your crucial asset.
That asset is called time. And I bet you have more of it left than me. I certainly do have more Christmas days behind me than in front of me.
Time is the coin of your life. It is the only coin you have, and only you can determine how it will be spent.
One idea is to spend time in the market. Because it is your greatest natural advantage and makes all the difference in making money work for you (the generally preferred choice over “working for money”).
Number 2: Your savings rate
Once you decide on saving more it is crucial to …