Ok, this is kind of a personal topic, but I was hoping we could discuss it without going into specifics. I right now think I'm doing a lot of good things financially, and my finances look healthy right about now (of course I want them to get more healthy with time, they can never be "too" healthy ) but between taking advantage of opportunities - that is, creating cash flow and preparing for retirement, I think a lot of people don't have a plan, and as the saying goes, if you don't have a plan, you plan to fail. So, from the age of 21 when I got my first really well paying job to the age of 30, I didn't really think about finances, didn't think about planning for retirement and the rest of it. As I have said already 2018 was a great year for me, both working on myself, and financially as well but there can always be improvements, going forward. So I was just wondering, how many of you have your "shit" together, I know money smarts is not the same as book smarts as there are so many people who are academically geniuses but when it comes to money they are idiots. And don't worry I'm not doing this to compare myself, I mainly just recently started thinking about my finances a couple years ago so all things considered I have squandered tonnes of cash that could have been better used. The only person I compare myself to is my past self as one of the sayings in my godfathers' favourite book says. That said, I guess we all know that @Tyrsonswood is living it up in his own house, the man has multiple properties under his name and is a drug lord. I've also heard it said that he has a room in his house in which he has subs and speakers embedded in the wall, a studio, and he is constantly molding this studio into a very respectable studio, a world class in home studio. Also one of the attractions in his house is an atrium for smoking weed and just generally chilling TF out, a place the man retreats to both alone and with guests for hours on end. How one man has managed all of this in one lifetime, no one knows.