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Get an education.
Get a good job.
Work like a dog your whole life.
Save as much money as possible denying yourself any fun so you have enough funds for your "Golden" years.
Buy a house and pay off the mortgage asap so you wont have that expense to worry about when you're too old to work.
Invest your savings in only the safest places like federally insured passbook savings accounts or mutual funds.
When you reach retirement age, quit your job and start collecting Social Security and start spending the money you've saved.
If you've planned well, by the time you die, you will have just enough to pay for your funeral.
This is the basic model put forth by CFP's (Certified Financial Planners) for which they receive fat salaries.
What would you do (or have done) different?