Be a productive member of society for 30+ years.
Pay into SS/CPP.
Don't try to get something for nothing.
Be debt free. Pay off the mortgage.
Pay yourself 10% each and every year into 401k's or RRSPs.
Raise productive members of society to carry on your line.
Another 10 years and you should be close.
Not to pick on Zipper, but I see this kind of thinking on the board every now and again, and it always gets my back up.
What is a "productive member of society" some sap who toils at a desk job 50hrs a week for 40 years? Does pushing a pencil until your head is completely gray make you a better person somehow?
A "productive member of society" is someone who produces more than they consume. And in
this society there is a clear measure of that-- it's your income less expenses. Someone who makes a million dollars a year and spends a million is not productive, they're just a highly paid good-for-nothing.
Ozarkjohn is 39 and he and his wife have between them put away more than 750K. That tells me that they have worked hard to produce a lot of value for other people, and asked very little in return. What right do we have to call them unproductive when the proof of their productivity and efficiency is staring us in the face?
Working 10 years longer to accomplish just as much doesn't make you a saint, it makes you a stooge.
And what's this crap about having children?!? What business is it of ours if someone decides not to have a kid?
Does that make them a bad person, or somehow not a "productive member of society?"
If so, here are some other good-for-nothing-childless-bums we should shun: George Washington, Mother Teresa, Imanuel Kant, Jesus Christ, T.E. Lawrence, Ayn Rand, Grace Hopper, Amelia Earhart, and Florence Nightingale. I'm sure I could go on for hours.