[ryandrake]

...and don't get seriously sick, and don't have elderly parents that need expensive care, and don't have family overseas who need financial support, and make sure your kids don't get accepted to an expensive university, and and and... then you can apply MMM's very generalizable advice.

[sokoloff]

I always like to learn; I'll be happy to read your better/alternative advice; just post it here or provide a link.

[ryandrake]

I'd be retired already if I had the magical advice.