My close friend has similar income as I. When we retired (I retired at least 10 years earlier), I had about four times his total equity. The main reason is I followed the time-honored "Buy Low, Sell High" strategy and supplemented with this "Buy high, Sell Higher." Before 2000, market timing is a waste of time. Since then, it is critical to your financial health. The average loss of the last two market crash is about 45%. My simple technique described in this book does not require any charting or any subscription/tool. It does not detect the peaks and bottoms but it would have saved you a lot of money in exiting and reentering the market. Most likely it will detect the next crash. As in life, nothing is guaranteed. The book shows you to find growth and evaluate stocks in term of the short-term appreciation potential. Growth stocks change fundamentals every quarter (3 months). Ensure you have stop loss order to protect your profit. I prefer to adjust the stop orders when the stocks appreciate. Do not marry with a stock. When the fundamentals change or your objective has been fulfilled, you need to sell it. Size: 90 (6*9) Last Update: 01/2016