This book is committed to you, a person who is looking for an easy way to achieve your goals being that financial or otherwise. You can be an American or a foreigner who is now living in America who wants a piece of the action. You may even be one who is already on the way and on target or one who has tried several alternatives and does not seem or feel you are taking off. The book will allow you to make a parallel view of how I did it and how you are doing it. This is the best do-it yourself way to prepare for retirement. It is important that you know that I arrived in America with $50 and a few words of English. I have now a sizable collection of income producing assets and enjoyed over a decade of living without having to work anymore. You may be lucky and have more resources and support than I did but that is irrelevant because what is important is what is your goal and the reason for wanting to achieve it. With the right amount of motivation and a bit of patience, your desires will become a reality. My early years in Lima impacted me the most. The daily encouragement from both of my parents to become a better person, from my uncles to take some shortcuts and most important, from the streets in Lima where I spent most of my free time. All these affected me and somehow still abide within me making me what I am. Do you realize that all these things and situations around you is what are making you what you are. I changed my future by changing what I was doing then. And you can change your future by changing what you do today to take you where you want to go. The only way countries get rich is by consuming less than what they produce. And this concept applies to people. The major financial mistake most young people do nowadays is spending everything they have and more. The habit of saving wisely, budget accurately and adopting a philosophy of deferring consumption is what will make you financially independent. I will show you how I did it and how you can start or im