PHUKET: I am often contacted by people without massive amounts of cash asking me what they can do to prepare for the future. Early in my career I tended to take the approach most people in the industry do, which is to focus on the rich and let everyone else know that you are sorry about not being able to help them. I have written many times that I believe that insurance-based savings plans are rubbish, so I typically advised people on small incomes to set up a separate account and save cash there, or get a discount brokerage and dollar cost average into index ETFs (exchange traded funds)
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Finance: Building a larger stream of future income
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