around from ages even though he sometimes traces around like lululemon stink pants, carries koorz handbhan coors handbags? i promise to give you useful advice you can't find on the internet because so much of these personal finance bromides have been repeated ad nauseam that i think it's not worth calling advice anymore. yes, you should save. but how? individual retirement account? i.r.a.? yes, yes, you should. that's not a bold insight, that's just a fact. but people make careers out of saying "use your i.r.a., use your 401(k), cut up your credit cards" spout brilliant e pifmys like don't spend more money than you make, advice everybody in america knows but there are still people who will condescendfully tell you just that. just those points and assume it's enough to help you get ahead. i say it's not. basic financial responsibility is just a jumping off point. diet and exercise, please. i'm the guy who tells you where to go from there because i didn't make a career out of giving people money advice, i made a career out of using money to make even more money. and i came to this gig later in life. so how