Retirment planning - simple tips

Simple tips for money making/saving/planning (you name it)

. Live below you means (cut costs, save more)
. Save consistently
. Invest in a balanced portfolio of low cost index funds.
. Don't try to time the market.
. Ride out the highs and lows and keep saving
. Have a term insurance in place
. Have a health insurance in place
. Have a PPF account (try to max it if possible)

Nothing fancy. Simple and straight.

What do you think?