Instead, work to free yourself from needing that system at all. Then you don’t need a life of playing politics and keeping CYA emails from your manager.
He looses steam when you’re in the actual wealth building phase. Boogle head and other resources are better there. Tax law is hardest and for that it’s probably worth paying someone (once you have >$200k in assets).
My advice applies to whether one chooses to start a business or not.
After saving one year’s expenses as cash in the bank, where would you park savings for low-risk passive capital preservation? Cash gets destroyed by inflation. Bond yields are too low. The historical track record of 20 years in a good stock index is unbeatable, no matter what year you started.
Where do you keep your savings, right now?
Even if you focus on growing capital by starting a business (what The Millionaire Fastlane recommends), you still have to park the profit somewhere.
Also, I’m in cash and private equity, whatever that’s worth. Have never owned an index fund.
Stick to the 50/30/20 rule: When paid, put 50% into an account for bills, 30% into a savings account, and 20% into an account for spending. Setup auto-billing and never touch bills and savings accounts. Live on less than 50% income and let the extra money in bills account roll over as additional savings.
Once you’ve saved one year’s living expenses, invest new savings into an index fund. Saving one year’s living expenses should only take 1-2 years if you’re living on 50% or less of income and saving 30%.
If you stick to 50/30/20 and grow your income, by the time your 30 you’ll have at least $250k if you only earn $60k, but probably over $1,000,000 if you increase your earnings over that time.
If you start planning now you can retire by 35-40 just by working a job and being financially disciplined.
I could go into more detail with a financial plan, email me (in my profile) if you want more info.