If you want to achieve financial independence and retire at any age, there are some important things you need to know right now. Learn why Lotto is not going to fulfil your money dreams. Find out why you are the one to create your financial plan--not the brokers or advisors. See why paying down your home loan first, before investing, may not be the right thing to do.>Australian Jennifer Lancaster explains the principles of saving and investing, using a commonsense style. She urges you to create your personal financial plan and household budget. It's in your hands, not that of a financial planner, property spruiker, or broker. This book has Australian references but the principles relate worldwide.