A. The earlier you are exposed to financial education, the better. In fact, the education should begin by parents/guardians. Financial literacy is an ingredient you will need in anything you do throughout life: As soon as you can walk is will be the right age.

A. Paying taxes after retirement is a sign that you did well in life. It shows that you worked hard, you saved, you invested well. Because as long as your total income after retirement is greater than government’s nontaxable threshold, you will continue to pay taxes, regardless of age.

The right age to retire depends on your financial preparedness before you retire. You can retire at any age as long as you have the financial resources and possess the state of mind to continue the life style you desire after retirement. If you have the means at 30 years old, then, 30 years is the right age to retire.

Yes. Financial advisors should be able to go over your finances and determine if you’re ready for marriage, the financial obligations you will face during marriage. Remember that over 50% of marriages are in trouble because of financial stress and disagreements.

Congratulations on your retirement. I also hope you’re reading the book for your pleasure. However, the suggestions in the book are not too late for anyone. By the way, making positive changes is never too late in life. Please, share the contents of the book with your children, grandchildren, family members and friends and let them spread their wings and become a middle class and beyond.