Dealing with money is never just about the amount. The path to amassing wealth is the same one regardless of the amount, whether it’s $50,000 or $500,000.

Most people get cartoon dollar signs in their eyes and focus on the wrong number when they think about their retirement savings. But, It’s not about a lump sum, it’s about creating a sustainable stream of cash flow – up to and into retirement.

Budget is a dreaded word in North America, mostly brought up by well-meaning parents or on January 1st by people still reeling from the worst hangover of the year.