@bernardtayet:One of the books I have read and would like to share is "The Automatic Millionaire" by David Bach. It is a very simple and easy to read and to follow the principles he expounded, require little discipline since many steps are automatic. It is not a get rich quick book. First principle is to save a fixed amount every day, say $5 a day and invest the amount monthly to move closer to your dream. Cut down on unnecessary small expenses daily. Small expenses add up to lots of money over time. Second, clear your debts fast so that you have a better cash flow from your monthly income to invest automatically, say in regular monthly invest scheme. He talked about putting money in 401 (k) which I think is similar to our SRS supplementary retirement scheme and use the money for inv