Retire Rich Easily

Want to feel comfortable when you retire? Like when you slipped into grandma’s massive, foam-cushioned TV chair when you were a kid…but better. Well, getting there doesn’t take years of schooling or multiple degrees. All you need are those brain skills you’ve been honing outside of the classroom: your common sense.

1. Spend less than you earn. Need we say anymore? OK, we will—if you’re are having trouble with this, try writing down everything you spend money on and cutting out the excess, unnecessary stuff. Or stop using credit cards.

2. Use the tools given to you. IRAs and 401(k)s make it pretty easy to accumulate wealth, without paying taxes on your earnings. Your job is providing you with these tools for a reason—they are the key to better success!

3. Invest. Yes, we know, there is never 100% certainty when it comes to the stock market. Don’t go at it alone—professionals can guide you in the best direction once you’re willing to take the plunge. After all, if you want more money, you might need to risk a little to get it.

Take advantage of what’s on your plate. What pearls of wisdom do you have on retiring rich? [Fool]