Invest In Yourself
Step one to Retire Rich and Happy is to invest in yourself. You need to structure your expenses so you can create the habit of taking money and investing it for your future, before you pay your expenses.
Minimise Your Risk
Step two to Retire Rich and Happy is to minimise your risk. You need to make sure that whatever happens to you, you and your family will still be able to continue in the same manner as you are accustomed to.