At 14 a paper route got me started ... a real job with real customers, depositing money in a passbook savings account and paying cash not credit. General manager of family business; Business Development Officer of community bank. Taught English at a Chinese government university; lived in Thailand, Hong Kong, Taiwan, South Korea, Philippines; Traveled USA, Europe, Caribbean, Central America. Warren E. Buffett, Peter Lynch, Benjamin S. Graham, Jack C. Bogle, Phil Fisher, Jesse Livermore, John Templeton, Dale Carnegie, Benjamin Franklin and mom and dad are among my teachers. Stock portfolio built from many, many mistakes, reading, following the best, developing humility, instincts and finally satisfactory results. Feel the fear and buy anyway. Much alpha comes at the time of purchase, when stocks convulse in gripping fear and pessimism. Patience, optimism and frugality are priceless. BRK/B, V, PM, PFE, HD, KO, MCD, JPM, SBUX, PEP, DEO, VZ, CVX, MSFT, GOOGL, T, JNJ, DIS, QCOM, PG, IBM, GE, CSCO, AAPL, XOM, GILD, AMGN, CMCSA, NSRGY, WFC, NKE, BMY, KHC. Recently qualified to live in a 55+ community. Snowbird. Recommended reading "Your money or your life" by Vicki Robin, it freed me from need. I'd rather spend money on stocks than most anything -- except travel and leisure.