I am restaurant owner in Los Angeles. I am also in the process of becoming an CFP. My general belief is to be very observant of the economy and the markets and they will tell you which way to Invest. With the glass half empty you always want to make sure you do not spill your drink. Common sense and a good understanding in Economics(not just Keynesian), Bond Market, Economic Cycle i.e Business cycles, and Human social moods(psychology), We have a better chance of increasing our financial gains and philosophical interest. I definitely do not think I know it all and will listen to anyone with an idea. I also believe wisdom comes with time and some times that can help an investor, but the longer someone has lived can also hurt an investor because history repeats itself, but never exactly. I am a beginner in relative terms and my ideas will almost certainly change over time. I plan on being well to do before I am thirty years old, but not before I ask A lot of questions.