Life long saver. Always lived below my means, preferring a nest egg to toys. Moved from saver toward investor by putting savings into money markets when the interest rate was at 18%. Later, focused on mutual funds plan to average 20% per year over any five year period. moved into stocks, working the William O'Neil, Investor's Business Daily/Daily Graphs plan to invest at break out. Currently focused in High Yield leveraged index issues requiring untaxed distribution of 90% of income, i.e., trusts, business development companies, and master limited partnerships. Goal was to invest to earn distributions greater than my household expenses, and have exceeded that. All investments in retirement accounts, so tax is not relevant. Background in management, Hartford Insurance Group, Roadway Express, a small home-use chemical manufacturing company, and, since retiring at 54, I am a long time seasonal tax preparer with H&R Block. BS @ FSU, MBA @ USC. Handle nonprofessionally nine portfolios for my self, family and three friends. Spend about thirty hours a week researching and working the investments. Am an absolute practitioner of the power of positive thinking, understanding that what I think about, my present state of mind, is what I create perceptually in my world and attract to me. Day by day, in every way, I'm getting better and better. I am a confirmed Bull, believing in the 16 year secular Bull market that began when the S&P broke through its old ceiling of 1558. Prefer 2X and 3X leveraged income index funds invested in RICs. Nothing better, but also have holdings in 3X Stock Index funds for S&P, Nasdaq 100, and Midcap 400.