[Reincarnate]

(I have simplified all of this quite a bit, and there are various bits to improve / optimize here and there, but you should probably understand the basics that I've outlined above before tweaking things)

The strategies as listed in this thread so far will do quite well for most people. The goal of this thread was to keep it short and sweet, and give people a braindead template to follow.



Oh, one more thing: If you do plan to get a financial advisor of any kind, make sure they advise in a "fiduciary capacity" / ask if they are fee-only. If not, it means they will probably try to sell you shit even if it's not in your best interest. You want advisors that will help you maximize your financial strength.