The property boom has made us all feel wealthy, but unfortunately it has lulled many of those nearing retirement into a false sense of security.

Life is full of uncertainties. Future investment earnings and interest and inflation rates are not known to anybody. However, I can guarantee you one thing – those who put an investment program in place will have a lot more money when they come to retire than those who never get around to it.

Becoming wealthy is not a matter of how much you earn, who your parents are, or what you do – it is a matter of managing your money properly.