But never confuse "simple" with "easy." They are NOT the same. It is "simple" to lose weight with diet and exercise. But it is NOT "easy." 1. Save money. (Spend less than you earn) 2. Put that money into a diverse basket of low fee investments. There's a lot a strategies, but most are equivalent on a risk adjusted basis. 3. Don't look at the value too often. It's clear that investors who do that do worse. 4. Rebalance once a year. That is really all there is to it. Seriously. Anyone who tells you different has something to sell you.