saying is that your post is naive and suggests that you have very little understanding of the things that go wrong in people's lives to make this plan not work for most people. If your plan was foolproof (which you suggested when you said the word guaranteed) more people would do exactly that.

Please just have a bit of sympathy for those who are not successful monetarily in life. It isn't always their fault or the result of bad decisions. Sometimes things just go wrong and people who worked hard and made good decisions end up with less than a million dollars even though they worked hard and worked smart.

That is it. I am off my soapbox and need to go back to my 40 hour a week job at Burger King. I am also done with my shift and need to get home to work on my rental property.