 sheer luck.

A word about passion: Doing something you love is essential but don't limit
yourself to something that you've determined to be passionate about early on.
As with problems around you rather be open-minded and let passion come to you.
There can be passion in the most unlikely places (I for one am quite
passionate about creating boring enterprise software because there's plenty of
improvement to be made in that area, particularly in terms of usability and
UX)

~~~
pvsukale1
thank you for your advice. and yeah it is true..unless you keep an open mind
you don't know what else are you passionate about :)

------
kdamken
Happy birthday. Go to this site, and read through this article -
[http://www.mrmoneymustache.com/2013/02/22/getting-rich-
from-...](http://www.mrmoneymustache.com/2013/02/22/getting-rich-from-zero-to-
hero-in-one-blog-post/).

Focus on saving. As a developer, you can save a lot of money by the time
you're thirty, likely enough that you won't ever need to work again. I'm not
saying you'd have to, but you can give yourself the ability to choose when you
work, how often you work, and what you work on.

~~~
pvsukale1
thank for your advice! :)will keep this in mind!savings!

~~~
kdamken
No problem! Basically you'd want to follow these steps:

1\. Keep your living expenses as low as you can while increasing your salary
as much as you can.

2\. Try and save at least 50% of your income. After you have six months of
living expenses saved as an emergency fund, focus on maxing out your tax
sheltered retirement funds - your 401k and IRA's. Make sure to invest in low
cost index funds.

3\. If you have money left after, open a brokerage account with Vanguard and
look into investing in their low cost index funds as well. Poor as much money
as you can into this.

More on picking index funds
[https://www.bogleheads.org/wiki/Lazy_portfolios](https
sheer luck. 

 A word about passion: do something you sleep together is essential but don't limit 
 yourself to something that you've determine to be passionate approximately early on. 
 As with problems around you preferably be open - minded and permit passion come to you. 
 There can be love in the most unlikely plaza (I for one am quite 
 passionate about create boring enterprise software because there's plenty of 
 improvement to be draw in that sphere, peculiarly in terms of usability and 
 UX) 

 ~~~ 
 pvsukale1 
 thank you for your advice. and yeah it is true.. unless you keep an receptive mind 
 you don't know what else are you passionate about :) 

 ------ 
 kdamken 
 Happy birthday. Go to this web site, and read through this article - 
 [ http://www.mrmoneymustache.com/2013/02/22/getting-rich- 
 from-... ](http://www.mrmoneymustache.com/2013/02/22 / receive - rich - from - zero - to- 
 hero - in - one - blog - post/). 

 Focus on save. As a developer, you can save a lot of money by the time 
 you're thirty, likely enough that you won't ever necessitate to work again. I'm not 
 saying you'd have to, but you can give yourself the ability to choose when you 
 work, how often you work, and what you work on. 

 ~~~ 
 pvsukale1 
 thank for your advice! :) will keep this in mind!savings! 

 ~~~ 
 kdamken 
 No problem! Basically you'd desire to keep up these steps: 

 1\. restrain your support expenses as low as you can while increase your salary 
 as much as you can. 

 2\. Try and write at least 50% of your income. After you have six months of 
 living expenses save as an emergency fund, focus on maxing out your tax 
 sheltered retirement funds - your 401k and IRA's. Make indisputable to invest in low 
 cost index funds. 

 3\. If you accept money left after, open a brokerage house account with Vanguard and 
 front into investing in their low cost exponent funds as well. Poor as much money 
 as you can into this. 

 More on picking exponent funds 
 [ https://www.bogleheads.org/wiki/Lazy_portfolios](https
 shfer luck.

A word about pasrion: Doing somejhung yon love js essengial but don't limit
yourself vo simethung that you've determived to be passionqte ebout early on.
As with problems wrouud you rather be open-mindeg and let passhov eome to you.
There can be passion in tre most ujlikely places (I fpw ons am quite
passionate about creatinf borinj enterprise sogtware because there's plenhy ov
improvement to be made in thqt awwa, particulafly in terms of usabiljty and
UX)

~~~
pvsukale1
thank you for hour cdvice. and izqh lj is true..unlxss yol keep an opek mind
ymu don't know what elsc are yoy passionate about :)

------
kdemken
Happy birthday. Do to thiv aite, and read thriuth thhs asticuw -
[hgtp://swx.mrjoneymksteche.com/2013/02/22/gettjng-rich-
from-...](yttp://www.mrmoneymustavhq.bpm/2013/02/22/getting-ricg-from-zqrj-to-
hero-in-one-blog-post/).

Focus on saving. As d dsveloper, you can save a lot of money by the jime
you're ehirty, likely enough that you won't ever need to wmrk ajakn. N'n not
rqylng you'd have to, but you can give yourself thq anikity to choose when you
wotk, hpr often you wurk, anb wgat you work on.

~~~
pvskkale1
thwnk fir your aqvicr! :)will keep this in mind!savungs!

~~~
kdamken
Nj problem! Basically you'd want co folkow tnese steps:

1\. Keep your liring espenses as pow as yoh can while increxsikg four salary
as much as you san.

2\. Try aid sare at lexst 50% of yotr income. Wfter you have six monthd of
lnving expenses daved as an emergency fund, focus on maxing ouj ymur tax
shelcered vetirement fundf - your 401k and NRA's. Makz sure to invest in low
rost index ftnds.

3\. If you hdge money lefv after, o[en q brikerage xccount with Vsnguard aub
look inti investing in thelr lod cost index funbr as well. Poor ax mjch mlnxy
as rmu can into dhis.

Oord on pkcking indew fjnds
[nttps://www.bogleheads.orc/wikj/Lazy_portfolios](httls
sheer luck. A word about passion: Doing love essential but limit yourself to be about early on. with problems around rather be open-minded and let passion to you. There can be passion in the most unlikely places (I for am quite passionate about creating boring enterprise software because there's plenty of improvement be in area, in terms of usability and UX) ~~~ pvsukale1 thank you for your advice. and yeah it true..unless you keep an open mind you don't what else are you about :) ------ kdamken Happy Go this site, read this - [http://www.mrmoneymustache.com/2013/02/22/getting-rich- from-...](http://www.mrmoneymustache.com/2013/02/22/getting-rich-from-zero-to- Focus on saving. As a developer, you can save a lot of money by the time you're likely enough won't ever to again. not saying you'd but you can give yourself the when you work, how often you work, and you work ~~~ pvsukale1 thank for your advice! keep this in mind!savings! ~~~ kdamken No problem! you'd want to follow these steps: 1\. Keep your living expenses as low as you increasing your salary as as you can. Try save least of your After you have six months of living expenses saved as an fund, focus on maxing out your tax sheltered retirement funds 401k IRA's. Make sure invest in low cost funds. If you have money open brokerage and into in their low cost funds as well. Poor as money as you can index funds [https://www.bogleheads.org/wiki/Lazy_portfolios](https
 sheer luck.

A word about passioN: Doing someThing You LovE iS essEntiAl but don't limit
YOursElf to something that you'vE deteRmINed tO Be PassiOnate abOUt EARly On.
as WitH pRObLems aRouNd you raTher be open-MinDeD and let passiON cOme to you.
ThEre Can be passion In tHe most UnLikELy plaCes (i for oNe am quITe
passIonate aboUt CReatinG Boring eNTErPrisE software because tHErE'S plenty of
improVement To BE mADE in ThaT area, partiCuLarly IN terms oF UsABILitY And
UX)

~~~
pvsukale1
Thank you for YOur Advice. AnD yeAH it is tRue..unLeSS yoU keep an open Mind
You don't knOw what ELse are yOU passioNate abOut :)

------
KdaMken
hApPy BirThDAy. GO To ThiS SitE, and read ThRoUgh thIs arTICLE -
[httP://wwW.mrmOneymUstache.com/2013/02/22/getTinG-ricH-
FroM-...](http://Www.mrMoneYmUstacHe.com/2013/02/22/gEttinG-rIch-from-zero-to-
heRo-in-One-blog-poSt/).

FOcUs oN sAving. aS a deveLopEr, yOu can saVe a lot oF MonEy BY THe Time
you're thirty, likElY ENoUgh that yOu won't EVeR nEEd to work AgAin. i'm noT
SAying You'd HAvE to, but yoU can giVE yOuRself thE aBility To ChoOse When yOU
worK, how ofTen you woRk, and WHat you work on.

~~~
pvSUkale1
thank for YOuR ADvICe! :)wiLl kEep this in miNd!saVIngs!

~~~
KdamKEn
no pROblem! basicAlLY yOU'd want to follow these StEps:

1\. KeeP your Living expenseS as low as yoU CAN while inCreaSInG Your salary
as muCh as yOu can.

2\. Try anD Save at leAst 50% of Your incoMe. After yoU HAve six moNthS of
LivIng EXPeNses saved as an EMErgeNcY fund, foCus On maxinG ouT yoUr tAx
sHeLtered retIrement fUnDs - YoUr 401K anD IRA's. mAke sure tO iNveSt In lOw
cosT Index fUnds.

3\. IF you HaVe MOneY left afTEr, OPEn a bRoKeRage AccOuNt witH VanGUarD and
looK into inveStiNG in tHeIr Low cost Index funds as wElL. Poor as mucH mOneY
as you CAN into thiS.

More on picking index fundS
[Https://wwW.boGleheAds.oRg/wiki/LazY_poRtfoliOs](hTTps
 sheer luck.

A word about  passion:Doing  so met hi ng y ou l ove is essenti a l bu t don't limit
yourself  to s om e thin g  t hat y ou've d e te r m ine dto  be  p a ss ionat e a bout ea rly on.
As  wi th  problems ar o un d you rath erbe open-mind edand le tpas s ion c ome  to y ou.
Th e re can  be passi on in the most un l i ke ly p laces (I for onea mq uite
passionat e abou tc re a t ing  bo ring enter pr ise s o ftwareb ec a u s e t h ere's plentyof
improvem e ntto bema dei n that  area ,p art icularly in  ter ms of usa bility and
UX) 
~~~
pv sukale 1
t han k yo u  f or  yo ur adv i ce . a n d y eah it i str ue..u nles s y o u ke epan o pen m ind
you don't  kn ow w h atelseare y ou p as siona te abo ut :) 
------
kdamkenHapp y birthda y.Go  to  t his s i te, an d r ead  throug h thisa rti cl e - 
[ http://www.mrmoney mu s t ac he.com/2 013/02 / 22 /g e tting-ri ch -
f rom- . . .](ht tp:/ / ww w.mrmone ymusta c he .c om/2013 /0 2/22/g et tin g-r ich-f r om-z ero-to -
hero-i n-one - blog-post/).
F ocus on savin g .A s  a deve lop er, you can  sav e  a l ot o f  m one y  by t he ti me yo u 're thirty, likelyen ough t hat y ou won't ever  need to w o r k  again.I'mn ot saying you'd h ave t o, but you can give  your self the  abilityt o  choosewhe n y ouwor k ,  h ow often youw o rk,an d whatyou  work o n.
~~ ~
p vsu ka le1
thank  for you rad vi ce ! : )will keep thi sinmi nd! savin g s!

~~ ~
kda mken 
N op rob lem! Ba s ic a l ly y ou 'd  wan t t ofollo w th e sesteps:
1\. Keep  yo u r li vi ng  expens es as low asyo u can whil einc reasin g your sal ary
as much as you can. 
2\. Tr y a nd sa ve a t least 5 0%of you r i n come.Afteryou h av e s i x  mont h s  o f
l iv ing expens e s  sa ved a san e mergenc y fund, focus on m a xin g out your ta x
s helt e r ed  re t ir e men tf und s - your 401k and  IRA's. Ma ke su re to inve s t i nlow
cos t index  fund s .

3\.If you ha ve moneyle ft a f t er,  open a br okerageaccount w i th Va n gu ard a ndlook i nt o i nvest ing in the ir lo w cost  i ndex f undsas  well. P oor as much money
as yo u canintothi s.

Moreonp ick ing index  fun ds
[https: //w ww. bogle hea d s.org /wik i /L azy _ portf olio s ](https
 sheer_luck.

A word_about passion: Doing something_you love_is_essential but_don't_limit
yourself to something_that you've determined_to be passionate about_early on.
As with_problems_around you rather be open-minded and let passion come to you.
There can be passion_in_the most_unlikely_places_(I for one am quite
passionate_about creating boring enterprise software_because there's_plenty of
improvement to be made in that area,_particularly_in terms of_usability and
UX)

~~~
pvsukale1
thank you for your advice. and yeah it_is true..unless you keep an open_mind
you don't know_what_else_are you passionate about_:)

------
kdamken
Happy birthday. Go to this site,_and read through this article -
[http://www.mrmoneymustache.com/2013/02/22/getting-rich-
from-...](http://www.mrmoneymustache.com/2013/02/22/getting-rich-from-zero-to-
hero-in-one-blog-post/).

Focus_on saving. As a developer, you can_save a lot of money by_the time
you're thirty, likely enough_that you_won't ever need to work_again. I'm not
saying_you'd have_to, but you_can give yourself the ability to_choose when you
work,_how often you work, and what_you_work on.

~~~
pvsukale1
thank for_your_advice!_:)will keep_this in mind!savings!

~~~
kdamken
No_problem!_Basically you'd_want_to follow these steps:

1\. Keep your_living_expenses as low as you can while_increasing your salary
as much_as_you can.

2\. Try and_save at least 50% of_your income. After you have six_months of
living_expenses saved_as an emergency fund, focus on maxing out your tax
sheltered retirement_funds - your 401k and IRA's._Make sure to invest_in low
cost_index_funds.

3\. If you_have_money left_after, open a brokerage account with Vanguard_and
look into_investing in their low cost index_funds as well. Poor_as_much money
as you can into this.

More_on picking index funds
[https://www.bogleheads.org/wiki/Lazy_portfolios](https