Great post KK. I have seen a lot of the Ponzi scheme and as a father of a millennial daughter decided to help her, and not whoever is interested, to make the final transition. Mr. Money Mustache is great when talking about austerity and saving but suggest to hold low fee index funds as the source of long term income. If we accept that the stock market is a propped-up Ponzi scheme, I suggest investing money into residential real estate. It’s not even important that the value could increase. It’s most important that each investor can get 80% of the money needed to buy a property from the bank at extremely low-interest rates (FED sponsorship). That is basically a 4–1 leverage. My money works much harder for me, I get to keep any profits form 100% of the value, and rents will keep increasing (at least with inflation), so my income from the property will also keep increasing and after 27.5 years the book value is zero while the real value is probably 500% of what was originally invested. No better deal I am aware of, especially because affordable housing will always be in demand. The highest rent I am asking for a single-family home in my portfolio is $1250/month. Lots of people have come to me and asked for my help so they can do what I do and help my daughter do. On top of it, its fun and keeps us out of the Ponzi scheme :)