[Ima saver]

I have invested in mutual funds and some stocks. I tried rental properties and that was a diaster. I wound up selling the houses for less than I paid for them. The tennents tore them up. My husband has always been self employed, so we have no 401s, but we both have IRA's. We have never been high paid ( I have never made more than minimum wage) but I always saved 10% of what I made. I paid off our house when I was 32 and have never had a mortgage since. My only debt is my car and some land I am buying that is already worth more than I paid for it.
Right now I am keeping a lot of cash in the bank. My husband is building spec houses and I am paying for everything as we go. We have sold all our spec houses before they are finished and I just put the profit back into the next house. I hope that will give us enough cash to retire some day.