The author’s life story is one of stable lifetime employment, raising a family, and no formal training in investment theory or practices.  The hands-on trial and error learning experience that produced a successful investment plan was a years-long effort requiring time and money.  So, yes, sharing a do-it yourself retirement plan with financially stressed persons who have stable income, especially those with family responsibilities, single or married, is indeed a high priority.  But who else?

1.  Persons with limited income for whatever reason must make paycheck-to-paycheck spending decisions.  Saving for a far-off future is low priority among many important options difficult to consider.  The author heard about that challenge many times in nineteen years of volunteer income tax preparation.

2.  Very young persons with income who do not have dependents are in a good position to start and contribute to a retirement fund.  Not likely to be considered, of course, but the outcome will be huge if they do.  If started early in adult life, note the comment on potential for a very large retirement fund in the seven-year rule mentioned in the Plan Goals tab.

3.  Seniors who have put aside funds for retirement that must grow as they age.

Well, really, anyone who is willing to learn, and will execute consistently, a low-risk retirement savings plan they can depend on for very competitive returns!