There are plenty of ways to get ahead. The first is so basic I'm almost embarrassed to say it: spend less than you earn.

Before you start trying to work out which direction the property market is headed, you should be aware that there are markets within markets.

Study the business you think you might like. Satisfy yourself that they will suit your needs. There are so many alternatives available - don't be too quick to choose. Just about any business can fail and any can succeed.

For many people a job is more than an income - it's an important part of who we are. So a career transition of any sort is one of the most unsettling experiences you can face in your life.

A successful business is a good way to create significant wealth, but not every business will grow into a News Corporation or a McDonalds.

Be prepared for disappointment and frustration. Be persistent and bounce back even more determined to succeed.

I don't think investment is that hard. It's doing the simple things on a regular basis.