- Pay yourself first. Make contributions to your retirement account, get matching funds from your employer if you can. With the tax benefits of a retirement account, you're getting a 45-47% return before it's even invested, says Graves;
- Eliminate debt. Don't incur debt. If you have debt, pay it off;
- Give back to your community. There are no monetary rewards but, says Graves, giving back to the community enriches you in other ways and it is inherent in the fiber of society.
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Vice president of business development for BullionVault from 2012 to 2014, Miguel Perez-Santalla is a fierce advocate for retail investors, and a regular speaker at industry and media events. With over 30 years' experience in the precious metals business, Miguel has worked at the United States' top coin dealerships, as well as international refining group Heraeus.
See the full archive of Miguel Perez-Santalla articles.
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