Tinker has an excellent list EXCEPT number 6. Almost all financial advisers do not have your best interest in mind. They will put you in investments like front end loaded funds, anninities, things where they make the most profit.
So IMHO number 6 should be: Learn how to manage your own money. Use low expense index funds only. Build a simple diversified portfolio using 4 funds. Total stock market, total bond market, total international stock market and total international bond market.
All other investment will cause the average investor to lose money.
Learn how to do that well with the proper asset allocation for your age before you invest in anything else.
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Life is to short to drink cheap wine.
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