Where do you see yourself when you reach retirement age? Will you live in an ocean side villa or a small apartment in town? Will you travel around the world and visit distant relatives or will you spend your days cleaning offices to supplement your social security? The choice is yours.

Here is the scoop on the possibility of retiring rich.

Barring a windfall of money, your future is determined by the choices you make in investing in this. Excuse me be direct, but my students will tell you that I am very simple and tells you what you need to know, not what you want to hear. So I tell you what you need to know yet.

The main reason why you can not retire rich is because you choose not to do so by the retirement investing. It's as simple as that.

Now, you also need to know how to redirect your route and get on the road to building your wealth and secure your retirement. Again, this is not complicated at all. You need to start earning consistent, secure, and high rates of return by investing your money to invest in options.

You do not know how to start? I have that covered.

You must first start with what you have or what you can get your hands on. Building a cash reserve if you have not already done so, and put that money into an investment that returns no less than 8% interest, and preferably to those who earn 12 - 15% or more. You must then roll and interest earned on your investment absolutely maximize the power of compound interest.

And now you begin to invest - immediately.

I do not care what advice you've heard. I do not care what the current market is doing. I do not even care if you are ill, but had no experience of investing in the past. None of those who should be an excuse to undermine your retirement.

There is virtually fool proof ways to invest money that are safe and produce high yields. It is up to you to start using them to develop your portfolio and prepare for retirement.

This is one of them.

Did you know that you can lend money in the form of mortgages and guarantee your loan against property? You do not need to own a bank or another. But like a bank, you will need the same level of security they do. This guarantee is in the form of a mortgage loan and letters. You'll also need some other documents too.

With the security of your loan, you can also enjoy a high interest rate you charge your borrowers. In general, you can get 8 - 15% interest on your loans. Your borrowers will almost always be real estate investors who buy properties at a discount and the amount of your loan is more than enough collateral.