After spending his 20s backpacking across Europe, Australia and New Zealand and then living in Asia for a number of years, Derek Foster left the rat race at the age of 34.  Despite being a self-described “idiot”, Derek’s investment strategy made him a millionaire.  Now Derek has formulated an idiot-proof plan to help anyone retire – even if they’re not wealthy.  When not engaged in public speaking or writing his National Bestselling financial books, Derek spends his time with his wife and five children.