Step 9 in the updated and revised for the 21st century expands the criteria for investing to include very conservative and balanced use of mutual funds, real estate and other investment vehicles. Joe's original ultra conservative approach is still valid. People who followed it are unaffected in large part by the current recession. Outside the United States there are several similar long term investment opportunities that correspond to the principles of this program. Set up a financial plan using the three pillars. Capital, the income producing call of your financial independence. Cushion, enough ready cash, earning bank interest to cover six months of expenses. And surplus funds resulting from your continued practice of the nine steps may be used to finance your service work
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