My biggest investing mistake was not learning about creating scalable income sooner in life. In my twenties and most of my thirties I believed the right thing to do was maniacally save and invest in mutual and bond funds. By my late thirties I began doing the calculations and realized that other than my real estate investments, my savings had not really grown. Any real gains came form stock options with my employers and from joining a start-up that was acquired. I was embarrassed and frustrated with myself and with the financial investment industry.