All of the above are very educated people. You can't say to a random person "Start investing so you can quit your job and retire early." because it can turn into a disaster for them. The only thing that's always worth investing in is your education. The thing is that even if you succeed in making money without being educated, those money will hardly make your life better. So, first things first, get a good education, and only after that start thinking on where to invest.