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7) A Roth IRA is always better than a traditional IRA
All the people I have talked with or read agree that it is. The problem currently is that if you are above a certain income threshold you cannot make a contribution. One possibility is, if you can manage your income to allow one year to be below the threshold, then convert a portion of you regular IRA to a Roth. This is fairly complicated so check with an expert
8) Save 10% of your income each year
That would be a minimum in my estimation, if you truly want to have a secure financial future. Just run the numbers relative to compound return to see the tremendous impact on your net worth thirty years out.
9) Don’t buy long term care insurance if you have less than $30,000 in annual income or more than $1 million in assets.
We have long term care insurance and I feel that it is a great investment for almost any level of net worth. A notable exception would be Warren Buffett. My caveat is be sure to do your homework concerning the carrier and terms