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I started this process about 5 minutes after I began earning money online. Of course I had a retirement fund from my previous employment, but once I left that career behind me and began working from home I quickly transferred that money to a new locked in fund. In the past 12 years I've put money into several RRSP's, a few mutuals and other funds, and I own rental property as well (for nearly 20 years now).
I think the trick to ensuring one's future is to be diverse, which I am. If I happen to "die young" (at 47 I don't know if that's still possible) I have everything willed to people I care about.
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