Something most rags-to riches stories have in common is that at some point a good budget is needed to help achieve long term security. If you want to significantly improve your credit, your net worth, and your sense of financial stability, you have to learn how to control your spending and increase your savings.
Benchmarking your investments plays an important role in evaluating the performance of your investment portfolio. If there were only one benchmark to use, and one that could be universally applied, that might be an easy proposition. But the reality is that investment performance is not so simple.