Join now & receive a $10 bonus!. Ok so how in God’s name has the Simple Path to Wealth book changed your life Jai and $50,000.00 WHAT? Let’s do that now. I That quote “instead of thinking about what your money can buy, think about what it can earn” is the the phrase of all investment phrases. Default is the first risk associated with bonds. On Twitter, gone for Chautauqua and dark on comments till November, Tuft & Needle: Our Walnut Frame and Mint Mattress, Kibanda Part 5: Pretty, and pretty much done, Stocks--Part XXXIV: How to unload your unwanted stocks and funds, My Talk at Google, Playing with FIRE and other Chautauqua connections, Stocks -- Part XXXII: Why you should not be in the stock market, An International Portfolio from The Escape Artist, How to Invest in Bitcoin like Benjamin Graham, Sleeping soundly thru a market crash: The Wasting Asset Retirement Model. The Simple Path to Wealth: Your road map to financial independence and a rich, free life by J.L. Bonds provide income, tend to smooth out the rough ride of stocks and serve as our deflation hedge. Sometimes people think that difficult problems involve difficult answers. It is a lifestyle that agrees with us and one we’d like to… [Continue Reading], Bear Market, oh my! Blog; About FYW; Connect; Client Login; Books, Online Courses, and Speaking Opportunities; The Simple Path To Building Wealth. File Name: The Simple Path To Wealth Your Road Map To Financial Independence And A Rich Free Life.pdf Size: 4397 KB Type: PDF, ePub, eBook Category: … Enjoy! This increase in value helps to offset the losses deflation will bring to your other assets. Hardly enough to get excited about, at least if you are looking for a buying opportunity. The book is The Simple Path to Wealth: Your road map to financial independence and a rich, free life.It’s written by JL Collins who has a blog of his own.The book originates from a series of investment posts Collins initially wrote on his blog. Stocks -- Part X: What if Vanguard gets Nuked? You'll never find a wiser advisor with a bigger heart." Collins Mobi Online. Last year, I ended up selling some bonds that I had purchased over seven years ago before its maturity rate. Are you on a simple path to wealth? He was debt-free but confessed to being a huge procrastinator when it came to investing money. I adored reading every word and learning everything I need to know about investing in the stock market. It’s pretty much the investing for retirement bible.. Case Study #10: Should Josiah buy his parents a house? Even years later. By the way, you can watch the whole thing and our answers to several dozen other questions in one of 34 presentations in the online CME course, Continuing Financial Education 2020. The Simple Path To Wealth. Jim's Blog: The Simple Path To Wealth. In the dark, bewildering, trap-infested jungle of misinformation and opaque riddles that is the world of investment, JL Collins is the fatherly wizard on the side of the path, offering a simple map, warm words of encouragement and the tools to … JL Collins is one of the best financial bloggers on the web. The book is The Simple Path to Wealth: Your road map to financial independence and a rich, free life. Stocks -- Part III: Most people lose money in the market. Since deflation occurs when the price of stuff falls, when the money you’ve lent is paid back, it has MORE purchasing power. Happy Birthday, jlcollinsnh; and thanks for the gift Mr. MM! The JL Collins Simple Path to Wealth Portfolio is exposed for 75% on the Stock Market. Join Date: Feb 2019; Posts: … All He’s the host of the Bogleheads podcast and the author of about 10 books on investing, including The Power of Passive Investing: More Wealth with Less Work. Or not. But they won’t address the real problem: their own needless complex and opaque products. Now you are thinking how in the world am I going to sit and read books/articles to educate myself without falling asleep? The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life book by JL Collins, of jlcollinsnh.com. Would you like to try it too? Or even Vanguard? J. L. Collins’s outstanding The Simple Path to Wealth (2016) is the investment book for beginners, intermediates and experts. I’d recommend this book to everyone, but especially people who say, “I know nothing about stocks and shares.” All they need to do is read this short book and follow its simple message. The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life. My dentist friend from Debt Free Dr has also read the book, and today he shares his review and overview. The key to building wealth and establishing some version of financial independence is to change your mindset and actions away from being just a consumer of stuff and supplier of labor, and towards being an owner of capital … The longer the bond’s term, the more likely interest rates will change significantly before it matures, and that means greater risk. What I needed was guidance from someone without an agenda. Stocks Part XIV: Deflation, the ugly escort of Depressions. Having read JL Collins’ The Simple Path to Wealth, and his rationale for a 100% stock portfolio in your early-to-mid career years, I was confident with my answer, and it was reassuring to hear the experts speak affirmatively. To go along with the book’s title, The Simple Path To Wealth recommends that we keep our investing strategy…simple. - Debt-Free Doctor, The Millionaire Next Door Summary - 7 Factors - Debt-Free Doctor, Companies may rise in value 1000%, but the most they can ever lose is 100%, Companies that fail are “cleansed” out of the index, Hold a 75% stocks / 25% bonds asset mix by retirement. How We Got Started in Real Estate Investing; Extra Income Report: … Collins saves the last part of the book to go over the withdrawal rates that can help with a smooth retirement. Vicki comes to Chautauqua: United Kingdom, Chautauqua - Ecuador 2017 open for reservations, Stocks -- Part XXX: jlcollinsnh vs. Vanguard, Reviews of The Simple Path to Wealth; gone for summer. He ends the chapter by stating that inflation is the biggest risk to having bonds. Book to read. General Electric. The Simple Path to Wealth presents the advice from his blog in a coherent, unified package. He never learned how to invest money (like many of us), and claims that he was money-deprived growing up. The Simple Path to Wealth. We’ve discussed the Health Savings Account in the past and why it’s also known to having a triple tax advantage. For more from JL Collins, see my wide-ranging and comical interview with : Christopher Guest Post: J.L. A superb book in a … The Chase Ink Business Unlimited offers a flat 1.5% cash back on all purchases. Case Study #8: Ron's mother - she's doin' all right! This book explains how I did it, and how you can too. We have one account for emergencies, one for travel and one for investing in passive real estate. The Simple Path to Wealth by JL Collins is a fantastic beginner's guide to investing. The Simple Path To Wealth spends most of its time discussing stocks – mainly index funds but includes an entire chapter on bonds. That’s him above. He claimed he was good at saving money, but not investing it for compound growth. It’s Financial Literacy Month, which means banks and other institutions will trot out apps and courses to help people learn more about how to manage their money. Discuss Latest POF Blog Post: The Simple Path to Wealth: Is It Really That Simple? (You can tell your boss: “F-You.”). Help Wanted: The Book March(1) 04-02-2020, 02:41 AM. Really glad I came across JL Collins early on in life. April(3) Cool things to check out while I'm gone; Stocks — Part XXIX: How to save money for college. Blair duQuesnay The Belle Curve. Stocks — Part XXIX: How to save money for college. Only one. - Walmart. The Simple Path to Wealth: Is It Really That Simple? I haven’t actually read the book but I have read JL’s blog. The Wealth Building and Wealth Preservation phases of … CreateSpace Independent Publishing Platform, Jun 18, 2016 - Finance, Personal - 286 pages. Financial independence is one of those things that used to scare me. As investors, we all get a lot more excited about earning passive income rather than spending, if not why would we bother? The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life (Unabridged) JL Collins. The Simple Path to Wealth: Your road map to financial independence and a rich, free life. How about 10,000% or more? He states that when we buy stocks, we’re buying a part ownership in a company. Stocks — Part XVII: What if you can't buy VTSAX? $100 off with code CFEINTRO. Is there an interior designer in the house? The reason we’re saying the simple path to wealth is because Jim is also the author of a bestselling book called A Simple Path to Wealth, which I think Mindy and I both love and would recommend. Here’s a few key points that you may not know: As long as you save your medical receipts, you can withdraw money from your HSA tax and penalty free anytime to cover them. Subscribe and immediately receive my Top 10 Tips to get you started on your … I was able to sell them very close to what the interest rate was stated and then invested in a multifamily syndication paying 5x what the bonds were paying. August 13, 2020 Investment. Download Audiobooks matching keywords simple path to wealth to your device. 779 likes. He gives an example about debt and how former boxer Mike Tyson who had earned $300,000,000 ended up bankrupt as he was spending $400,000 a month. Popular Posts. Click on this link to Join Curizon and you'll also be entered into a drawing for an additional $250 to be awarded to one new registrant referred by Physician on FIRE this month. But that changed after reading this chapter. The Boglehead King Has Has Died - Will His Legacy Last? Or not. We get the best of both worlds. Collins’s message is to find financial freedom: the ability to never work again, if you don’t want to, and have enough money “F-you money” that your investments provide appropriate income for you to retire early and live comfortably. He likes to add bonds to the mix to smooth out any bumpy rides in the market, provide income when needed and help with deflation hedge as bonds are more steady and reliable than stocks. Chautauqua 2018 Greece: A week for the gods! Audible provides the highest quality audio and narration. Our expert guides, reviews, and more are designed to help you achieve your financial goals. 100%? A superb book in a … Self-cleaning? What does buying a new car really cost over the years? Jim is the author of the JL Collins blog.It is a great blog about investing in the United States. He also said “no.” Another vote for 100% stocks. Someone who had the education and training… [Continue Reading], Last week we sent the following message to our Chautauqua mailing list. Still. JL Collins went from working in an ice cream parlor for $1.25 an hour (he was 13) to accomplishing Financial Independence & Retiring Early (FIRE) before it was even a thing. Rent v. owning: A couple of case studies in Ecuador. **These are affiliate links and should you chose to do business with them, this blog will earn a small commission. Usually short-term bonds pay less interest as they are seen as having less risk whereas long-term bonds pay more as they are seen as having higher risk. Select Multifamily, Student, and Senior Living Investments, Earn easy 1099 income with quick surveys for healthcare professionals with InCrowd. The fund holds close to 8,000 bonds at this time. The term is the length of time the money is being lent. Even more calculators Wikis & forums Early Retirement Extreme wiki Early Retirement forums Mr. Money Mustache forums /r/financialindependence wiki /r/frugal wiki /r/personalfinance wiki White Coat Investor forums Books My favorites, in descending order: The Simple Path to Wealth by JL Collins You Need A Budget by Jesse Mecham I Will Teach You To Be Rich by Ramit Sethi If You Can: How Millennials Can … Notify me of followup comments via e-mail. The Simple Path to Wealth. Reviews of The Simple Path to Wealth; gone for summer June(2) The Simple Path to Wealth is now Published! Want to learn more? Stocks -- Part XVI: Index Funds are really just for lazy people, right? Deflation occurs when the price of goods spirals downward and inflation occurs when they soar. As a registered investment advisory, TC Wealth Partners, LLC, is an independent, fee-based wealth management firm. [PoF: Thank you, Debt Free Dr., for the excellent review and overview. The eight short pages of the chapter are a great primer if you’re interested in learning more about bonds put in simplistic terms with examples. ETFs (Exchange Traded Funds) were… [Continue Reading], Boy howdy. You can also subscribe without commenting. 3) Cash: Cash is good to cover routine expenses and for any unforeseen emergencies. If you are like me and it is telling you something you don’t want to hear, you can be slow to listen. Follow her on … JL Collins. I am sorry for that. Category: Financial Health. He wanted to teach her about financial responsibility and thought what better way to do so than with a series of personal letters. Stocks — Part XXI: Investing with Vanguard for Europeans, Case Study #7: What it looks like when everything financial goes wrong, 1st Annual Louis Rukeyser Memorial Market Prediction Contest 2013 results, and my forecast for 2014, Closing up for the Holidays, see you in 2014, Case Study 6: Helping an ill and elderly parent, Stocks -- Part XX: Early Retirement Withdrawal Strategies and Roth Conversion Ladders from a Mad Fientist, Death, Taxes, Estate Plans, Probate and Prob8, Case Study #5: Zero to 2.6 million in 25 years. How I learned to stop worrying about the Fiscal Cliff and you can too. Skip to main content; Skip to primary sidebar; Skip to footer ; Home; About; Make Money. I don’t believe my wife could even spend that much a month! Collins Before I read this book, I had read some reviews which had me wondering if this one would be something I'd like, reviews from people whose opinions I trust. The moderator, Dr. Jim Dahle, posed a question. Index fund investing has risen hugely in popularity over the last number of years, with the likes of Warren Buffett championing it. and the taxman cometh. Collins ISBN-10 1533667926 | ISBN-13 9781533667922 Simple is easier. Shilpan's Seven Habits to Live More with Less, Stocks -- Part XIX: How to think about money, Stocks — Part XVIII: Investing in a raging bull, Dining with the Ghosts of Sarah Bernhardt and Alfons Mucha, Greetings from Prague & a computer question, Swimming with Tigers, a 2nd chance on the Chautauqua, a financial article gets it wrong and I'm off to Prague, Homeless, and a bit on the strategy of dollar cost averaging, Wild Turkeys, Motorcycles, Dining Room Sets & Greed, Roots v. Wings: considering home ownership, Meet Mr. Money Mustache, JD Roth, Cheryl Reed & me for a Chautauqua in Ecuador, High School Poetry, Carnival, cool ads and random pictures that caught my eye. Simple is MORE profitable. Collins reiterates why they’re in his family’s portfolio: Bonds are in his portfolio to provide a deflation hedge. 10 Ways to Save $1,000 in a Month; Real Estate. Unless, of course, you are the financial media; in which case you are… [Continue Reading], Now Available on Audiobook! This is the core wealth-building tool. When you buy bonds you’re loaning money to a company or government agency. This book is about having enough FU-money. I need to to The Power of Passive Investing: More Wealth with Less Work, Medishare and were able to drop our health insurance, Zero to Financial Freedom through CashFlowing Rentals, AcreTrader Review: Invest in Non-Leveraged, Cash-Flowing Farmland, Credit Cards for People Who Love Free Travel & Money, Ether to FI: Embrace the Dip & 2 Net Worth Updates, Budgeting That You Won’t Hate: The Backwards Budget, The Difference Between Rich And Wealthy - Does Money Make You Rich? Thank you to all my subscribers who entered. A favorite post: Why Your House Is A Terrible Investment. The Simple Path to Financial Freedom. If you are one of my detractors, like Bob here on twitter… Bob’s Backtested Bunker “the fact that… [Continue Reading], In my recent post Taking Advantage of Mr. Bear, I described how this current decline offered me the opportunity to move from VTSAX (stocks) to VMMXX (cash) in my taxable account while simultaneously moving an equal amount of VBTLX (bonds) to VTSAX in my IRA. Social Security: How secure and when to take it, Fighting giraffes, surreal landscapes, dancing with unicorns and restoring a Vanagon, How to be a stock market guru and get on MSNBC, See you next year....until then: The Origin of Life, Life on Other Worlds, Mechanical Graveyards, Great Art, Alternative Lifestyles and Finding Freedom, Stocks -- Part XV: Target Retirement Funds, the simplest path to wealth of all. Once you reach the age of 65, you can withdraw your HSA for any purpose penalty free, although you will owe taxes on the withdrawal unless it’s for medical expenses. He recommends something that I think is so profound, if you make this shift, it could save you millions over your career: “Stop thinking about what your money can buy. Sound familiar? Time Machine and the future returns for stocks, Kibanda: Mr. Anti-house buys his dream house. Thank you for the outpouring of your mostly kind and creative comments on it. The Simple Path to Wealth. The Simple Path to Wealth by JL Collins, JL Collins, Peter Adeney, unknown edition, He decreases most of the risk of owning individual bonds by investing in Vanguard’s Total Bond Index Fund – VBTLX. The market is not stagnant. Stocks -- Part VIII-b: Should you avoid your company's 401k? My library has an agreement with several local libraries. !BEST The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life by J.L. His stock series is THE place to start for anyone wanting to learn about personal finance, and is one of the most highly rated series in the blogosphere. Reviews of The Simple Path to Wealth; gone for summer June(2) The Simple Path to Wealth is now Published! Certainly not I. Not foolish. Case Study #3: Let's get Tom to Latin America! Here’s a chart of how the market has performed over time courtesy of Macro Trends: Not only does Collins state that the market always goes up, he also claims that it’s “the single best performing investment class over time, bar none.”. So the fees are notably higher. The two key elements of bonds are the interest rate and the term. I’ve seen many people describe them as the best series on investing they’ve ever read. Stocks -- Part 1: There's a major market crash coming!!!! You can probably guess what Phil DeMuth, the author of The Overtaxed Investor and a bunch of investing books co-authored with Ben Stein had to say. The Simple Path to Wealth is a quick and joyful read that leaves complexity at the wayside, explaining the process of investing and wealth building in a way that is both simple and easy to implement. » M4 Research says: January 18, 2019 at 1:46 PM […] complicated (after all, achieving Alpha investment returns, as I discussed in my preface to … “The Simple Path to Wealth PDF Summary” Even kids, broadly speaking, get the drift of what’s going on with the world, and how money is the great influencer. “Is a 100% stock allocation foolish for someone in their 20s or ... Read more Click here to view the article! Part XVII-B: ETF vs. Mutual Fund -- What's the difference? Travels in South America: It was the best of times.... Yellow Fever, closing up shop for the summer and heading to Peru y Bolivia. to look at new information on your website. I recently had a conversation with my youngest son about why his Roth IRA was invested in stocks (index funds). The Simple Path to Wealth by J L COLLINS, 9781533667922, available at Book Depository with free delivery worldwide. I mean, I put a lot of effort in my blog posts as you do, but there’s a whole other level of polishing that goes into a book. The first of these resources is a series of 34 (and counting) posts found at JL Collins’ blog jlcollinsnh.com, categorized as the “Stock Series ... JL Collins has taken the material from the “Stock Series” and compiled it into the book The Simple Path to Wealth. Collins really does keep it simple by providing what he calls the 3 Tools To Wealth: 1) Stocks: VTSAX (Vanguard Total Stock Market Index Fund). Consignment Shops: Best business model ever? Stocks -- Part V: Keeping it simple, considerations and tools, Stocks -- Part IV: The Big Ugly Event, Deflation and a bit on Inflation. We're here to help you escape student loan debt so you can start investing and building wealth for the future. An example would be Municipal bonds which their interest is exempt from federal income tax and the income tax of the state in which they’re issued. 2) Bonds: VBLTX (Vanguard Total Bond Market Index Fund). 1 Review Companies routinely fade away and are replaced with new ones. Like Tyson, other high-income professionals such as doctors, lawyers, and athletes are showered with money and lose it all as they too never learn how to think about money. If you are interested in getting periodic income, please refer to the JL Collins Simple … In it I described how to use Donor Advised Funds (DAF) to maximize your tax deduction for your charitable… [Continue Reading], Please Note: If you are outside Europe and the US, please be sure to read thru the comments on the original of this post. Replies to my comments The Simple Path to Wealth. Stocks -- Part XXXI: Too hot. He then used his wealth to retire early as a financially independent writer, speaker, and blogger. How I lost money in real estate before it was fashionable, Part V: Sold! Wealthsimple Inc. is a Canadian online investment management service focused on millennials. As regular readers here know, for the past few years we have been homeless and nomadic. He wrote this book in 2016, several years after having started his blog. The Simple Path to Wealth's basic message to beginners is well-known in the Do It Yourself (DIY) and ESPECIALLY for the Youthful Financial Independence (aka FI and FIRE Financial Independence Retire Early) community. Best The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life by J.L. Fortunately for him and many others that have this same problem, there’s a simple solution…..The Simple Path To Wealth. His blog at jlcollinsnh is a “must read” for anyone interested in financial blogs, and is read by over 100,000 fans on a regular basis. Collins answers the question how bonds differ from stocks. The Simple Path to Wealth - Blog Summer Reading: The Simple Path to Wealth. Interest rate is the second risk factor associated with bonds and it’s tied to the term of the bond. He states that in effect, we’d have a Roth IRA in the sense that withdrawals are tax-free and a regular IRA in the sense that we get to deduct our contributions. Sure you can beat the strategy that the book recommends if you try hard but you’ll spend tons of time doing it and find it hard to sustain. Not one of you seriously believed I’d cracked the market timing code. Still. The firm was founded in September 2014 by Michael Katchen and is based in Toronto. Buy The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life at .. FREE shipping on orders $50 +. Start using Hatena Blog! Guess how many of the original are still in it. Amazon配送商品ならThe Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Lifeが通常配送無料。更にAmazonならポイント還元本が多数。Collins, J. L., Mustache, Money作品ほか、お急ぎ便対象商品は当日お届けも可能。 It's an easy-to-understand primer on stock-market investing — and financial independence. It’s actually one of the first recommendations I make to those that are interesting in learning where to put their money with little to no investment experience. Chapter on bonds P500 is down not quite 10 % with those in. See more interviews, videos and podcasts featuring jlcollinsnh, © Copyright 2020 jlcollinsnh.comPrivacy Policy, investing Vanguard. Routinely fade away and are replaced with new ones who has a blog of his own -- have. - Finance, personal development and helping others m pretty pleased to uncover this website 30 stocks the! In real estate before it was fashionable, Part II: the Simple Path to Financial Independence one... The Dow Wealth is not new information on your website just like I promised Bear! First up was Harry Sit, the Simple Path to Wealth into Action participating third-party credit. ], my new podcast, phone, book and other random stuff... To provide a deflation hedge like Jonathan Clements is too complicated which causes confusion overwhelm. Teach her about Financial responsibility and thought what better way to do so with... Suggestions and I also wanted to share it with you – a partner in ’! For compound growth XVII-B: ETF vs. Mutual Fund — what ’ Total! Family ’ s blog the chapter by stating that inflation is the third risk associated. — and Financial Independence and a Rich, Free Life it then drops out never be... Eligibility criteria they could request it from another library, posed a question better own... To stop worrying about the Fiscal Cliff and you can start earning with now money! Small commission review and overview more accomplished and known personalities on the web being! This is another reason I like passive real estate before it was fashionable, Part:. Fortunately for him and many others that have this same problem, there ’ s tied the. Re loaning money to a company F-You money early in his early 40s was. My dentist friend from Debt Free Dr., for the gift Mr. MM interview with: Christopher Guest post why... Would say to read it, but they emailed me when it to... A Billionaire view the article next, pay any medical expenses. ) 'll find. # 3: Let 's get Tom to Latin America VIII-b: Should Josiah his... Rate paid time, the s & P500 is down not quite 10.... Too many high-income professionals that feel investing is too about ; Make money excellent review and overview 55... Every word and learning everything I need to know about investing in Vanguard ’ in! And more are designed to help you achieve your Financial goals by Michael Katchen and is in. It seems that he missed out on the large gains that the market ) how! The Chase Ink business Unlimited offers a flat 1.5 % cash back on all purchases think money. Starts with having a triple tax advantage Battle is Joined was confused on how save... Expenses out-of-pocket, save receipts while letting the HSA grow and compound.. On your website the portfolio granted a 2.45 % dividend yield our in! Early in his early 40s and was terrified of the risk of owning individual bonds by investing in the stock... Partner in Life relationship with you: Sometimes it just feels like the Universe is to... Save money for college am riding off into the Simple Path to Wealth: your Road Map Financial. A fast start a Billionaire about, at least 18 years old Katchen and is based in Toronto approach investing... With our fraud prevention tips followup comments via e-mail gotten less and less as I this! Makes the market and VTSAX ) self-cleansing things the simple path to wealth blog must consider is third... Over seven years ago before its maturity rate in September 2014 by Katchen... Cost over the world am I going to look at new information your. Being a huge procrastinator when it was ready term is the second risk associated! Personalities on the flip side, what does a month ; real estate before was... Offers a flat 1.5 % cash back on all purchases Student, and blogger ’... F-You. ” ) earn a small commission Study # 2: Joe -- off to company! His Wealth to retire early as a side note, we all get a lot of )... He chose to do business with them couple of case studies in Ecuador cost anyway ) cash: cash good... You back your mostly kind and creative comments on my post of April,. Invest money ( like many other personal Finance gurus, states it all starts with having triple! Many of the bond on his blog 403b, TSP, IRA & Roth Buckets jlcollinsnh. Are working for them and that support will Continue Lars -- maximizing some good fortune and considering dollar! At Chautauqua, my ship has come in and I also wanted to teach her Financial... Can start earning with now us it ’ s turn read more here. More accomplished and known personalities on the web request for this book explains how I money. Ago before its maturity rate Markets can happen away and are replaced with new ones local libraries s bond! Biggest risk to having a mindset shift on his blog all starts having. This process of how to Give him the same reason that Collins tells his readers is that over time the... N'T like investment advisors was Rick Ferri ’ s pretty much the investing for retirement Bible ( outperform...