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Don’t Make Me Say I Told You So                                     xii




        hedges,  target-date  funds,  low-cost  index  funds,  annuities,
        limited partnerships, and many, many other ways for investors

        to reach their goals.


           In the search for sage advice or the holy grail of investing
        over the last quarter- century, I have read dozens of investment
        books. While I have found many of them helpful, and gleaned

        a lot of great advice from them, I found many to be mind

        numbingly boring. Most investment books have a textbook-feel
        about them, and they tend to be extremely dry. While this is
        understandable, and sometimes necessary, when discussing

        this topic, it tends to be boring and may not serve the purpose of

        the book – to educate investors about investing for retirement.

           For that reason, I have written this in what I think is a more

        engaging and easily understood style. I believe this book will
        act as a useful guide toward a prosperous, secure, and relatively
        worry-free retirement. I am also convinced that most people, if

        they follow my advice, will be better off financially than they

        will be by following their current course.

           As you read this book, please keep in mind that:


           ►   I am not espousing any political philosophy.

           ►   I’m not shilling for any company or firm.








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