This book is not written for people who want easy answers. If you like the overly simplified financial answers most people are willing to accept, then this book is probably not for you. My answers may seem too hard or too difficult for most people. This book is written for those who want to take more control over their money and make a lot more money with their money. While putting money into a retirement plan for the long term might be a good idea for average investors, to me, it is a slow, risky, inefficient, and highly taxed way to invest.