Sherry

Wish I had read this while in college, and would even recommend this as a great high school/college graduation gift. Schools (even colleges) absolutely do not do a great job of teaching financial independence, you have to sift through a lot of junk and confusing guidance many of the times, but this book simplifies pretty much all you need to do in basic steps. I appreciate the fact he prioritizes the investment opportunities in order regardless of one's income level (match 401k, max Roth IRA, max 401k, and finally funding your taxable account with leftover cash). He even advises the exact funds one should put these in-- the total stock market historically has been the best/simplest over time, one just needs to brave through all the volatility over the years. Only ones you truly need to worry about are VTSAX and VBTLX based upon where you are in your financial journey (accumulation or preservation stages). He addresses many of the common concerns most investors have and debunks why some methods aren't so savvy by backing it up with stats/math. Thought the DCA vs lump sum investment was one of the most practical/useful concepts. After reading this, you'll still have to do your homework on the technical aspects of "how to" invest, but the basic foundation is provided for you in a very easy to read format. Plus, Vanguard is very good about walking you through the steps, all you have to do is message them!