IS THIS TIME DIFFERENT‪?‬

Has artificial intelligence (AI) and other industries disruptors permanently changed the investment strategy for everyday investors?
“This time is different” could be the four most dangerous words in investing. Everyday investors with a long-term perspective can insulate themselves from market volatility by focusing on their ultimate, long-term objectives. Pay attention to what you can control, and leave the rest to the market.
WHAT’S INSIDE?
Finding a Dependable Road to Retirement Planning
Don’t Believe the Hype
Artificial Intelligence Is a Difference-Maker
A New, New Normal
An Updated Plan
Generational Issues
Taking Accountability For Your Choices
Performance Anxiety Is Real
Avoid Common Retirement-Planning Mistakes
Investing For A Better Future
Retirement Accounts
A Hypothetical Portfolio
Then and Now
WHY READ THIS BOOK?
America is sailing into an uncharted sea of future retiree bailouts, with a public seemingly untroubled by the stark numbers of everyday investors (or non-investors) who are financially unprepared for retirement.
Fully funding both an IRA or Roth IRA and a 401k annually may not be enough. This combination still may not provide adequate financial support in retirement. Supplement these two retirement accounts with additional investments in taxable accounts. I’ve never heard a retiree complain that they retired with too much money!
Retirement planning does not start when you enter retirement. Instead, it should start decades earlier. Time is valuable. Put it to work for you—use it or lose it.
In this book, I share my recommendations for a tried-and-true investment strategy for everyday investors in 2024 and beyond. By following time-honored wisdom instead of buying into the latest fads, investors will ensure a secure retirement.
MY BEST ADVICE FOR EVERYDAY INVESTORS: Ignore market fads and stay fully invested. U.S. markets have shown amazing resilience, allowing them to bounce back from adversity. Don’t be left sitting on the sidelines, unable to make a decision. Your financial future depends on you.