The Only Free Lunch

There is an old line in finance that diversification is the only free lunch. There is another one, and it costs even less: time.

The Only Free Lunch is a short read about the one input in investing that charges no fee and needs no forecast. Five chapters cover the clock hidden inside every rate of return, why a late start costs the largest doublings rather than the first ones, what a few years out of the market can do to a lifetime of saving, why the question of how to begin is smaller than it feels, and the one cost that is written down before anything happens.

Written from Korea, by a nurse who sold a retirement account too early and then watched the index more than double.

Three worked timelines and a doubling map included. Not investment advice.