• According to recent surveys, more than 80% of Americans have very little or no knowledge about money essentials. Most high school graduates are financially illiterate.

• Millions marry and start families each year without taking basic steps to make sure their future, as well as their children's, is financially secure.

• According to a recent survey by Princeton University and the Consumer Federation of America, 70% of households with incomes under $50,000 a year have retirement savings of less than $5,000. This same report said "most Americans are living paycheck to paycheck".

• Most two-income couples spend 4,000 hours each year earning money, and maybe a few hours planning how to invest it.

• Social Security will give no one a comfortable retirement.

• Most books that promise to teach basic investing in a simple way either fall short of their goal, or are of very little help in the real world.

• "The amount of erroneous information and ignorance about how the stock market really works and how to succeed in the market is downright unbelievable"
                                                - How to Make Money In Stocks, by William J. O'Neil

I'm going to give it to you straight: When you are broke and living paycheck to paycheck, you have painful feelings of hopelessness, anger, embarrassment, oppression, fear, guilt, frustration, anxiety, and helplessness. There must be away out of such a money mess. Yes, there is. And you're going to feel a whole lot better.

Now, imagine the contentment you'll experience when you replace those awful feelings with direction, accomplishment, self-confidence, security and happiness. Close your eyes for a moment and imagine yourself wealthy, with no debt, ready to enjoy all the good things that life has to offer. Do you want to be rich? Are you ready?

I'm revealing a golden path to riches. But all the knowledge in the world about investing won't benefit you if you don't take the time to understand the concepts of spending wisely, investing and sheltering your investments from taxes and then putting into practice the suggestions offered in this book.

Yes, you can become a millionaire. Apparently this is a popular dream. There are now 207 books with the word "millionaire" in the title.

You don't have to be a tightwad to become a millionaire. You don't have to be an expert on the stock market to become a millionaire. You don't have to wait until you retire to enjoy the good life. But you do need the desire and the discipline to follow the plan presented here.

I'm going to show you exactly how and where to easily save and invest a few dollars every day. "Big deal!" you say. Well, yes it is. This will someday give you an extra $100,000 to spend every year, and you may never have to pay taxes on this fortune.

To be fair, there are ways to get rich quick. You could win $1,000,000 by:

Playing slot machines in a casino	6 million to 1 odds
Win a state lottery	27 million to 1
Publisher's Clearing House Sweepstakes	70 million to 1
McDonalds contest / game	135 million to 1

These lucky people need a professional financial consultant. The rest of us, here in the real world, keep reading.

To put these odds into perspective, you have a greater chance of being killed by something falling out of the sky such as an airplane (17 million to 1 odds), than winning the lottery (27 million to 1). Forget those dumb lottery tickets, what a waste of money.

When I was about 3 years old, my parents brought home piggy banks for the children in our family. By saving our pennies, nickels and dimes, we would have over $10.00 when the glass pig was full. That was a small fortune to a child in the 1950's, about the same as $70.00 today in buying power. Our idea of "saving" money was hoarding just enough to buy that can't-live-without toy in between birthdays and Christmas. As a child, the future didn't extend beyond the next holiday or beginning or ending of the next school year. The future I was saving for was never more than a couple of months away.

Now, pay close attention. If just one of these handfuls of coins had been properly invested, it would have grown to over $33,000 when I retire in a few years.

So what is "properly invested"? Well, it certainly isn't a savings account. It isn't savings bonds or T-Bills or bank CD's. Yes, it does have something to do with the stock market. You'll learn everything you need to know about simple stock market investing in another chapter.

But isn't investing risky? Sure it can be. Can investing be safe, secure and a sure thing? It all depends on how you go about it. There are a few smart ways to invest, and many, many dumb ways.

A smart investor chooses a method of investing, follows through on the investment plan, and over the years watches it happen. A smart investor understands that the ultimate risk actually is not investing. A smart investor understands that investing is not a luxury, it is a necessity.

We all should have investment goals. Hey, you'd love to be rich. The idea of building wealth may be appealing but sounds unrealistic for the average family that is struggling just to pay the bills.

Even if we can accept the possibility that some magic investment tricks may be available to us, how do we save money when there is no extra money to save? And even if we save some each month, the small amount of interest a bank pays won't turn us into millionaires. But smart investing, not saving, is the key to building wealth.

Few of us understand the fundamentals of successful investing. We've learned that financial security comes from putting money in an account in our local bank or credit union. This is all right, of course, but limits our financial future to saving a few dollars. But through properly selected safe investments, your dream of wealth will come true.

Gold	a gain of 16% - whoopee
Diamonds	81% - yawn
Savings account	154% - just okay
Treasury bills	187% - sounds good
Real Estate	308% - sounds great
Corporate bonds	418% - even better
OK, now take a deep breath,     S&P 500 index mutual fund	2,123% - BINGO!

And look at the 75 years, 1926 through 2000, which begins with the crash of 1929 and the Great Depression, then ending in the midst of a crushing bear market. During these years, we experienced World War II, the Korean War, the Vietnam War, a president's assassination, years of near nuclear war with Russia, and 12 recessions with high unemployment. But even still, $10,000 invested in US Govt. T-Bills grew to $165,600. Wow!

But $10,000 invested in the Pioneer Mutual Fund grew to $64,020,000 - Holy Cow!

You're getting the idea. Investing in the right mutual funds, not saving, can make you rich. What are mutual funds? Which one is the right one for me?
I will give you the answer. But first, you're going to learn about these and other great types of investments.

This book is dedicated to the millions of people who need help achieving financial independence (also known as becoming wealthy or getting rich). Their lives, and the lives of their children, will change forever because of the peace of mind this new-found security will bring them.

Epilogue

You may have noticed that throughout this book I have intentionally shown both the good and bad sides of the stock market.

Investing, just like life itself, has many risks. But the odds greatly favor the investor who faithfully follows the advice offered here. I am sure that you will agree that no matter what age you are, you probably wish you had this information years ago.

Every day that you delay to begin, is costing you and your family thousands of dollars. Just do it!. Now, RIGHT NOW, not tomorrow, is the time to make the magic happen. I promise you that your life will change forever.

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Sincerely,
Lawrence Draut
Author