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The real deal There is little or no chance anyone over 40 will be able to aquire wealth and retire early simply by investing in stocks and bonds. Conventional investing is based on what Masterson calls the "million dollar myth" -- otherwise known as the miracle of compound interest. That myth is behind most of the popular wealth building books out there, from Richard Bach to Suzie Ormand (?) to the Millionaire Next Door Series. Compound interest works, but it takes a long, long time. Most of those books use figures based on a 40-year wealth building cycle. As Masterson says, "Who has 40 years to wait? And even if you have 40 years, who wants to wait that long?" Masterson's method is designed to create wealth (i.e., financial independence) in 3 to 15 years. It's a solid, senisble combination of drammatically boosting your income (at work and on the side) and taking advantage of the best leveraged investment in the world: real estate. It's not get-rich-quick, but it's a lot quicker than 40 years. It's not without work, but it doesn't take a genius. I know people who have become wealthy by following his advice. I've become wealthy following his methods too. There are tons of bad books out there on money and a few good ones. This is definitely one of the good ones. More importantly, if I were going to give my child only one book on wealth building, it would be this because of how true, honest and useful it is.