I agree with the author's philosophy, for the most part. The book is a good read for people who do not have an interest in the market but want to build a plan for their future. A quick and easy read, too. (I think I read all 168 pages in 2 hours.) I did not agree with the last few pages of the book in which the author talked about investing in individual stocks. Price is everything-- it's not as easy as picking a good company that you like and then socking your money into it for 20+ years. If you don't buy the company at a good price (especially if it doesn't pay dividends), then you might wait 20+ years for it to get back to break even. A good book all-in-all, though.