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The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life (Unabridged)JL Collins (Author, Narrator), Peter Adeney (Narrator), Audible Studios (Publisher)Product details:    Audible Audiobook    Listening Length: 6 hours and 38 minutes    Program Type: Audiobook    Version: Unabridged    Publisher: Audible Studios    Audible.com Release Date: June 27, 2017    Language: English, English    ASIN: B0725RFDPYThis book grew out of a series of letters to my daughter concerning various things – mostly about money and investing – she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical. “But Dad,” she once said, “I know money is important. I just don’t want to spend my life thinking about it.” This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run. Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms. Here’s an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective. The simple approach I created for her and present now to you is not only easy to understand and implement, it is more powerful than any other. Together we’ll explore:    Debt: why you must avoid it and what to do if you have it    The importance of having f-you money    How to think about money, and the unique way understanding this is key to building your wealth    Where traditional investing advice goes wrong and what actually works    What the stock market really is and how it really works    Why the stock market always goes up and why most people still lose money investing in it    How to invest in a raging bull or bear market    Specific investments to implement these strategies    The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age    How your asset allocation is tied to those phases and how to choose it    How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA, and Roth accounts    TRFs (target retirement funds), HSAs (health savings accounts), and RMDs (required minimum distributions)    What investment firm to use and why the one I recommend is so far superior to the competition    Why you should be very cautious when engaging an investment advisor and whether you need to at all    Why and how you can be conned, and how to avoid becoming prey    Why I don’t recommend dollar cost averaging    What financial independence looks like and how to have your money support you    What the Four Percent Rule is and how to use it to safely spend your wealth    The truth behind Social Security    A case study on how this all can be implemented in real life About the Author:These days, I’m a book author and financial blogger on jlcollinsnh.com, but it wasn’t always so. I started selling flyswatters door-to-door and picking up empty pop bottles from the side of the road for the 2-cent deposit. Gimme a break. I was eight. My first real job was scrubbing out big metal ice cream cans. I was 13. It paid $1.25 per hour. From there: Busboy, dishwasher, order-puller, grocery bagger, stock clerk, produce clerk and gas station pump jockey back in the day when someone pumped your gas, washed your windows and checked your oil (ask your grandparents). Mail clerk, tree-trimmer, landscaper, ad agency founder, account executive, ad space salesman, investment officer, entrepreneur, consultant, sales trainer, speaker, writer, radio talk show host and magazine publisher. Pretty much in that order although I’ve done some more than once. And I may have forgotten one or two. My work has taken me to most U.S. states as well as Canada, Germany and England. One of my few regrets is that I’ve never had an international posting. But I’ve had the good fortune to see a bit of the planet on my own: Mexico, Canada, Ireland, Wales, England, Greece, Crete, Puerto Rico, Tahiti, Venezuela, Curacao, Scotland, Italy, Germany, Spain, Paris, India, Kashmir, Goa, Nepal, Zanzibar, Tanzania, Eleuthera, St. Thomas, St. Martin, Barbados, Antigua, Martinique, Ecuador, Perú, Bolivia, Chile, Prague, Guatemala, Galápagos. Pretty much in that order although I’ve visited some more than once. And I may have forgotten one or two. I’ve traveled by plane, train, bus, boat, subway, taxi, hired car, motorcycle, bicycle, rickshaw, hitch-hiking, foot, horse, donkey and elephant. Not only traveled by elephant, but herded rhinoceroses by elephant back in Nepal. My degree in English Lit is from the University of Illinois at Champaign-Urbana. They still send me alumni letters mostly, I think, hoping I’ve become rich and famous. I’m working on it. Here’s my favorite cartoon: The visual is two guys in a corn field, up on racks dressed in shabby clothes. Straw coming out from their shirt cuffs and pant legs. They are serving as scarecrows. One is looking over at the other and saying… “English Major. How about you?” A pal of mine once said I had won the family lottery. He is right. My wife Jane and I have been married for 34 years. Our daughter Jessica graduated Summa Cum Laude from the University of Rhode Island. She currently serves in the Peace Corp.