Download or read book Don t Save for Retirement A Millennial s Guide to Financial Freedom written by Daniel Ameduri and published by Lioncrest Publishing. This book was released on 2019-07-13 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: Baby boomers are always giving millennials advice on the importance of saving for retirement. But Daniel Ameduri says that the results are in for the retirement experiment of the last 75 years and they're really bad.When he was twenty-seven years old, Daniel was on the brink of bankruptcy. A decade later, he's a multi-millionaire, having taught himself about economics, investing, and other money matters that he never learned at school or at home. The expert guidance he provides in Don't Save for Retirement will help you: - Redefine wealth as a philosophy, not a dollar amount- Turn passion projects into viable business plans- Cut unnecessary spending in unexpected places- Start generating passive income now!Working toward retirement at one job for a lifetime is a thing of the past, and isn't working out at all for millennials. Here's a better plan for achieving financial independence and living a life you love.

Download or read book Financial Freedom written by Grant Sabatier and published by Penguin. This book was released on 2020-04-07 with total page 370 pages. Available in PDF, EPUB and Kindle. Book excerpt: The International Bestseller New York Public Library's "Top 10 Think Thrifty Reads of 2023" "This book blew my mind. More importantly, it made financial independence seem achievable. I read Financial Freedom three times, cover-to-cover." —Lifehacker Money is unlimited. Time is not. Become financially independent as fast as possible. In 2010, 24-year old Grant Sabatier woke up to find he had $2.26 in his bank account. Five years later, he had a net worth of over $1.25 million, and CNBC began calling him "the Millennial Millionaire." By age 30, he had reached financial independence. Along the way he uncovered that most of the accepted wisdom about money, work, and retirement is either incorrect, incomplete, or so old-school it's obsolete. Financial Freedom is a step-by-step path to make more money in less time, so you have more time for the things you love. It challenges the accepted narrative of spending decades working a traditional 9 to 5 job, pinching pennies, and finally earning the right to retirement at age 65, and instead offers readers an alternative: forget everything you've ever learned about money so that you can actually live the life you want. Sabatier offers surprising, counter-intuitive advice on topics such as how to: * Create profitable side hustles that you can turn into passive income streams or full-time businesses * Save money without giving up what makes you happy * Negotiate more out of your employer than you thought possible * Travel the world for less * Live for free--or better yet, make money on your living situation * Create a simple, money-making portfolio that only needs minor adjustments * Think creatively--there are so many ways to make money, but we don't see them. But most importantly, Sabatier highlights that, while one's ability to make money is limitless, one's time is not. There's also a limit to how much you can save, but not to how much money you can make. No one should spend precious years working at a job they dislike or worrying about how to make ends meet. Perhaps the biggest surprise: You need less money to "retire" at age 30 than you do at age 65. Financial Freedom is not merely a laundry list of advice to follow to get rich quick--it's a practical roadmap to living life on one's own terms, as soon as possible.

Download or read book Build Wealth Now written by Matthew Outerbridge and published by . This book was released on 2018-02-28 with total page 157 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do you have trouble saving money? Do you want to retire early or become financially independent, but don't know how to get started?Do you want to discover time-tested techniques that not only show you how to invest, but how to retire early and live a fulfilling life without the fear of not having enough money? Most young people simply have never learned how to save money. Living from paycheck to paycheck, they wander from one financial fiasco to the next, never setting aside any money for the things that matter. This book will have you retire earlier than you ever expected.Retire by 35? You can do it! This isn't your typical early retirement book. It reveals some simple but effective mechanisms for wealth generation and saving that will make you rich, while other people are just getting started in their careers. While it does include some information about investing for beginners, it goes beyond that to outline a direct route towards financial freedom.The truth is, you can save ten times more than the average North American, without any struggle or FOMO. Once you learn how to make your money work for you, instead of against you, the life you've always wanted can be yours.In this book you will learn how to: Design a foolproof wealth generation system Earn significantly more than you do now Overcome negative habits and retrain yourself to be a personal financial guru Save more of your paycheck than you ever thought possible compound your savings into an early retirement nest egg so that you can retire young and retire happy Become an unstoppable millennial investor Go ahead, take a look inside the book. It contains some of the most important information you'll ever need to know about paying off debt, saving money and investing. More than that, it will take you step-by-step towards saving your first $100,000 without any scrimping or penny-pinching. But that's just the start. One financial secret that professional money managers don't want you to know could cost you $1.6 million dollars. Chapter 1 shows you how you can avoid this trap, which is designed to rob you of your future wealth. In Chapter 3, I reveal one of the most common misconceptions about wealth and saving. Just this chapter alone will provide you with the know-how and determination to retire 10 to 20 years earlier than the average person. It will provide you with the freedom and security to follow your passions.I also cover a broad array of investment vehicles such as: Mutual Funds and other active funds ETFs and Index Funds Individual Stocks Bonds Armed with this knowledge, you can match (or even beat) the market's performance and make your money work overtime for you. Without a clear plan towards building wealth, early retirement just won't work. Don't let your future slip through your fingers. It's time to overcome bad financial habits and start building serious wealth.

Download or read book Financial Independence Retire Early written by Richard Sodin and published by Independently Published. This book was released on 2020-06-09 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: "48% of American adults over age 55 don't have any retirement savings according to research from the U.S. Government Accountability Office". If you don't want to be one of them, then keep reading. Personal Finance isn't an easy argument to treat, especially when we pass to talk from short term money management to long term investments and accumulating money-saving. Nowadays, the frenetic life routine and the massive amount of activities to do, make many people think that these work rhythms are unsustainable for too long. So it's utterly understandable to start considering early retirement to get out of this "cage situation" and live better the remaining part of life. Be financially independent takes time because it regards changing vision and habits, creating a step by step path to achieve this huge goal. In the last years, the so-called FIRE Movement (Financial Independence, Retire Early) helped a lot of people to start thinking in this way, from older to younger people. A recent Bank of America survey reveals: "25 percent of millennial savers had amassed more than $100,000, up from 16 percent in 2018". If they were able to save so much money in a short time, you could surely achieve your financial freedom! In this Bundle of 2 books ("Financial Independence" and "Retire Early") you will discover: The correct approach you should applicate right now to starting to save money Effective methods to create a good plan for your incomes The easiest way to cultivate wealthy habits that will bring you in the right path Crucial principles to increase and generate different sources of earnings The roadmap to an Early Retirement that will change your future life How to correctly set up your long-term investments The most potent factors you should know to incredibly increase your savings in a short time And much more! Sound complicated? Don't lose your courage! FIRE Movement is one of the many proves that you can start building an effective retirement plan, even if you literally have no money. Each step is illustrated with actual examples, giving you a set of tools that will change your vision. Scroll up, Get this book and Start Reading! FREE GIFT: Buy the Kindle version of this book and get the AUDIOBOOK VERSION FOR FREE!

Download or read book More Money Now written by Nicole Victoria and published by Mango Media Inc.. This book was released on 2022-08-16 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: Discover the Money Management Rules for Creating Financial Freedom If you’re ready to change your relationship with money and start building serious wealth, More Money Now will show you how.” —Jeremy Schneider, retired at 36, founder of Personal Finance Club #1 New Release in Budgeting and Financial Risk Management Nicole Victoria is a CEO, money coach, and financial literacy advocate. She didn’t grow up with wealth, but she learned the secrets to financial security. Now Nicole specializes in helping 20 and 30 something women gain financial freedom. Money isn’t everything, but everything takes money. Maybe you have debt (hellooo student loans + credit cards). You feel like you’ll always be playing catch up. Tried to get help before, tried to budget, followed traditional advice...but it just doesn’t work for you? You’re stressed and overwhelmed, feeling stuck, and don’t know where things went wrong. Bad news first. The advice that worked for our parents doesn’t work for us! Times have changed. The average person in their 20s has racked up $23,872 in debt, and this number jumps to $62,658 in their 30s. And it gets worse: 79% who budget fail 54% live from paycheck-to-paycheck 80% of Americans are in debt 40% could not handle a $400 unexpected expense 64% don’t have enough money to retire Now, the good news. Maybe money has always seemed complicated, and you believe that because you’re not good with math, you can’t be good with money. But, you don’t need to be good at math, born rich, or have a 6-figure salary to successfully build wealth. Learn the rules that enabled Nicole to: Pay off $40,000 of debt in 18 months Pay for her wedding in cash Save $100k by 25 Buy her dream home Feel financially stable enough for kids Build $500k net worth in her 20s Grow her net worth to over $1M at 30 Read books like The Woman’s Guide to Successful Investing, Twenties in Your Pocket, or Financial Security for Dummies? Then you’ll want to read More Money Now.

Download or read book Millennial Money Mindset If You Want the Fruits You Need the Roots written by Neil Doig and published by . This book was released on 2020-12-30 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: Millennial Money Mindset: If you want the fruits you need the roots is a rag to riches journey. Millennials often feel like a modern-day Cinderella, working hard and yet nothing to show for it. Feeling like we will have to work forever. Previous generations had the benefit of affordable housing, the golden age of pensions, no student debt and any money they did manage to save they would benefit from high-interest rates. Millennial Money Mindset guides you step by step to your happily ever after starting with a pound coin in your pocket to getting money mindset, where you don't stress and worry about money again. The rules have changed and so must you! Today Millennials don't just need a new plan, we need a new story. Today Millennials need to own yourself first, taking control of your finances and your future. We're in a different world after the tornado of the financial crisis. Putting your money into a bank means getting next to nothing from your savings, maybe you're scared to invest after the last financial crash or you simply don't have the time to learn the seemingly complex world of investing. Pensioner poverty is fast approaching as many people won't have enough money for when you stop working. Managing your money will be the most important skill you learn in this decade. Each chapter of Millennial Money Mindset is a different story or analogy getting you a step closer to becoming financially independent and seeking happiness. This book uses the latest evidence-based research and cutting edge industry practises to give you the best financial guidance, which could save you £100,000s from paying financial advice or fund manager fees over your lifetime. Warning: Do not read this book unless you want a new way of living. Forget the old concept of retirement and saving for the future. This is Millennial Money Mindset. Buy your copy today. Every copy of Millennial Money Mindset sold we will plant a tree on your behalf to help solve the climate emergency

Download or read book Six Steps to Financial Freedom written by Ro Co and published by Createspace Independent Publishing Platform. This book was released on 2016-01-05 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: Life is all about choices. You made a choice to read this book since you want to achieve Financial Freedom by building a property portfolio. The reality is that most people fear that traditional ways of working and saving won't provide for a secure retirement or a comfortable lifestyle. People will have to work beyond retirement to sustain themselves or rely on their children or on charity if available. But, the proof is in the pudding and the actual transformation occurs when you have taken your first step in buying your own house and leveraged it to build your property portfolio. Leveraging your existing portfolio successfully will accelerate the speed of reaching your objectives. Life is a journey which will teach you that time is more precious than money. Time spent to follow your Life's Calling is more satisfying than being caught in the rat race of life making ends meet. Learning from every stage and experience of life is the biggest wealth. Start dreaming, never stop learning and continue achieving greater success.

Download or read book Smart is the New Rich written by Christine Romans and published by John Wiley & Sons. This book was released on 2015-03-03 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Time is on your side—smart money management for Millennials Smart is the New Rich: Money Guide for Millennials is an interactive, step-by-step guide to all things money. From credit, student debt, savings, investing, taxes, and mortgages, CNN's chief business correspondent Christine Romans shows this newest generation of earners how to build wealth. You'll learn the old-fashioned approach that leads to a healthier financial lifestyle, and open the door on a straightforward conversation about earning, saving, spending, growing, and protecting your money. You'll learn how to invest in the stock market or buy a home, even if you are still paying off student loan debt. Romans offers expert insight on the "New Normal," and why the rules of the credit bubble—the one you were raised in—no longer apply. Checklists and quizzes help solidify your understanding, and pave the way for you to start putting these new skills into action. For thirty years, the financial rules for life revolved around abundant credit at the ready. A quick look around makes it obvious that those rules no longer work, and Millennials just now coming of age and entering the workforce need a new plan to build a solid financial foundation and healthy money habits. This book puts you on the right track, with step-by-step help and expert guidance. Learn what you should ask yourself before spending any money Revisit some old money rules that are actually good habits See simple rules for managing student debt Learn how to talk about money with friends, dates, and parents Find out what makes a Millennial successful in the workforce The economy is out of recession and growing, but many young people feel left out of the recovery. It's why smart spending, saving, and debt management is so critical right now for them. A smart money plan is no longer a "nice to have" extra, it's mandatory. Smart is the New Rich: Money Guide for Millennials is your guide on how to use time and some good money manners to build wealth.

Download or read book Six Steps to Financial Freedom written by R. Concessao and published by Createspace Independent Publishing Platform. This book was released on 2016-01-05 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: Life is all about choices. You made a choice to read this book since you wanted to achieve Financial Freedom by building a property portfolio. The reality is that most people fear that traditional ways of working and saving won't provide for a secure retirement or a comfortable lifestyle. People will have to work beyond retirement to sustain themselves or rely on their children or on charity if available. But, the proof is in the pudding and the actual transformation occurs when you have taken your first step in buying your own house and leveraged it to build your property portfolio. Leveraging your existing portfolio successfully will accelerate the speed of reaching your objectives. Life is a journey which will teach you that time is more precious than money. Time spent to follow your Life's Calling is more satisfying than being caught in the rat race of life making ends meet. Learning from every stage and experience of life is the biggest wealth. Start dreaming, never stop learning and continue achieving greater success.

Download or read book The Financial Academy written by Hunter Hazelton and published by . This book was released on 2020-10-19 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do you wish to stop working for money and instead start having money work for you, get out of debt and stop feeling scared about your ability to meet your financial obligations? And are you looking for a guide that will show you exactly what steps to take to secure your future, get out of debt and be financially free? If you've answered YES, keep reading... ★ You Are About To Discover Exactly How To Be Smart About Your Finances To Get Closer To Financial Freedom, Probably Retire Early And Start Living Life On Your Terms! ★ How fast would you want to increase your net worth, save more and secure your retirement? Right now? Good. How well do you understand your finances? I'm talking about things like how your cash is spent, how your debt is affecting you, how your investment portfolio looks like, how much you are saving towards retirement.... Not as well as you thought you did, huh? Truth is, we all want financial success; that is, be financially free for now, and be financially secure when retirement arrives. Unfortunately, very few of us are actually making an effort to follow up, invest, and address defeating factors like debt. Admittedly though, this area can be overwhelming, confusing and stressful especially if you aren't the typical "financial person." But that's why you're here, isn't it? If you are the kind of person I think you are, you might have been wondering: - How do I increase my cash flow and save more? - How do I address my debt to salvage more cash for my expenses and savings? - What is the best way to achieve financial freedom? - How and where should I invest to generate passive income? - How do retirement accounts work? If that sound familiar, then this book is for you! ★ This book is going to teach you everything you need to know to address your finances, invest more and secure both your present and future. ★ More precisely, you'll learn: ◆ How to make your budget that works ◆ How to make money on autopilot ◆ What you need to learn about assets versus liabilities ◆ How to reduce liabilities by addressing your debt and expenses ◆ How to approach and address the different types of insurance ◆ How to increase your net worth and lower your living expenses with house hacking ◆ How equity investments work, and how you can benefit from them ◆ How to handle retirement accounts ◆ How to get rid of your student loan quickly ◆ How to retire young, rich and predictably with "the formula" ... And much more! Chances are, you don't plan to work forever. Whatever your situation, one thing is certain: If you don't get your ducks in a row soon, you might never achieve your financial goals. Lucky for you though, this simple yet effective book is here for you, with the right strategies, tips and tricks to set yourself up for success, even if you've already tried everything! Don't wait... The information in this book could literally be worth THOUSANDS OF DOLLARS OVER YOUR LIFETIME! ★ Scroll up and click Buy Now With 1-Click or Buy Now to get started! ★

Download or read book Don t Retire Graduate written by Eric Brotman and published by . This book was released on 2024-04-03 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Fully updated 2nd edition! Advance into the perfect retirement for you with Don't Retire...Graduate! Whether retirement is right around the corner or you've just stepped into your professional life, financial independence can feel daunting and unattainable. Stressful money mistakes or debt shouldn't postpone retirement planning until your golden years. The earlier you start, the better - but it's never too late to go back to school and double major in financial independence and retirement readiness at any age! Don't Retire...Graduate! is your degree in fully-fledged financial freedom with a full syllabus of courses that will help you advance, not retreat, into the perfect retirement for you. Now updated for 2024, the 2nd edition of Don't Retire...Graduate! brings you updated strategies for evolving interest rates and investments, including insights on Roth IRAs and an overview of the SECURE Act 2.0. Gain the expertise you need with the assistance of experienced retirement planners. Get answers to powerful financial questions including how to navigate challenges after a global pandemic and legislation impacting personal finance. No matter where you are along your personal finance journey, this guide will meet you there with simple insights for beginners and a step-by-step plan for growing your wealth, your way - so you can graduate into a successful retirement when you're ready! You're about to learn: Three smart investing strategies to free yourself from debt while still paying yourself first. Why risk management and insurance will build security for your financial castle and everyone living in it. The 12 relationship questions to determine if you should keep or break up with your financial advisor, wealth manager, or CFP(R). How to maximize the peak earning years of your career with a crash course in retirement accounts and IRAs. Twenty-one extra credit assignments in financial independence to take you to the top of the class. Discover what "retired" means with the financial literacy you've been missing! If you're ready to get your retirement right and turn financial challenges into rich opportunities with retirement planning like you've never seen before, read Don't Retire...Graduate! now!

Download or read book Work Less Make More written by Kim Northwood and published by Melbourne Books. This book was released on 2023-04-01 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: Work Less, Make More: The Millennial's Guide to Financial Freedom is about the golden rule of personal finance: If you don't manage your money, someone else will. This book aims to inspire you to take control of your personal finances. We've been sold a lie about having to hustle harder than everyone else to get ahead. The truth is, personal finance is not about how much you earn - it's about how much you convert to wealth. The book focuses on using money to its full potential - from home ownership strategies, insurances, and super, to modern investing tactics. Following two millennials, Penny and Shriram, the book shows how simple decisions can make an enormous difference to your wealth. In the current social and economic climate, it is more important than ever to use knowledge to build financial security. This is your guide to financial freedom.

Download or read book From Broke to Boss written by Dave Wilson and published by Independently Published. This book was released on 2023-05-05 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are you a millennial who is having financial difficulties? Are you sick of struggling with debt and living paycheck to paycheck while wishing for a better financial future? "From Broke to Boss: A Millennial's Guide to Building Wealth and Achieving Financial Freedom" is the only resource you need. This comprehensive guide provides useful suggestions and doable tactics for setting up a budget, making savings, making investments, and increasing your wealth. In this book, you will learn how to: - Create a budget and stick to it - Get out of debt and stay debt-free - Build an emergency fund for unexpected expenses - Invest in stocks, bonds, and mutual funds - Start a side hustle and earn extra income - Plan for retirement and achieve financial independence Whether you're just starting your financial journey or looking to take your money management skills to the next level, This book has everything you need to succeed. So why wait? Take control of your finances and start building the life you deserve today! You have the tools and resources with this to change your financial future. Don't pass up your chance to become financially independent and create the life you've always wanted. Place your order now!

Download or read book Save Half Retire Fast written by Frankie Calkins and published by Money Resolution. This book was released on 2021-12-29 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Personal finance experts suggest saving 10%-20% of your income. They're wrong. That advice is for ordinary people who will work a 9 to 5 grind for 50+ years, hoping to retire on time. But you're not ordinary...Choose to live an extraordinary life instead. Earn your time and freedom back. Save and invest 50% of your income and retire early in as little as 17 years, a decade or more sooner than you thought was possible.Does saving half sound extreme and impossible? It's not. Save Half, Retire Fast shows you how without tricks or gimmicks, and anyone can do it. #SAVEHALFBOOK is your comprehensive guide to financial independence and early retirement. You'll learn how to: Invest for long-term successDevelop a millionaire mindsetPick your early retirement pathGive yourself a raise & fire your bossReduce your annual expensesSet goals and stay motivatedRetire early on any income, in any cityLive a richer, more rewarding lifeEnjoy the journey as much as the destinationand LOTS more?Early retirement isn't a dream. It's should be a priority. You can earn decades of your life back so you can do what you want, when you want, with who you want to do it with.You can take the common path and hope for the best OR you can take charge of your financial life one day and one chapter at a time via Save Half, Retire Fast with Frankie (from "The Money Resolution" on YouTube) as your guide. The strategies aren't complicated and early retirement isn't "just for somebody else." It's for regular people. It's for YOU. And it's easier than you think. It's time you start living the life you actually want. Begin your financial independence journey today so you can:SAVE AND INVEST HALF, RETIRE TWICE AS FAST!!

Download or read book Financial Planning for Millennials written by Victor Dominic and published by Independently Published. This book was released on 2023-12-09 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Unlock financial success and embrace a secure future with 'Financial Planning for Millennials.' This comprehensive guide navigates the unique financial landscape millennials face, offering savvy strategies tailored to their aspirations. From budgeting hacks to investment insights, this book empowers you to break free from financial stress and build a wealthier tomorrow. With practical tips on debt management, smart saving, and navigating the gig economy, discover the roadmap to financial freedom. Embrace your financial journey and make informed decisions that align with your values. This is not just a book; it's your passport to a prosperous future! Benefit of Following Financial Planning for Millennials 1. Budgeting Mastery: A financial planning book for millennials provides practical insights into effective budgeting, helping individuals master the art of managing their income and expenses. 2. Debt Management: It offers strategies to tackle and eliminate debt, empowering millennials to break free from financial burdens and work towards a debt-free future. 3. Investment Education: The book imparts valuable knowledge about different investment options, guiding millennials to make informed decisions that align with their financial goals and risk tolerance. 4. Emergency Fund Establishment: One of the key benefits is emphasizing the importance of building an emergency fund, creating a financial safety net for unexpected expenses and providing peace of mind. 5. Retirement Planning: Millennials are guided on early retirement planning, illustrating the benefits of starting to save for retirement early, taking advantage of compound interest and ensuring a comfortable future. 6. Tax Efficiency: The book educates readers on tax-saving strategies, helping millennials optimize their financial plans by understanding tax deductions, credits, and efficient ways to manage their tax liabilities. 7. Goal Setting and Achievement: Through goal-oriented financial planning, millennials learn to set realistic financial objectives and develop a roadmap to achieve them, fostering a sense of accomplishment and motivation. 8. Insurance Understanding: It provides clarity on different types of insurance and their relevance, aiding millennials in making informed decisions to protect themselves and their assets adequately. 9. Wealth Building: The book outlines strategies for wealth accumulation, teaching millennials how to make their money work for them through investments, savings, and smart financial decisions. 10. Financial Confidence: Ultimately, following a financial planning book instills confidence in millennials, empowering them to take control of their financial futures, make sound decisions, and navigate the complexities of the financial landscape with assurance. Empower your financial future! Dive into the essential guide tailored for millennials - 'Financial Freedom Blueprint.' Equip yourself with practical strategies, smart investments, and savvy money management tips. Don't just dream of a secure tomorrow, make it a reality. Grab your copy now and take the first step towards a wealthier and worry-free future!

Download or read book Don t Retire Graduate written by Eric Brotman and published by . This book was released on 2020-10-15 with total page 354 pages. Available in PDF, EPUB and Kindle. Book excerpt: Get a full syllabus of courses that will help you advance, not retreat, into the perfect retirement plan for you. If you like easy-to-use guides, turning financial challenges into opportunities, and retirement planning like you've never seen before, you'll love Don't Retire...Graduate!

Download or read book If You Can written by William J. Bernstein and published by Createspace Independent Pub. This book was released on 2014-07-16 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: William J. Bernstein promises to lay out an investment strategy that any seven year old could understand and will take just 15 minutes of work per year. He also promises it will beat 90% of finance professionals in the long run, but still make you a millionaire over time. Bernstein is addressing young Americans just embarking on their working careers. Bernstein advocates saving 15% of one's salary starting no later than age 25 into tax-sheltered savings plans (IRA or 401(k) in the U.S., RRSPs or Registered Pension Plans in Canada), and divvying up the money into just three mutual funds: a U.S. total stock market index fund, an international stock market index fund and a U.S. total bond market index fund. For millennials, saving 15% of salary is the financial equivalent of dying, which is why Bernstein titles his document 'IF you can.'