This is a book that anyone who is invested in employee retirement funds or other mutual funds should read in order to understand how to ask the right questions and determine where money is best invested. For the average person this is a scary task because we have been lead to believe that the stock market is too difficult for us to understand. This author shows you just how to approach it and be able to live a normal life without having to make daily stock decisions! Now I know how to ask questions concerning my portfolio and how to move money around between funds!