Look- this book is about ideas, not formulas. I just made an appointment with a Fidelity advisor and I'm motivated.Fidelity is going to be my "mother ship" in 10 years and I'm driving 2 hours to meet with a field office. The author gave me the idea after his comical discussion on retirement. Also, he brings the humanity into the equation. Thank God somebody has the huevos to bring up the fine points of where we really want to be after slaving for an employer . Living in a planned community is fine for some, but would be purgatory for me and he "gets it". Thanks Lee- I'm going to pass this book on to one of my buddies.