This book will be many things, but it will not be a magic wand or a road to riches. It will describe, in detail, specific actions people can take to get on track for retirement. In a world where most people don't have much saved, it is never too late to begin to plan for retirement. There will be no magic wand, but there will be a concrete set of steps anyone can take, regardless of age, present financial situation, and future goals.
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