We're Talking Millions!: 12 Simple Ways to Supercharge Your Retirement Paperback – November 12, 2020

“Some decisions you make now will affect you for the rest of your life, and they could affect your heirs as well.” – Chapter 19While the authors were referencing your investing decisions, I’ll go a step further and say your decision to invest in this book right now will affect you for the rest of your life.It’s a proven fact most investors over a period of decades will underperform even the market average. And working with a financial advisor or investing professional doesn’t necessarily solve that problem, if they are making the same mistakes.So you have a choice to make with your money. And the wrong ones can cost big-time.From the new-to-investing to the seasoned professional, We’re Talking Millions has practical, proven, and simple to understand lessons for anyone that wants to retire with more money.The authors give simple tweaks you can easily make that could ultimately put a million dollars OR MORE in your retirement accounts.This is an easy read. It should be mandatory reading before putting your first $1 into a 401(k) or any other type of investing account.It’s not the pie in the sky get rich on Bitcoin or day trading on Robinhood nonsense the media loves to talk about. This is the step-by-step strategy for the millionaires you never hear about.And – it’s all based on evidence that’s been proven in the real world. I’ve read over 300 personal finance books. This one easily belongs in the Top 10 for investing.Get it, and you’ll be blown away at what you’re not being told about investing to build real wealth and a lasting legacy.Or don’t. You might do ok at investing. You might be able to fly coach instead of First Class. You might be able to afford PB&J instead of steak and lobster.But you’ll most likely end up with less money and paying for someone else’s retirement, someone else’s legacy, and someone else’s Alaskan cruise.

"We're Talking Millions" was a life-changing book. I am a 19 year-old college student who was directed toward Mr. Merriman's book as a great resource for first time investors. His book was the the perfect resource for someone with little to no prior knowledge about investing.It starts by outlining the twelve steps to boost a retirement fund, listing tips and tricks along the way. One of the most helpful parts for me was that all of the investment lingo was clearly defined and explained, and I could get a very clear sense as to how each of these small steps fits into the overall puzzle. The book then outlines how to get started: explaining the "Two Funds for Life" investment plan, what investment companies are best to use, and suggesting specific investment funds.I cannot recommend this book enough!! I feel confident about my investment plan after reading this book, and I plan to share it with as many of my peers as possible. I have already given it to my sister and best friend. If you are looking for information about investing and don't have the energy to read a long, dense investing book, then "We're Talking Millions" is the book for you! It is interesting, short, and extremely informative, and I hope that it helps you as much as it helped me.

I found this book to be informative and easy to understand, unlike other investing books bogged down by statistics and jargon of the investing world. This book did not present much new information to me, rather than expressing the importance of starting young and walking through the seemingly adult tasks early. I was struck by his discussion of different forms of investing, since the economics of investing proves that index funds are the most effective way to invest; however, the explanation Paul offers of investing is beneficial.

Paul Merriman’s other books have had a big influence on my investing philosophy, and this book is good, too, especially for young people just starting their working career. The book is a quick read with short chapters and does not get too bogged down in theory, just giving the research-backed facts.Here are some of the topics covered in this book. Saving early makes a MUCH larger impact than later savings. Small companies have done better than large companies and value companies have historically done better than growth companies. Therefore it should not be surprising that small value companies have done better than all categories from a historical perspective. No one can consistently time the market or pick winning individual stocks, so the book recommends using index funds consisting of hundreds or more individual stocks and buying and holding these investments.In just a few hours, this book can give someone a financial roadmap they can use for their entire life. Enjoy reading it, or give this book as a gift to a young person to get started on a sound financial future.

First, I am probably biased but I love Paul Merriam and Team. I love what they do for the average investor and the education as to why they recommend their strategies. I knew all the information in the book as I am an avid listener to Paul's weekly podcast Sound Investing. I wanted to support the cause. I purchased 2 copies. 1 for me and my daughter and 1 for my nephew. The book is super easy to read and shows you simple steps to maximize returns using easy strategies if you do not want a slightly more complex portfolio. IMO, regardless of strategy, you need to invest before spending, save more, save earlier, and stick with whatever strategy you chose for the long haul regardless if you are a DIY investor or if you higher an advisor. In the end you will come out with more money! Tune out the noise of the media and let your money work for you! Paul and Team again thank you for helping the average investor, I wish I had this information 27 years ago when I started! I have the knowledge now and I am putting it to good use now.