This is easily the greatest, most beneficial, most informative and eye-opening book I have ever read, on any subject! This being Tony Robbins' first book in two decades, he's hit an absolute grand-slam in my opinion. What a success! In my mind, this is now the definitive tome to lay-bare a subject so complex, yet so vital. This book IS financial education for the common man. This book is packed to-the-gills with things no one tells you. And nobody has ever spelled-out every detail as thoroughly as Tony does in this book ever, but particularly in the post-2008 financial world, and trust me, I have read many many titles on the subject. I am proud to say that my father introduced me to Dave Ramsey at a very young age, and thus began my financial education. Obviously, it is a long road, but despite the disagreements I know have with some parts of his strategy, I can say with certainty that he set me about on the right path. In my thinking, the core element in this book is not only a very-broad understanding of the modern financial & investment landscape, as well as the pit-falls and traps to avoid that so many others fall prey to, if simply in an effort to 'delegate' responsibility for securing their financial future so someone else. Too often, the person chosen for this most-critical of tasks in life is handed-over to a less-than-fully-trustworthy 'financial advisor' or 'planner' (which as this book teaches, are simply a few of the many terms used to describe financial practitioners who are bound only by the "suitability standard" by the government. This most prevalent type of financial-advisors-to-avoid are also called: broker-dealers. For those that don't know, this standard of "suitability" is a horribly low-standard, and in-a-nutshell says only that these people recommend investments to you that are "suitable." This means they are well-within-their-rights and, in fact, are in fact most likely to only recommend to you investments that they themselves make the highest commissions from. These are all-too-often high-fee and 'hidden-fee' proprietary Mutual Funds which are generally owned by the company these individuals work for (and, not surprisingly, it would take the average a fair amount of research to uncover that fact, as these funds are often named in ways that do not reflect, much less suggest the name of the companies that actually operate them). The best type of Financial Advisor, which is the kind you want is an Independent Registered Investment Advisor! In my mind, this is one of the most valuable facts IN THIS BOOK! Because it is one of the most misunderstood aspects of the industry. But the difference is that an Independent RIA is required to provide financial advice to you that is BEST FOR YOU! This is a HUGE distinction!!! They cannot provide recommendations to you simply because they will receive a higher commission—as under the "suitability standard." They are REQUIRED to only give you advice that is BEST. FOR. YOU! It is important to mention that your RIA absolutely needs to be Independent, because a gigantic loophole many so-called RIA's exploit is called dual-registration. This is where an individual is actually registered as BOTH a Broker-Dealer and a Registered Investment Advisor… and this is a perfect example of the different types of technicalities and exceptions (AKA loopholes) that those in-the-know in the financial word exploit every day to 'get-one-over' on the common man, and basically take their money. In a nutshell, what dual-registration means is that a financial advisor can, at any time, with-or-without notifying you, importantly, "change-hats" so-to-speak and start giving you advice as a RIA, or a Broker. The choice is completely theirs. So… and this is the key takeaway: dually-registered RIA's are NOT bound by the Fiduciary standard. They can at any time of their choosing provide to you advice only as a Broker, which places that advice only under the Suitability standard. I know that all sounds confusing, but if you're following what I'm saying, you can see that really sucks for people who don't understand the distinction, and I HATE that kind of stuff. And, sadly, this type of thing runs rampant throughout the financial industry. But the best way to defend oneself against this type of exploitation is to educate yourself about the intricacies of the industry, and thus gain 'immunity' from the tricks and deceit so many in the field would try to sell you. At any rate, suffice it to say that I give this book my UTMOST RECOMMENDATION. In fact, I think purchasing it is in-itself a MAGNIFICENT INVESTMENT because (as you'll read in the book) Tony Robbins is donating every ounce of the proceeds to charity to feed the hungry among us and furthermore, as Benjamin Franklin once said: "An investment in knowledge pays the best interest."