This course and book were created for educational purposes only. Advice in this book is the opinion of the author; individuals should consult with industry experts such as a CFP or a CPA for specific investing or tax-planning advice. Neither the author, editor, nor any of the sources used in this book are liable in any way for any action an individual might take as a result of the information in this book. The past results shared in this book related to investment choices and comparisons are not indicative of future results. The unpredictability of the stock market as a whole, mixed with the inherent volatility within all markets, must be taken into consideration when reading any book that deals with saving money or investing. Due diligence on the part of the individual is needed at all times when planning for retirement. The author is not being compensated by any of the companies or their stocks, mutual funds, ETFs, or index funds mentioned in this book; it is not specific investment advice, but rather an educational tool. This book was created over four years as part of the author’s dissertation to earn his doctorate degree in business.