INTRODUCTION: A NEW GENERATION OF SAVERS AND INVESTORS HAVE BROUGHT CERTAINTY TO THEIR FINANCIAL FUTURE—AND SO CAN YOU!

We don't have any illusions.

We know you probably wouldn't have picked up this book if it were not for the financial crisis of the past few years coupled with the unprecedented government response that followed. And, honestly, had those events not taken place, we probably wouldn't have written it. For virtually every one of us wants nothing more than endless sunshine and a continuously rising Dow Jones average.

Some of us even have come to expect it.

Unfortunately, this mentality has allowed retirement accounts, family savings, and investor nest eggs to become easy fatalities. The profits of yesteryear are starting to return, but we investors are now much more jaded—and rightfully so.

Most of us grew up during a period the French call Les Trente Glorieuses (The Glorious Thirty, 1945–1975). The term was coined by a French demographer who watched firsthand as the country—decimated by two world wars—rose to have the highest standard of living worldwide in the early 1970s. Likewise, the United States and the United Kingdom enjoyed decades of relatively uninterrupted prosperity in that same period. Those decades were brimming with prosperity for citizens of most Western economies.

Most of us weren't around for the Great Depression, so we couldn't comprehend how far or just how fast the economy could crumble. And only a few of us appreciate how the Second World War decimated ...

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