Some of the most startling suggestions include the following: don’t prepay your home mortgage; make better returns on your money using instruments other than 401K’s or IRA’s; and use insurance policies to earn high yields.

While these and other suggestions are valid (Andrew’s numbers are clear and sensible), there is work for the investor to do. For example, the money saved on buying a house with no down payment has to be put to work, or the investor loses on both ends - high mortgage interest and money lost due to lost opportunity. That is, the money not spent on a down payment could work for the investor in other ways.

Other than giving these suggestions on ways to make money, Andrew gives some good basic information on ways that money is distributed from various accounts, annuities, insurance policies, and others. Andrew suggests we be like banks - borrow money at a low rate and invest it at a higher rate.

This is a good collection for anyone interested in how the financial world works.