Table of Contents
Why You NEED to Read This Book Today… .................................1
Foreword by Robert G. Allen ..........................................................7
CHAPTER 1: Rewind << The Rocking Chair, The Giant and
the Deadliest Investing Mistake You Can Make .....................11
A Boy with a Pair of Old Jeans and an Impossible Dream..........12
The Stage is Set..........................................................................14
The Big Problem with Financial Success ....................................15
The Insight That Changed It All ................................................17
CHAPTER 2: Six Dark Forces of Investing: You Are Losing
Money Without Even Knowing It ...........................................21
Dark Force #1: The Commission Camouflage Effect .................22
Dark Force #2: Reward Corruption ...........................................27
Dark Force #3: Bad Guys Setting the Rules of the Game...........29
Dark Force #4: Fortune-Telling Investing Gurus .......................36
Dark Force #5: Using the Wrong ROI Calculation ....................43
Dark Force #6: The Lure of the Shiny Next Big Thing ..............48
CHAPTER 3: Financial Success Formula: How Most
People Get It All Wrong? .........................................................53
The Investing Philosophy that can Easily Save Your
Financial Life ......................................................................54
This is What Makes Financial Failures .......................................57
Turn Things Around for Financial Success .................................59
ix
The Million Dollar Decision
The Great Misconception About Investing ................................63
Get Rich by Combining Both Parts of the Formula...................72
CHAPTER 4: Just Don’t Sign Here: The Perils of Financial Safety? ... 77
Black Swans: the Most Dangerous Animals ...............................78
Financial Safety With the A.R.M.O.R. Formula™...................... 82
Better Safe than Sorry................................................................90
The Hottest-Selling Insurance: The Greatest Weapon
of Financial Self-Destruction ...............................................92
Three Secret Strategies to Lower the Cost of Your Insurance ......97
Details That Can Ruin Your Life ...............................................101
The Amazing Insurance Policy that Costs You Nothing .............104
All That is Gold Does Not Glitter .............................................106
The Big Mistakes When Buying Gold .......................................113
CHAPTER 5: Gone with the Wind: Where Do Your
Long-Term Investing Returns End Up?...................................117
The One Investing Concept to Rule Them All ...........................119
Let’s Talk Products.....................................................................125
Financial Industry to the Rescue! Really? ...................................131
The Devil In Disguise ................................................................132
Why so Many People Hate Investing? .......................................132
The Dark Side of Compounding ...............................................136
The Year that Changed It All .....................................................140
You Can’t Invest in Something if You Don’t Know It Exists .......143
How to Beat Richard Branson with One Smart Move? ..............146
CHAPTER 6: Short-Term Investing Slaughterhouse: Gurus on
Hard Drugs Helping You to Part with Your Money ...............151
“I Feel the Need, the Need for Speed!” ......................................152
x
Table of Contents
The Dreams They Promise & The Reality You Get ....................155
Zero Minus Two Equals Minus Two ..........................................159
The Quickest Way to a Mental Hospital ....................................162
Automated Systems for Losing Money ......................................164
Let’s Help Africa by Teaching Young Boys to Trade Forex ..........167
CHAPTER 7: Fast Forward >> The Simple Way to Win the
Financial Game of Life ............................................................171
Your Million Dollar Decision ....................................................172
Peel Bananas the Right Way, and Start Your Investing
Revolution ..........................................................................176
Financial Freedom in A Couple of Hours per Year.....................177
Your Investing Masterplan .........................................................181
Warren Buffett, Mike Tyson and You.........................................184
You Can Make this World a Better Place Right Now .................187
BONUS CHAPTER: My Three Best Financial Breakthrough
Cheat Codes .............................................................................191
Acknowledgments ...........................................................................195
Notes ..............................................................................................199
About Robert Rolih .........................................................................203
xi
Why You NEED to Read
This Book Today…
If you are reading this book, it’s probably because you know that
investing should be a part of your money management goals.
Perhaps you want to accumulate enough money to have financial peace
of mind when you retire. Maybe you want to finance your children’s
education, increase the financial security of your family or create a
passive income stream.
There is just one problem.
You don’t know how to do it. You don’t know which products to
choose. You don’t know when to invest. Maybe you are even scared to
invest because it seems so complicated and you don’t understand all the
confusing investing mumbo jumbo out there.
Of course, there is an army of experts out there ready to help you.
Perhaps you will hire a financial adviser or wealth manager? Maybe you
will trust your banker’s or broker’s advice.
Sounds logical, a no-brainer. What else could you do?
But that would be the biggest financial mistake you can make and
will probably cost you over one million dollars in the long run.
I made the same mistake too.
1
The Million Dollar Decision
And the main reason why I wrote this book is to help you avoid it. Too
much is at stake when you make the decision on how to invest. Your
wealth, future, and peace of mind are on the line.
In this book, I will explain how the financial industry rigged the game
of investing, so you automatically lose the majority of your future
returns – without even being aware of it.
I will show you how most financial advisers, gurus and other “experts”
are working hard to help you make the wrong investing decisions – so
they can profit from it. By the time you digest this book, the realization
will hit that you and your family can easily lose more than a million
dollars if you trust the advice of most investing “experts.”
I have a feeling that you will be shocked. Maybe even angry and hurt
because you will see that the people that you thought are helping you,
are in reality destroying your financial future. But that’s OK. Because,
like Bob Dylan said, “Behind every beautiful thing, there’s some kind
of pain.”
And last but not least, I will share with you these details and secret
subtleties that will enable you to fire your financial adviser, take
control of your money and investments and outperform the pros while spending only a few hours per year.
Sound impossible?
Don’t worry. The rest of this book will show you how and why it can be
so easy:
In chapter 1, “Rewind << The Rocking Chair, The Giant and the
Deadliest Investing Mistake You Can Make,” I will show you how I lost
a lot of money because I trusted financial advisers and wealth managers
and how you can avoid the same fate.
In chapter 2, “Six Dark Forces of Investing: You Are Losing Money
Without Even Knowing It,” you will get to know the deadly forces of
2
Why You NEED to Read This Book Today…
investing and how to avoid them. If you don’t learn what these forces
are, you will never be able to invest profitably, and you will lose money
without even being aware of it.
Chapter 3, “Financial Success Formula: How Most People Get It All
Wrong?” reveals the most important formula of your financial life. This
is an entirely new philosophy on personal finance and investing that
will, quite literally, save you financially. If you have adult children, you
will want to share the key points of this chapter with them right away.
In chapter 4, “Just Don’t Sign Here: The Perils of Financial Safety?” I
will share with you the keys to financial safety and reveal to you how
some of the most popular insurance products can be quite harmful to
your financial future.
Chapter 5, “Gone with the Wind: Where Do Your Long-Term
Investing Returns End Up?” takes you behind the scenes of the
financial industry. You will learn the most powerful investing concept
and its dark side, that is being used by the financial industry to
obliterate your investing returns. Plus, I will share with you a simple
solution that will enable you to get out of the rigged game of investing.
In chapter 6, “Short-Term Investing Slaughterhouse: Gurus on Hard
Drugs Helping You to Part with Your Money,” I will reveal perhaps the
most lethal investing money drain. Just this knowledge alone can save
you thousands of dollars and years of time.
Chapter 7, “Fast Forward >> The Simple Way to Win the Financial
Game of Life,” is all about getting your financial act together. Here, I
will show you how quickly you can save one million dollars - just by
following the principles in this book.
And the bonus Chapter, “My Three Best Financial Breakthrough Cheat
Codes,” will give you some of my best secret weapons that can help you
to increase your income so you have more money to invest.
By reading this book you will:
3
The Million Dollar Decision
1. Never need to seek the advice of a financial advisor or banker.
In fact, just by reading this book, you will know more about personal
finance and investing than 95% of so-called experts and advisers.
2. Have total confidence in yourself when investing. I believe that
if you want to invest successfully, you first need to understand the
financial products, or assets, that are available. That is why I will
explain everything in a very easy to understand language with a lot
of examples. Even if you don’t have a clue about personal finance and
investing, this book will make sense to you.
3. Save more than one million dollars. Managing and investing your
money in a way that the financial industry teaches you, will eventually
lead to your financial collapse. Learning from someone who has been
there will save you and your family more than one million dollars in
the upcoming years.
4. Outperform even the experts in just a couple of hours per
year. When you apply my system of investing, you will see that great
investing returns are not the result of the quantity of time you put in.
Quite the contrary; with the knowledge you will receive here, you will
be able to outperform the vast majority of investors in just a couple of
hours per year!
5. Save a ton of time. Time is money. If you spend lots of time
investing, you have less time for your family, business, hobbies and
fun. So, what kind of life would you rather have: a life where you
spend hours and hours each day watching the charts on your computer
screen and reading boring corporate reports? Or a life where money is
working for you passively, and you get time for travel, hobbies, your
family or to focus on other money-making activities?
4
Why You NEED to Read This Book Today…
A Quick Warning
But let me warn you: this book is not for people who are struggling
financially. It’s not a book on how to make more money – although the
philosophy I teach will indirectly allow you to increase your income.
It’s not a book on how to save three dollars per day by not buying the
things you love. It’s also not a book on how to get out of debt or how
to budget. And most of all, it’s not a book on how to use coupons to
save some pennies while grocery shopping.
This is a book for people who already make a decent amount of
money and want to significantly increase their net worth by starting
to invest or by changing the way they invest. This book is for people
who already know that investing is a must and want to get the best
possible ROI (Return on Investment). It’s for people who highly
value their time, and want to be 100% sure that their financial
security is taken care of and that their invested money is working hard
for them and not for the financial industry.
So, if you see yourself in that description, there is a life-changing
journey in front of us.
Prepare for takeoff!
Robert Rolih
5