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This essential handbook takes the fear induced by the idea of investing and channels it into the same monthly practices my daughter, Danielle, used when she decided it was time to learn from dad. Inspired by our InvestED podcast, Danielle leads you on a journey to take command of your life and your finances.

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Payback Time

’s first book, the #1 New York Times bestseller Rule #1, was a guide to stock trading for people who believe they lack the knowledge to trade.

In Phil's newest book, Payback Time, Town shares a risk-free approach, called “stockpiling” and it’s how billionaires get rich in bad markets. It’s a set of rules for investing (not trading, but investing) in the right businesses at the right time — rules that will ensure you make the big money.

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Rule #1

In Rule #1, I’ll show you how I turned $1,000 into $1 million in only five years, and then proceeded to make many millions more. I came to investing as a person who wasn’t great at math, possessed zero extra cash, and wanted a life—not an extra three hours of work to do every day.

If that sounds too good to be true, it’s because the mind-set I’ll be introducing you to leads not to bets but to certainties. Believe me, if there were anything genius-level about this, I’d still be a river guide collecting unemployment much of the year.

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