It has been a long time since after I read the book, I want to share with people. This book was recommended by my sister and it was recommended by Nick to her. It has strengthened my belief in several things.

1, We need to teach our kids how to use money as tool, which they can never learn at school (only can learn after they go Uni etc.)

2, The mean return of investing stocks is 13%

3, Fund managers and Financial Advisors are not necessary, at least for me

4, The faster you start, you faster you can retire…

Indeed, 13% is very very attractive, but I am talking about average. So some years maybe 300% and some may be -90%, (-100% means losing everything~!) I recommend all people who have $200 HKD to read. Even each page costs more than 1 dollar, it worth’s it. It is very basic and it’s book for kids anyway, and it talked about stock, bonds and funds.

Maybe I can start from there and to have a clearer way, to be well above that 13% mean, what kind of decision I should make…