I wish I had this book 15 years ago when I started investing in mutual funds. This book will open your eyes to the real world of investing. The financial adviser is just a financial salesperson selling you products which will eventually eat up your hard earned money. Beyond the realistic views of the market, PARK leaves you with an understanding of what you need to do as an investor. She also gives you guidance to improve your chances in the future. However, she explains why no one is going to do it for you. I recommend this book to anyone with investments or someone who wants to learn about investing. Even if you invest in GICs or bonds you still need to read this book.