Start Now: How Ordinary Earners Build Lasting Wealth and Financial Freedom. This is the audio edition of the plain-language book on building your own tax-free pension — using nothing more than a Roth IRA and one low-cost index fund. Start Now is educational, not investment, tax or legal advice. Nothing in it is a recommendation to buy or sell any security. Consider your own situation, and talk to a professional where it matters. The book was written with the help of AI tools; the argument, the numbers, the stories, and every judgement are the author's.

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