Most people hope to have a good work life topped off by a reasonable retirement. Shocking as it may be, the latest data shows most people reach retirement only to find that they have little or no money to live on. It's even more shocking to see the drastic changes that that causes in those peoples life styles. To get an idea, visit some nursing homes. Not those you have to pay for. Visit the ones that take care of the people who have little or no money. No one wants to end up like that, so why is this happening? Basically, we work and earn a paycheck for two-thirds of our adult lives. Then we retire and live the last third on the funds we built during our working years. In other words, how you live those final 20, 30, 40, or more years depends on how well you prepared your finances to support you. It's your choice. Some want to arrange their finances such that their life styles can remain essentially unchanged as they pass from working to retired. We refer to these as rich. If you want to be part of this group, this book is for you. This version of the book is called the All Phases Edition. It describes the importance of starting early. It explains how to get started and describes each of the steps in considerable detail. It identifies the key to success. The one thing that rich people do and poor people don't: invest. It describes more than 12 different types of investments that the author has been engaged in. The author provides the 'good news' and the 'bad news' he encountered for each of these investments types. As you begin to take control of your financial future, the author encourages you to identify your target, the sum you will need at retirement to maintain your lifestyle, and to track your progress. The book provides means to do both. Websites with the latest data are identified and tables are provided to help you identify your target. Charts are provided and their use described to help you track your progress. If you have an interest in your financial future, and from the above you can see that you should, then this book can help you get started and guide you along the way. As the book says, to be Rich or Poor, It's Your Choice.