"The stock market is a device for transferring money from the impatient to the patient." Warren Buffett >Earn 10% to 12% on your mutual funds FREE of income taxes. >Avoid 1% to 3% fees and commissions on your account. >Use low-cost mutual funds that are well diversified. >Use a special IRS account to protect all your interest and gains. You don't need to do a thing to grow your money in the stock market. That's right. You don't need to gamble on the right stocks or advisor to earn $500,000 tax FREE You can do it yourself using the same low-cost high-return mutual funds that the wealthy use. The only thing you need to do is ... NOTHING. The wealthy don't sit in front of computer trading all day. They don't waste their money on products brokers sell. Also, now you can grow your money without income taxes or fees. Patience is all you need to become wealthy over time. People who know their industry know where to invest their money. They know which firms are growing. For instance, investors in Biogen, Qualcomm, EMC, and Kansas City Southern RR saw increases of 6,000% to19,000% in the last 20 years. However, sometimes they make mistakes, like Enron, WorldCom. Stock traders make mistakes too. Buying and selling is not investing. Most earn 2%--less than inflation Of course, if you knew anything about genetics, cell phones, internet or rails, you might have put your money in the right businesses. The stocks above tanked for a while but the lazy person who did nothing is now wealthy. Their $2,000 might be worth $300,000 now. Most us do not know which businesses will grow quickly in the future. We have to "settle" for the average returns of 10-12% a year. See page 24. Each of our $2,000 investments would be worth about $20,000 over 20 years in diversified funds. Don't gamble Invest and DO NOTHING.