Why we don't accumulate $1,000,000 from monthly contributions. Why we reduce our wealth by paying "specialists" to increase it. Why we don't use the simple time-tested strategy of compounding. Why we don't use a tax-FREE account and give up $300,000. The short answer is that we are human beings. Just one-third of us take action after receiving financial advice, a recent survey observes. Yet nearly half of the respondents admit they worry about their long-term financial future. We don't treat investing as a business in which we are a silent partner. A review of 40 studies of how we invest showed how we make every mistake in the book and wind up either losing money or badly trailing the diversified market funds. The study reviewers estimate that only 1% of traders are successful. Some of us try to mimic the Wall Street mythical character-Gordon Gekko-with our own money. But Wall Street only trades with OPM-Other People's Money. And usually with information we don't have. Some of us have just not learned that investing in a broad-market stock fund is safer than keeping money in a bank. There is hope, however. We can learn how to control the behaviors that sabotages our investing success. I will show you the 10 things we can do NOW to invest successfully. I will show you how real people like you actually do accumulate wealth using their monthly contributions.