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Flip through any business magazine today and you're likely to see dozens of doomsday headlines proclaiming that we are all heading for poverty in our retirement years. The headlines are wrong!The majority of investors are saving adequately - but they're not saving smart. They need to change how the invest.This guide doesn't ask people to sacrifice to save more - instead it shows investors the most effective ways to save what they already have and get a better return on investment - what really counts in wealth creation. Each chapter is filled with specific investing steps the readers can take to maximize their investing opportunities.