{"product_id":"book-1uyz","title":"Rich by Default","description":"\u003cp\u003eA plain-English guide to low-cost index fund investing for Canadians and Americans, narrated by Lee Thomas.\u003c\/p\u003e\u003cp\u003eThe author discovered his own parents were paying roughly 30,000 dollars in advisor fees on a typical retirement portfolio. That single discovery sparked this book. Investing should not require a financial advisor, a special degree, or a 2 percent annual management fee that quietly eats decades of compounding. Rich by Default lays out the simplest, lowest-cost path to long-term wealth. Lee Thomas walks the listener through the hidden-fee trap, the case for low-cost ETFs and broad-market index funds, and a step-by-step blueprint anyone can follow in Canada or the United States.\u003c\/p\u003e\u003cp\u003eWhat you will hear:\u003c\/p\u003e\u003cp\u003e1. The Hidden Fee Trap.\u003c\/p\u003e\u003cp\u003e2. Taking Back Control.\u003c\/p\u003e\u003cp\u003e3. ETFs, The Simple Solution.\u003c\/p\u003e\u003cp\u003e4. Blueprint, Stocks and Bonds Made Simple.\u003c\/p\u003e\u003cp\u003e5. Ready-Made Portfolios You Can Copy.\u003c\/p\u003e\u003cp\u003e6. Tax-Smart Accounts.\u003c\/p\u003e\u003cp\u003e7. Escaping Advisors and Pensions.\u003c\/p\u003e\u003cp\u003e8. Automate and Forget It.\u003c\/p\u003e\u003cp\u003e9. How to Stay Calm When the Market Crashes.\u003c\/p\u003e\u003cp\u003e10. Retirement Withdrawals and Sequence Risk.\u003c\/p\u003e\u003cp\u003e11. Rich by Default (Conclusion).\u003c\/p\u003e\u003cp\u003ePlus a Frequently Asked Questions chapter covering fees, TFSAs, RRSPs, IRAs, 401k plans, and which broker to pick.\u003c\/p\u003e\u003cp\u003eThis is not a get-rich-quick book and it is not financial advice. It is a calm, practical roadmap that strips investing down to what actually works: low fees, broad-market index funds, tax-smart accounts, and consistent contributions.\u003c\/p\u003e\u003cp\u003eFor fans of plain-English investing instruction and the low-cost index fund philosophy. For everyday investors in their twenties, thirties, forties, and beyond who want to take control of their money without paying someone two percent a year to do the basics.\u003c\/p\u003e\u003cp\u003eFrom the author of Done Being Broke and Habit Master, the same direct teaching voice applied to the investing problem.\u003c\/p\u003e","brand":"INAudio","offers":[{"title":"Audiobook","offer_id":67010363425072,"sku":"BD1uyz","price":8.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0879\/2784\/9264\/files\/1uyz-Square-cover.png?v=1781815370","url":"https:\/\/downpour.com\/products\/book-1uyz","provider":"Downpour","version":"1.0","type":"link"}