I’m not a financial professional, and I don’t even pretend to play one on TV. I’m just some guy who used to be a cop, and isn’t anymore, and who likes to write stuff. This guidebook is strictly my own thoughts and opinions, and you’re welcome to follow it if you wish. If you don’t, no one will probably ever know the difference, so no big loss! This guidebook is my own creation, and it is FREE to download for your use. If you think it might help someone you know, feel free to pass it along, but please give.