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Everything you need is in this course. No gimmicks or empty promises. Financial freedom is at your fingertips. Billions of hard-earned dollars from average Americans were lost in the greatest downturn in stock market history from 2000 to the end of 2001. Much of this money was lost due to bad information, some would say criminal, which was given out to investors. "March 2020 saw one of the most dramatic stock market crashes in history. In barely four trading days, Dow Jones Industrial Average (DJIA) plunged 6,400 points, an equivalent of roughly 26%." (Covid-19, 2021) There are four foes to your retirement: Madison Avenue, Wall Street, the Credit companies, and finally, and most importantly, consumer/investor ignorance. These foes are all out to get your money, all of it. While millions of Americans lost their life savings, the investment houses were raking in millions. Merrill Lynch earned over $2 billion in profits for 2000.(Fugazy, 2001)