Top positive review
Time is running out
Reviewed in the United States on November 28, 2020
David pulls together the messages in his previous books into a high-level, consolidated series of steps for the reader. The urgency factor is real, not hyped, given that the CoronApocalypse thrust the US debt condition 5 years into the future --- based on the date of the foreword, the content was probably locked around the time the pandemic struck here. The steps are primarily directed to those who are within 5-10 years of retiring, though there's plenty of benefit for any working person or retiree. David doesn't explicitly say this, but the book highlights the need to plan for a game with moving goalposts, i.e. Congress can and does change the rules (there is no such thing as a permanent law).
Given the degrees of freedom available in the tax code and the currently available account and product types, David shows how to make the most of the situation so that regular people can avoid being blindsided by high taxes when they have the least time/ability to alter their tax obligation.
How will I apply his book in my life?
I plan to follow his tax-free income for life approach assuming that Congress will soon change the tax rules to be more like that of during WWII when spending was necessary to win a global war.