You are about to join more than 40,000 savvy investors in setting a course for a lifetime of “sound investing.”

Understanding how to invest wisely for your future can be daunting. Many people never get started for fear of making mistakes. Others make choices based on hearsay and hope. In We're Talking Millions!, you will learn why and how to make a handful of smart choices that can turn modest regular savings into a secure future. 

You'll discover "12 small steps with big payoffs", each of which can add $1 million or more to your retirement nest egg if you start in your twenties or thirties. These steps are well known. Now for the first time, We're Talking Millions! combines them into a single action plan you can implement in less than one hour a year. That could be the most valuable time you'll ever spend. Get started now!

Long-time financial educator/retired advisor Paul Merriman and co-author Richard Buck have boiled down decades of academic-based knowledge and experience to help millennials and Gen Y'ers get started and stay on the right track of saving and investing for life using 401ks, IRAs, and other simple investments like target date funds.

Click for your FREE pdf copy and/or Audiobook of We’re Talking Millions — 12 Simple Ways To Supercharge Your Retirement by Paul Merriman and Richard Buck.

Simplify investing & simplify life.

If you want to know WHY 2-Funds-for-Life strategies increase likely lifetime returns by 25% to more than 130%, and what you need to do to reap those benefits? Then this deep-dive owner’s manual is for you!


For an introduction to the 2-Funds-for-Life strategy, read We’re Talking Millions by Merriman and Buck. Get your free copy here- https://paulmerriman.com/signup/

We’re all wired to invest for the future, but when it comes to personal finance few of us know how. How much should I save? How much risk can I take? How does risk tolerance change with age? How can I get the most while risking the least? How complex does it have to be? Could I really do everything I need with just two funds?

2-Funds for Life is a quest to answer these questions and show definitively that simple approaches can match, beat, or even trounce more complex ones.

More about the 2 Funds for Life strategy can be found at: https://paulmerriman.com/2-funds-for-life/

Paul Heys updated book now available for free!

"It is a brilliant reframing of the psychological concepts that influence wealth-related decisions—told in a clear, engaging and down-to-earth style” Ronald E. Smith Ph.D., Psychology Professor, University of Washington

“Kudos to Paul Heys for this wise and lucid guide to financial and psychological wealth. By applying and simplifying economic and cognitive science he shows us the path to both fiscal fitness and human flourishing.” David Myers, Ph.D.,

Psychology Professor, Hope College. Don’t miss Appendix E. It contains a brilliantly written summary of Nobel laureate Daniel Kahneman’s 500 page masterpiece, “Thinking, Fast and Slow.” Paul Merriman

“I wish someone had given me this book when I was younger. It would have directed my spending and investing in ways that would have made me re-think my career, relationships and what I truly wanted out of life.” Tyler R. Tichelaar, Ph.D., Author: Narrow Lives and The best Place.

First Time Investor: Grow and Protect Your Money

An easy, essential read for getting started as a long-term investor. Get the steps necessary to build and maintain a successful investment portfolio. You’ll learn exactly what to do to set and meet your financial goals — from the day you start saving and investing for your future, and for the rest of your lifetime. If you invest wisely, you may be able to retire while your friends are still chained to their jobs.

In this book, I give you the steps necessary to build and maintain a successful investment portfolio. You’ll learn exactly what to do to meet your financial goals — from the day you start saving and investing for your future, and for the rest of your lifetime. If you invest wisely, you may be able to retire while your friends are still chained to their jobs.

Whether you’re starting out or starting over, this book is for you. You may be 23 and just landed your first job, or you’re 40 and decided to finally get serious about investing, but If you follow the advice you find here, you will have a high probability of being financially independent when your working years are over.

101 Investment Decisions Guaranteed to Change Your Financial Future

Learn how every investment decision you make has the potential to add $1,000, $10,000, $100,000 or more to your wealth.

101 Investment Decisions Guaranteed To Change Your Financial Future is the workbook for savvy investors at all stages of life! Learn how every investment decision you make has the potential to add $1,000, $10,000, $100,000 or more to your wealth. Together, this can mean millions of extra dollars for you and your family over the years. In his information rich, pull-no-punches style, Paul Merriman explains the decisions to be made and the impact of each on your financial future, so you can easily prioritize and make the best financial choices to meet your goals. It’s your future… choose wisely.

Get Smart or Get Screwed: How To Select The Best and Get The Most From Your Financial Advisor

Understand about the variety of financial brokers and advisors, and the services they can — and should — offer.

GET SMART or GET SCREWED: How To Select The Best and Get The Most From Your Financial Advisor gives you insights into the variety of financial brokers and advisors, and the services they can — and should — offer.

It includes extensive lists of questions you should ask and services you should receive from an advisor, and reasons why the brokerage industry is not serving your best interests.

To ensure that you “Get Smart,” Paul helps you understand how to find and work with competent and ethical advisors, firms and products. Getting the best and most from your advisor will save you time, grow your money, and give you peace of mind. Whether you are a first-time or savvy investor, you will learn new ways to avoid the plethora of pitfalls many investors encounter.