A plain-English guide to low-cost index fund investing for Canadians and Americans, narrated by Lee Thomas.

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The 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.

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What you will hear:

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The Hidden Fee Trap.
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Taking Back Control.
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ETFs, The Simple Solution.
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Blueprint, Stocks and Bonds Made Simple.
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Ready-Made Portfolios You Can Copy.
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Tax-Smart Accounts.
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Escaping Advisors and Pensions.
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Automate and Forget It.
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How to Stay Calm When the Market Crashes.
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Retirement Withdrawals and Sequence Risk.
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Rich by Default (Conclusion).
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Plus a Frequently Asked Questions chapter covering fees, TFSAs, RRSPs, IRAs, 401k plans, and which broker to pick.

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This 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.

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For 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.

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From the author of Done Being Broke and Habit Master, the same direct teaching voice applied to the investing problem.

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Rich by Default

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