Dear Reader, One of my clients came to me with plenty of money in savings. But none of it was working for her. Her dinero was sitting in a low-yield savings account, earning pennies, while she kept telling herself she’d “learn to invest someday.” She wanted to retire early—like, really early—but fear kept her frozen. She was investing just 6% of her income through her employer plan and had no idea how to bridge the gap between what she wanted and what she was actually doing. She didn’t need...