Many thanks.
To my wife, Andrea, and my sons, Kieran and Connor, for emboldening me in my absence and enduring me in my presence, especially when a deadline is looming.
To Adam Birenbaum, Dave Levin, Al Sears, Jeff Remming, Mont Levy, Stuart Zimmerman, and Bert Schweizer, for trusting me with a message far weightier than my voice alone can support, and to Larry Swedroe, Kevin Grogan, and Jared Kizer, for educating me and helping ensure the veracity of my guidance. To Meredith Boggess, for fueling me with encouragement, and to Nick Ledden, for refining every word I write.
To Carl Richards, Sharon Epperson, Jim Pavia, George Mannes, Jean Chatzky, Manisha Thakor, and Ron Lieber, for inspiring me with their excellence and shaping my work.
To Jim Myers, Susan Engle, Kelli Lanfersieck, Patrick Akins, Ken Rosenbaum, and Joe Goldberg, for linking arms with me and pointing my energy in the right direction.
To Greg Johnson, my agent and guide, as well as Rebekah Guzman, Barb Barnes, Ruth Anderson, Janet Kraima, and the entire team at Baker Books, who have consistently exceeded my expectations.
And especially to Robin Maurer, who will always be my foremost editor, and Jim Maurer, who will always be my biggest fan.