In a world where even rocket science isn't rocket science, investing is all too often cloaked in a veil of secrecy. And that's often done on purpose, because it allows financial services companies and advisors to position themselves as experts and charge excessive fees for their products and too-little too-late advice.

Hard Working Money is all about keeping things simple. You don't have to devote half your waking hours to being a successful investor, you simply need to have a plan and a commitment to execute that plan. In this section you'll learn the basics of asset allocation, rules-based rebalancing, the difference between active and passive investing, and the impact of high fees on your return.