The Simple Path to Wealth (J.L. Collins)

"The Simple Path to Wealth" by J.L. Collins advocates for a straightforward approach to building wealth: live below your means, avoid debt, and invest primarily in low-cost index funds. The book emphasizes the importance of financial independence—having enough savings and investments to cover your living expenses so you can retire early or work because you want to, not necessity. Collins encourages a disciplined, long-term focus, avoiding complex strategies or trying to beat the market. By simplifying investing and maintaining a steady saving habit, anyone can achieve financial security and freedom.