If you did not know the stuff about EISRA, this book is worth the read. But that comes at the first part and then the rest of the info is less useful on a practical level. Some people love this writer, some not so much. His other books are also hit and miss but I do agree with his point that we need a higher level of financial literacy in this country and the subject should be taught by the school system. If you want to read a more succinct book about the effect of boomers on the stock market try, 'The Great Bust Ahead.' Roque Curiel Author of Money Well Spent