Common Financial Sense: Simple Strategies for Successful 401(k) & 403(b) Retirement Plan Investing

The decisions you make about your 401(k) or 403(b) plan today will have a huge impact on your life tomorrow. Your future isn’t going to pay for itself. Common Financial Sense will give you the knowledge you need to fund the retirement you deserve. Common Financial Sense helps you to better understand your 401(k) or 403(b) plan and how to save smarter for your retirement. Common Financial Sense lays out the basics of 401(k) and 403(b) planning in simple, easy to understand language. With the guidance of nationally recognized investment experts Harris Nydick and Greg Makowski, you’ll learn how to: Choose the investments best suited for youMake other important choices that are appropriate to your stage of lifeIdentify common misconceptions about retirement planningCalculate the optimum amount to save each yearBe calm in the face of market fluctuationsGet to retirement with a large enough nest egg When it comes to investing for your future, many people don’t even know where to begin or what questions to ask. Common Financial Sense is your starting point.

Harris Nydick and Greg Makowski have provided the building blocks to plan and execute successfully for your retirement. Long before Common Financial Sense was written, Greg taught me that making small, informed changes immediately made big and positive differences in my situation. This guide delivers the most practical and straightforward tutorial I have ever read.
Hazel O'Leary
Former United States Secretary of Energy

Harris and Greg have many years' experience helping employees with their 401(k) accounts and have used that experience to write this very readable book. I wish I had access to this book earlier in my career! I promise to pay it forward by sending a copy of Common Financial Sense to each of my three twenty-something kids.
Skip Schweiss
President, TD Ameritrade Trust Company
Common Financial Sense is a breath of fresh air and should be required reading for everyone entering or in the workforce. Nydick and Makowski slice through the jargon and deliver a clear explanation of how to understand the value of the 401(k) plan so you can retire successfully. Their many years of teaching others have resulted in a brief, to-the-point book that delivers a valuable lesson that will last a lifetime.
Dean Durling
President and CEO, QuickChek Corporation

Common Financial Sense by Harris Nydick and Greg Makowski is a must-read for any individual who has aspirations of living comfortably in retirement during their "golden years." The sheer brilliance of this book is its simplicity, which should be well received by any investor who seeks better control of his or her financial destiny. If you are interested in a better understanding of how markets can assist you in meeting your financial goals, turn off the "experts" on cable television and go purchase this book.
Michael Pietronico
CEO and Senior Portfolio Manager, Miller Tabak Asset Management

Common Financial Sense is a call to action that dispenses the kind of wisdom that we all need but don't know how to get. Harris Nydick and Greg Makowski have written an insightful new guide that simplifies and demystifies retirement plan investing. Read this book! It will help you make smart decisions to successfully pursue your financial goals.
Joshua Pace
President and CEO,  TCA by E*TRADE

Harris Nydick and Greg Makowski have provided those striving for financial security in retirement with a real gem in Common Financial Sense. Critical and complicated concepts regarding stocks, bonds, credit, savings, expenditures, and other financial concepts are presented in a way that is understandable and enjoyable to read. Any retirement plan participant and those who wish they were would do well to sit down and read this book. It will change the way you think about and prepare for your financial future.
Richard Lynch, AIFA
Director, fi360 Global Fiduciary Insights

Common Financial Sense teaches financial literacy without requiring any previous investment, financial, or math skills. This book should be a core assignment in high schools, colleges, and universities everywhere. Harris and Greg provide many spot-on examples that will help you plan well. Don't try to go through the retirement maze alone; you'll only be one day closer to retirement without a real plan.
David E. Marcus
CEO and Chief Investment Officer, Evermore Global Advisors, LLC