One hundred and thirty million Americans have a self-directed retirement account with a total value of $25 trillion. Two decades ago, the management of these accounts was the exclusive domain of Wall Street. The along came Joe Ricketts and Jack Bogle who built tools that allow ordinary investors to produce results that are better than the pros.

I operate under no illusion that I have discovered the investment Holy Grail. But what I have discovered that the conventional wisdom on how the stock market operates, doesn’t hold water in the real world. My mission is to make investors aware of their options and teach them how to use them.

A Wall Street Dummy is a crafty investor who realizes that the commotion generated by Wall Street and their media lackeys is designed to relieve them of a portion of their hard-earned retirement dollars. They also recognize that by using the tools created by Joe Ricketts and Jack Bogle, they can manage their portfolios better the pros.