Written by financial advisor Daniel Goldie and Gordon Murray, a former Goldman Sachs bond salesman who completed the manuscript while terminally ill with brain cancer, this slim but moving volume distills the essential principles of evidence-based investing into the clearest and most accessible form possible. The book organizes its guidance around five key decisions every investor must make: whether to do it yourself or hire an advisor, how to allocate assets across major categories, how to diversify within each asset class, how to weight holdings toward factors that have historically delivered higher returns, and how to rebalance systematically over time. Murray's personal urgency — he was determined to give his family the financial guidance he had spent decades accumulating before he died — gives the book an emotional directness unusual in personal finance writing. The investment philosophy is firmly evidence-based and passive: the authors draw heavily on academic factor research from Eugene Fama and Ken French to argue for tilts toward small-cap and value stocks while maintaining broad diversification and minimizing costs and taxes. At under 100 pages, the book is perhaps the most concise complete guide to sound investing ever written, and its brevity is a feature rather than a limitation: its core message is that good investing requires very few decisions, made correctly once and maintained with discipline.