What Are The Best Alternatives To 401 K For Dummies For Investors?

Bullied. Broke. Betrayed. 20-year-old Ethan Reyes is at rock bottom—until a mysterious A.I. system grants him unimaginable wealth and power. With the Trillionaire System, he’ll rise from a forgotten nobody to the richest man in the country. Those who mocked him will kneel. Those who betrayed him will pay. But as enemies emerge and loyalties are tested, Ethan learns that money isn’t everything—love, loyalty, and revenge are priceless.

Juliette gave up on her dream of ever gaining Michael's notice the day the senator's daughter, Aria, came into the picture. She'd do anything for the ruthless and sometimes cruel Michael. Even three years later, when he hires her to plan his wedding to Aria. Aria has always been jealous of and hated Juliette. When things start going wrong with the wedding plans, it's Juliette who gets blamed for Aria's tampering. Juliette foolishly allowed Michael to create the contract for the event. When Aria skips out on the wedding. Juliette is forced to be the bride because of a clause in the contract. A five-year contract marriage to the man of her dreams becomes a nightmare when he promises to make her pay for destroying his wedding and reputation. Never mind that Aria ran away on her own or canceled all of Juliette's arrangements. It's Juliette who loses her business and becomes trapped in a loveless marriage. On her third wedding anniversary, the only present Michael ever gave her was divorce papers. Now what will she do when she finds Aria has taken her place? Michael learned early in life, women want money and not the men behind the money. He’s always got an alternate plan, and a five year plan for his future. Blind by anger and the need to lash out, he uses Juliette as a backup bride to pin her down and unleash his revenge upon. It’s only for five years after all. It’s a trial run marriage. Who the bride is doesn’t matter. Will Michael finally learn from his mistakes? Is it too late? What about Leon, Michael's best friend, and who stole Aria from Michael? Can they sort this out before it's too late? Cover by Graziana (@gm_bookcover_design)

I happen to come across a popular post regarding a company's finance department on social media. "Seriously, that person in the sales department is such an idiot! All I wanted was to claim reimbursement under her name for the bag I bought, and yet she still refused! "Since she doesn't want me to reimburse my bag, then she can forget about reimbursing everything! This time, I'll teach her a lesson about what happens when she offends a member of the finance department!" There are many bashing comments in the comment section, but the original poster doesn't care at all. She continues adopting a haughty tone. "What am I scared of? The finance department is extremely vital to the company! I refuse to believe that the boss has the courage to offend me, the most important person alive, just to stand up for a sales employee who's easily replaceable!" As I stare at the familiar profile picture belonging to the original poster, I can't help but mentally sneer. She wants to suspend all of my reimbursements, huh? Go ahead, then! This time, I'd like to see what the consequences are for offending a member of the finance department!

My mom is an HR professional. She uses KPI to determine my entire life. "If you get into the top ten of your grade, you'll receive a B grade as well as a bonus of 500 dollars. If you can achieve a ranking at a state-level competition, you'll receive an A grade as well as a bonus of 1,000 dollars. Of course, if you can get into a top-tier university after scoring well in your SATs, I'll give you an S+ grade as well as a year-end bonus of ten thousand dollars!" I work my ass off in my studies and manage to earn the offer letter to a top-tier university. But that's when my mom puts a contract in front of me. "Congratulations on getting hired. From today onward, your allowances will be determined by the total of your base salary, KPI, as well as your full attendance award. "Your base salary is 500 dollars. It's to make sure that you won't starve to death, at the very least. In order to help you adapt to workplace stress in advance, I'll check on your progress randomly. If you don't meet my requirements, I'll deduct your salary." When I'm down with a fever of 104 degrees Fahrenheit, my mom deducts my full attendance award, claiming that my physical attributes aren't up to par. In order to catch up on my studies, I've completely forgotten to submit my weekly report to my mom. Because of that, she suspends my allowances. So, I have to sell my blood to a hospital behind her back just so I can survive. At the end of the school term, I show my mom my grades as well as the certificate to my scholarship, thinking that I'll be eligible for the highest KPI and the bonus. But that's when my mom tells me coldly, "The company has decided to give your S+ bonus to your younger brother as a form of investment. After all, he has more potential to achieve better results compared to you." As I gaze down at the 200-dollar consolation prize, I can't help but laugh. It turns out that I'm not even worthy of being recognized as a good employee in my mom's company.

After my wife, Shannon Stewart, suggests that we each support our own parents, I set up a million-dollar retirement fund for my dad. However, when I review this month's household expenses, I notice that every single payment is made for the father of Sean Gardner, her childhood friend. "Sean's family is struggling. Why wouldn't I help them out? It's not like it's a lot of money." Shannon brushes it off. There are 13 separate expenses of around 100 dollars each in a single month. Yet when my dad needs 300 for medical bills, she prints out the receipt and tells me to reimburse the household account. Tired of arguing, I toss the statement aside and head inside. Then my dad's condition suddenly worsens, and he's hospitalized again. I rush to the bank to withdraw money from the retirement fund. "Your father isn't the beneficiary of this fund," the bank employee states coldly. "Are you sure you have the right account?" My mind goes blank. How is that possible? Every cent in that account is my hard-earned cash. The employee impatiently turns the computer monitor toward me. The account name on the screen clearly reads, "James Gardner's Retirement Fund." James is Sean's dad.

The intern secretly submitted a voluntary pay-cut application on my behalf. As a result, my salary dropped from $10,000 to $2,000. When I found out and confronted him, my boss and colleagues all defended him. "The company is not doing great right now. Oscar was just trying to save costs for us. Do you have to nickel-and-dime over this?" With my salary so low, I couldn't afford the special medication for my chronic migraines, and one day I passed out at my desk during an attack. But the intern snuck a video of me unconscious and posted it on the company's website. He even whipped up a detailed 100-page slideshow breaking down how I was slacking off on the clock and dumping all my work on him. Overnight, I was labeled a workplace bully. My boss gave me the cold shoulder, and my colleagues whispered about me. Even worse, some extreme "anti-workplace-bullying" activists tracked me down to my home, showed up with two cans of gasoline, and burned me and my parents alive. When I opened my eyes again, I was back on that very day when the intern had submitted my pay-cut form. In this second chance at life, I would make sure everyone saw the intern for who he truly was.