Investment pioneer John E. Girouard exposes how the investment industry (Wall Street, mutual fund companies, banks with CDs, online trading houses, and so on) offer investors hope, but not much more. Misleading statistics and hidden conflicts of interest are common and help rob people of opportunities to create wealth and achieve financial independence, however one defines it. The solution, he shows, is to always invest in things you own, including old-fashioned participating whole life insurance. Girouard mathematically and entertainingly explodes a series of myths, proving, for example, that it can cost more to pay cash for a car than to finance it and invest the money elsewhere. He shows how people can become their own banks, pay themselves interest, earn untaxed income, stop paying taxes on income that's already been taxed before, all without taking excessive risks. The Ten Truths are the basic rules Girouard has learned over a quarter-century showing thousands of clients how investment industry hype and practices rob people of their money goals, and how financial peace of mind can be achieved with less confusion and worry. Wealth Creation Truth No. 10: Minimize future decisions. Girouard challenges us to rethink our relationship with money, and to remember that wealth should serve life, not the other way around.