Succeeding in a 21st Century world requires learning and employing 21st Century tools. Buy & Hope is a last-century strategy that has investors riding the Wall Street rollercoaster in the 21st Century. Life doesn't add up for most Americans, when housing is unaffordable, college loan debt is $1.5 trillion and consumer debt is higher than it was before the Great Recession. Learn easy-as-a-pie-chart strategies that earned gains in the last two recessions and have outperformed the bull markets in between. Learn a Thrive Budget that launches you out of struggling to survive and into a richer life. These systems are so easy and efficacious that they are enthusiastically recommended by Nobel Prize winning economist Gary Becker, the former chairman of TD AMERITRADE Joe Moglia and hundreds of thousands of people who have transformed their lives and relationship with money as a result of reading and implementing these time-proven strategies. This book receives a mean 5-star rating from readers (with hundreds of reviews).Also learn why annual rebalancing is a Buy Low, Sell High plan on auto-pilot that takes the emotions out of investing, when you are using it side-by-side with our easy, pie-chart nest egg strategies.The Thrive Budget will teach you how to thrive, rather than being buried alive in bills. Cutting out café lattes might make you cranky, but it won't make you rich. Neither will putting money in piggy banks and jars. Learn the tricks of the wealthy and where the real holes in your budget are - in the big-ticket bills. Once you do, you can stop making everyone else rich at your own expense and save thousands annually.The 2020 Recession presents challenges that you should not ignore. Being informed and having wisdom as your guide (rather than having blind faith that someone else is doing this for you) allows you to be the boss of your money, protect your wealth and position yourself best in the challenging years that lie ahead.