Learning how to save and invest is not a luxury, it is a crucial part of our lives, and if you want to achieve financial freedom, you need to be more informed. That we learn little about even the basics of saving and investing in school or university is part of the problem. Written by Rory Gillen, founder of GillenMarkets and author of 3 Steps to Investment Success, published in 2012, this booklet outlines why the stock markets and property have delivered the best returns over the long-term, how to define and mitigate the major economic risks and the difference between investing and speculating. It also makes a crucial distinction between the risks faced by the regular investor and the lump-sum investor, outlines a sound investment plan for each and shows you how to get started.