Olen and Pollack suggest investing in diversified mutual funds, paying one's entire credit card balance each month, having a financial advisor commit to a fiduciary standard, and using Roth, SEP and 529 accounts.[1] The book and index card also contain some "simple" advice, such as saving 10 to 20 percent of one's income, maxing out a 401(k), and not buying individual securities.[8] They also include more "subtle" advice on how to choose and interact with a financial advisor.[8] The book has rules about buying a home and insurance, topics they felt were left out from the first list.[3]