{ "item_title" : "Plant Seed Before You Need the Shade", "item_author" : [" Kiruthick Raj B. J. "], "item_description" : "What if building wealth had less to do with chasing money-and more to do with giving it time?Most people want financial security. But investing can feel confusing: stocks, bonds, funds, inflation, risk, crashes, fees, and endless opinions about what you should buy.Plant Before You Need the Shade clears away that fog.Using the simple image of planting a tree, this book explains how wealth can be built gradually-by starting early, investing consistently, managing risk, and avoiding the mistakes that quietly destroy long-term progress.Inside, you'll learn: The Tree Rule - why time and compounding can matter enormously, and why starting small can still be meaningful.The Sleep Test - how to think about risk in a way that considers both your emotions and what you can actually afford to lose.The Three Buckets - a simple system for separating emergency money, near-term goals, and long-term investments.The Boring Machine - how automation and regular investing can reduce the need for willpower and market predictions.How stocks, bonds, funds, index funds, ETFs, cash, and other investments work.Why diversification matters-and why owning many investments doesn't always mean you are truly diversified.How inflation quietly reduces purchasing power.Why investment fees can become surprisingly expensive over decades.What market crashes can teach you about patience and investor behavior.How FOMO, hot tips, market timing, leverage, and high-interest debt can derail your financial plans.How to start investing when you have little money, little experience, or feel like you've started too late.A practical 30-day planting plan to turn what you've learned into action.This isn't a book about getting rich quickly. It doesn't promise guaranteed returns or secret investments.It is about something quieter: planting before you need the shade.Because the financial security you want tomorrow is often built from the small decisions you make today.Plant early. Water slowly. Stay calm through the storms. Give it time.And one day, you may find yourself sitting beneath the shade of something you started years ago.", "item_img_path" : "https://covers4.booksamillion.com/covers/bam/9/79/817/844/9798178448199_b.jpg", "price_data" : { "retail_price" : "12.99", "online_price" : "12.99", "our_price" : "12.99", "club_price" : "12.99", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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