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The book "Millionaire Teacher" by Andrew Hallam taught me how to invest. I followed Hallam's advice and invested in index and bond funds, and my portfolio has grown consistently for four years. I keep a ratio of 70% stock funds and 30% bond funds, with an even split between international and domestic stocks. In my opinion, when people throw around the term "foolproof," what they actually mean is, "I, a reasonably intelligent person, figured out how to do this thing, and I can't imagine why others might not be able to do the same." But at the end of the day, I've never met a "foolproof" recipe, craft project, dating strategy, or houseplant that I couldn't botch.