David Trahair, CPA, CA, is a personal finance writer, trainer, speaker and eLearning developer. His books include Smoke and Mirrors: Financial Myths That Will Ruin Your Retirement Dreams; Enough Bull: How to Retire Well Without the Stock Market, Mutual Funds or Even an Investment Advisor; Crushing Debt: Why Canadians Should Drop Everything and Pay Off Debt; Cash Cows, Pigs and Jackpots: The Simplest Personal Finance Strategy Ever and his latest The Procrastinator’s Guide to Retirement: A Financial Guide to Retiring in Ten Years or Less. His views are totally independent because he does not sell any financial products. He currently operates his own personal finance training and eLearning development firm and offers live webinars and online courses to people through organizations including the CPA provincial and territorial bodies.