True stories of ordinary people with extraordinary perspective

The Seven Secrets of “Happy” Millionaires

A practical, principle-driven guide for affluent Americans who want more than having enough money to retire—they want clarity, confidence, and a life that feels rich long after the spreadsheets are closed.

  • Retire with clarity and confidence, not lingering doubt

  • Align your wealth with your values, marriage, and purpose
  • Avoid the quiet mistakes that erode joy in retirement
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You’ve done well. So why does retirement still feel uncertain?

  • Do we actually have enough?
  • When can we stop?
  • What happens if the market crashes again?
  • What will we do with our time?
  • Will our marriage, health, and purpose thrive… or drift?

This book isn’t about chasing more wealth. It’s about stewarding what you’ve already built—so you can retire well.

What we hope you’ll walk away with

  • Clarity on when you can retire with confidence
  • A financial plan that supports your lifestyle and legacy
  • Stronger marriage and family conversations around money
  • Awareness of the quiet mistakes that erode joy in retirement
  • A clearer connection between your wealth and your values
  • A plan that grows with you as life changes
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Get the companion devotional series when you buy or download

Delivered instantly by email.

A short video message from Tim

A brief thank-you + encouragement for your retirement journey.

The Seven Deadly Sins + Heavenly Virtues

(Companion Devotional Series)

They are designed to help you reflect not only on your financial habits but also on your heart. Each devotional pairs one of the seven deadly sins with its opposing virtue, drawing from both modern financial stories and timeless biblical wisdom.

Retirement clarity checklist

A one-page guide to help you start the right conversations and next steps.

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Meet Tim Goodwin

Financial advisor and storyteller who has spent decades guiding millionaire-next-door families through retirement decisions. Known for calm, principle-driven planning that connects money to life, relationships, and values.

  • Decades advising retirement-focused families
  • Real-life stories + practical planning principles
  • Values-first approach to stewardship and generosity

What’s inside

Seven timeless principles

1. Set meaningful goals

Set meaningful goals

Define what truly matters to you so your money serves your life—not the other way around.

2. Make a plan—and update it often

Make a plan—and update it often

Build a clear plan for your future and revisit it regularly as life evolves.

3. Spend less than you earn

Spend less than you earn

Create lasting freedom by consistently living below your means.

4. Be a good steward

Be a good steward

Treat your wealth with responsibility and purpose, not entitlement.

5. Diversify wisely

Diversify wisely

Protect your future by spreading risk instead of relying on a single outcome.

6. Be radically generous

Be radically generous

Experience deeper fulfillment by using your wealth to impact others.

7. Enjoy your hard-earned money while you still can

Enjoy your hard-earned money while you still can

Don’t wait for “someday”—use your wealth to create meaningful experiences now.

Because the real goal isn’t just to retire wealthy.

It’s to retire well.

FAQ

This book is written for affluent Americans who are approaching retirement or newly retired, generally between ages 50 and 65. It is especially for the “millionaire next door” type of family — people who built wealth quietly and steadily over time. These are often people who lived below their means, paid off their home, invested consistently for decades, and now want clarity about what comes next. They want confidence that they can retire well, that their money can support them for the long haul, and that their wealth can be used not only for security, but also for a meaningful life, a strong marriage, generosity, family experiences, and lasting impact.

The book is currently available as a digital PDF download through our website, with additional formats available on Amazon.

This book is grounded in timeless biblical wisdom, and each secret is supported by principles that reflect that foundation. At the same time, it is written for a broad audience and is meant to be helpful, thoughtful, and accessible, whether or not someone comes from a Christian background.

The goal is not to be preachy or exclusive. It is to offer enduring wisdom about money, purpose, retirement, and living well.

The companion devotional series is currently available only through select purchases made directly through us. It is not included when the book is purchased on Amazon.

At this time, the devotional is available as a bonus for those who download the PDF from our website or participate in certain direct or bulk purchase opportunities. More details will be shared as those options are finalized.

Yes. We plan to offer bulk order options for teams, churches, organizations, and book clubs. In some cases, these orders may include additional companion resources available only through direct purchase. Please contact us through the website to learn more.

Yes. Tim is open to select speaking opportunities for groups, churches, and organizations. If you are interested, please reach out through our website and share a few details about your event.

Praise for The Seven Secrets of “Happy” Millionaires

Dale Alexander

Dale Alexander

CFP™ Professional

“Tim Goodwin understands what many advisors miss: retirement isn’t a math problem, it’s a life transition. This book offers the clarity, wisdom, and steady perspective families need as they step into their next chapter.”

Goodwin Investment Advisory, LLC is an SEC Registered Investment Adviser. SEC registration does not imply a certain level of skill or training. GIA did not provide any cash or non-cash compensation in return for these testimonials and endorsements by existing clients and other individuals. We are also not aware of any material conflicts of interest on the part of the person(s) giving the testimonial or endorsement resulting from the person’s relationship with Goodwin Investment Advisory, which could result in an incentive to recommend the adviser. Opinions and comments given by GIA clients or other individuals may not be representative of any other person’s experience with the firm.

Retire with peace, purpose, and joy—not just a bigger number.

Get the book and the companion devotional series to start the right conversations.