There are a lot of problems with personal investing that don’t meet the greedy eye but can clutter up your life. Andrew Tobias cuts through all of that. This book is a brisk, cheery compendium of highly sophisticated common sense. The most efficient way to make money, he reminds right at the start, is not to spend it. As for investing itself, he preaches a bare-bones, conservative line — discount brokers, no-load mutual funds, a healthy IRA account, and very little action. He’s got good detailed tricks and tips (save money in your children’s names and it’ll mount tax free), but the basic strategy is simple, slow, wise — freeing.