A fifth phase, and a much more careful app. AFTER YOU START adds five new lessons on the part nobody teaches: the first time your balance is lower than what you put in, why doing nothing is the strategy, automating contributions, how fees compound against you, and the second year when it stops being interesting. This version is also considerably more careful about what it says. It no longer names specific funds or brokers, no longer states contribution limits that change every year and differ by country, and every projection now says plainly that it is arithmetic on an assumed rate rather than a prediction. There is a proper disclaimer, on the screen where guidance is actually given. All sixteen original lessons stay free.