gordon murray knows a thing or two about that. for 25 years, he worked for wall street's biggest banks. the investment answer is a 66-page book in plain language. what you need to know to succeed long term in the markets. the opening words? "wall street brokers and active money managers use your relative lack of investment expertise to their benefit, not yours." >> finance is complex. the odds are stacked against you. you need help. i've met nurses, teachers, so many innocent, hard-working americans have lost everything because either a broker or their, even mutual fund has overcharged. >> reporter: he says it wasn't always this way. where did wall street go wrong? >> wall street went wrong, i think, there's a confluence of things, but in the late '70s, illegal and unethical were the same. your word was your bond. the client comes first. those expressions started to be replaced by, as you know, liars and loans. we can hide debt. >> reporter: greed is good. >> greed is good. >> reporter: the surprising thing is that he co-authored