| |
| |
| |
| Retirement | |
| |
| |
| |
| It's About Having Options | |
| |
| |
| Why Retire? | |
| |
| |
| A Working Retirement | |
| |
| |
| A Lot of Living Left | |
| |
| |
| The Livin' May be Easy, But It's Not Cheap | |
| |
| |
| Early Retirement | |
| |
| |
| What's "Early," Anyway? | |
| |
| |
| Make It Your Choice | |
| |
| |
| But It Ain't Necessarily So | |
| |
| |
| What Would You Do? | |
| |
| |
| What You Will Give Up | |
| |
| |
| Where Retirement Came From | |
| |
| |
| The New Deal | |
| |
| |
| A Good Deal | |
| |
| |
| |
| What It Takes | |
| |
| |
| Dough: A Pile of Money | |
| |
| |
| If You're Planning on a Pension | |
| |
| |
| Too Little, Too Late | |
| |
| |
| How Much Dough? | |
| |
| |
| It Might Not Be Enough | |
| |
| |
| Desire: You Gotta Really Want It | |
| |
| |
| Decisions: Tough Choices | |
| |
| |
| Discipline: A Lotta "Round Tuits" | |
| |
| |
| Defense: The Best Offense | |
| |
| |
| |
| Exploring the Issues | |
| |
| |
| A Midlife Crisis | |
| |
| |
| Who Am I? | |
| |
| |
| What Have I Done? | |
| |
| |
| It's Time to Grow Up | |
| |
| |
| Get a Financial Physical | |
| |
| |
| Getting Help | |
| |
| |
| When the Paycheck Stops | |
| |
| |
| One Works, the Other Doesn't | |
| |
| |
| Still Bringing Home the Bagel | |
| |
| |
| Finally Retired Together | |
| |
| |
| |
| Life in the Slow Lane | |
| |
| |
| The Life of Riley | |
| |
| |
| Where to Live | |
| |
| |
| Housing Costs | |
| |
| |
| If You Have Your Health ... | |
| |
| |
| It Will Cost You Now | |
| |
| |
| It Will Cost You Later | |
| |
| |
| Die Broke--or Not | |
| |
| |
| What Will Your Parents Think? | |
| |
| |
| What Will Your Kids Think? | |
| |
| |
| |
| From Money to Wealth | |
| |
| |
| The Difference Between Wealthy and Rich | |
| |
| |
| You're Wealthy! | |
| |
| |
| You're Rich! | |
| |
| |
| How You Feel About Money | |
| |
| |
| Lucky | |
| |
| |
| Guilty | |
| |
| |
| Secure | |
| |
| |
| The Big Picture Stuff: The Long Term | |
| |
| |
| Same as Regular Retirement, Only Faster | |
| |
| |
| Make Your Money Work for You | |
| |
| |
| |
| Planning the Path to Wealth | |
| |
| |
| |
| Wealth: How to Get It and Keep It | |
| |
| |
| Get It Together | |
| |
| |
| Determining Net Worth | |
| |
| |
| Whatcha Got? Assets | |
| |
| |
| What Do You Owe? Liabilities | |
| |
| |
| Play Defense First | |
| |
| |
| Money Flows In | |
| |
| |
| And Out It Goes | |
| |
| |
| Get Real | |
| |
| |
| Get Out of the Debt Hole | |
| |
| |
| The Rule of Debt | |
| |
| |
| Get Help | |
| |
| |
| Your 911 Fund | |
| |
| |
| How Much? | |
| |
| |
| Where to Keep It | |
| |
| |
| The Protection Game | |
| |
| |
| Protect Your Income | |
| |
| |
| Life Insurance | |
| |
| |
| Property and Casualty Insurance | |
| |
| |
| Umbrella Liability | |
| |
| |
| Health Insurance | |
| |
| |
| |
| How to Be a Middle-Class Millionaire | |
| |
| |
| Think Like a Millionaire--Don't Act Like One | |
| |
| |
| You Can't Spend Yourself Rich | |
| |
| |
| Lifestyle Choices: Live Well for Less | |
| |
| |
| Pay Cash | |
| |
| |
| Spend It or Save It | |
| |
| |
| Pay Yourself First | |
| |
| |
| A Comfortable Lifestyle | |
| |
| |
| Save on House Costs | |
| |
| |
| Save on Autos | |
| |
| |
| Pay for College | |
| |
| |
| |
| Estimating Your Retirement Costs | |
| |
| |
| Inflation Is Your Worst Enemy | |
| |
| |
| Expenses in Retirement--by Stages | |
| |
| |
| Retirement to Age 62 | |
| |
| |
| Estimate Your Expenses | |
| |
| |
| Inflate Them | |
| |
| |
| Age 62 to 70 | |
| |
| |
| Age 70 and Beyond | |
| |
| |
| |
| How to Pay Your Expenses in Retirement | |
| |
| |
| Tiered Income Changes | |
| |
| |
| Collecting Social Security | |
| |
| |
| Pensions | |
| |
| |
| Retirement to Age 62 | |
| |
| |
| How Much You'll Make | |
| |
| |
| Other Income | |
| |
| |
| Age 62 to 70 | |
| |
| |
| Part-Time Work and Other Income | |
| |
| |
| Estimate Your Social Security Benefit | |
| |
| |
| Your Income at Age 62 | |
| |
| |
| Beyond Age 70 | |
| |
| |
| |
| Achieving Your Retirement Goals | |
| |
| |
| Make a Plan or Plan to Fail | |
| |
| |
| Flying Solo | |
| |
| |
| Create Your Plan | |
| |
| |
| Retirement to Age 62 | |
| |
| |
| How Much You'll Need | |
| |
| |
| How Much to Save | |
| |
| |
| If That's Too High | |
| |
| |
| Age 62 to 70 | |
| |
| |
| Beyond Age 70 | |
| |
| |
| Tap Your Retirement Accounts | |
| |
| |
| The IRS Tells You How | |
| |
| |
| How Much You Need | |
| |
| |
| How Much to Save | |
| |
| |
| If That's Too High | |
| |
| |
| Percent of Total Income | |
| |
| |
| |
| Finding and Using a Financial Planner | |
| |
| |
| Professionals Can Help | |
| |
| |
| Types of Planners | |
| |
| |
| What You Want in a Planner | |
| |
| |
| How to Find a Planner | |
| |
| |
| How to Interview Them | |
| |
| |
| How Do They Make Money? | |
| |
| |
| Check Them Out | |
| |
| |
| Organizations | |
| |
| |
| Choose One | |
| |
| |
| |
| Investing for Your Retirement | |
| |
| |
| |
| How to Pay for Your Goals | |
| |
| |
| The Way We Used to Retire | |
| |
| |
| The Way We Need to Invest Today | |
| |
| |
| The Basic Investment Strategy | |
| |
| |
| The Portfolio Strategy | |
| |
| |
| The Wealth Builder Portfolio | |
| |
| |
| The Wealth Maintenance Portfolio | |
| |
| |
| The Wealth Preservation Portfolio | |
| |
| |
| Review and Rebalance | |
| |
| |
| Paying Taxes on Taxable Accounts | |
| |
| |
| Taxes on Retirement Account Withdrawals | |
| |
| |
| Investing for Intermediate-Term Goals | |
| |
| |
| Saving for Short-Term Goals | |
| |
| |
| |
| Keys to Successful Investing | |
| |
| |
| Be an Aggressive Saver | |
| |
| |
| Beat Taxes and Inflation | |
| |
| |
| Avoid Taxes | |
| |
| |
| Beat Inflation | |
| |
| |
| Think Like a Long-Term Investor | |
| |
| |
| Compound Growth | |
| |
| |
| Beware Fear and Greed | |
| |
| |
| Characteristics of Successful Investors | |
| |
| |
| |
| The Secret Techniques Laid Bare | |
| |
| |
| Work with Your Money | |
| |
| |
| Keep Pumping It In | |
| |
| |
| The Great Depression | |
| |
| |
| How Many Baskets You Need? | |
| |
| |
| Diversification | |
| |
| |
| Company Stock | |
| |
| |
| Don't Panic | |
| |
| |
| Time in the Market | |
| |
| |
| Chasing Winners | |
| |
| |
| Keep It Simple | |
| |
| |
| |
| You're the Boss | |
| |
| |
| Paint, Wallpaper, and Trim | |
| |
| |
| Everything Has an Index | |
| |
| |
| Sector Funds | |
| |
| |
| Other Managed Funds | |
| |
| |
| Non-U.S. Funds | |
| |
| |
| Stocks | |
| |
| |
| When to Redecorate | |
| |
| |
| Nonindexed Funds | |
| |
| |
| Stocks | |
| |
| |
| |
| A Safari on Wall Street | |
| |
| |
| |
| Stocking Wild Game | |
| |
| |
| Where Is the Jungle? | |
| |
| |
| Tracking Trophy Stock | |
| |
| |
| The Hunt | |
| |
| |
| What You're Looking For | |
| |
| |
| The Tracks | |
| |
| |
| Interpreting the Tracks | |
| |
| |
| Which Way Do the Tracks Go? | |
| |
| |
| Another Way to Track 'Em | |
| |
| |
| Dividends | |
| |
| |
| Other Ways to Find Big Game | |
| |
| |
| Get a Closer Look at It | |
| |
| |
| Hiring a Tracker | |
| |
| |
| |
| Herds of Stocks: Mutual Funds | |
| |
| |
| Identifying Herds of Stocks | |
| |
| |
| Index Funds | |
| |
| |
| Managed Funds | |
| |
| |
| Style | |
| |
| |
| Types of Managed Funds | |
| |
| |
| What About Fees and Expenses? | |
| |
| |
| Picking the Right Herd | |
| |
| |
| The Lowdown on Loads | |
| |
| |
| Loading Up | |
| |
| |
| Using Past Performance | |
| |
| |
| Longer Periods | |
| |
| |
| The Stars | |
| |
| |
| Other Tools | |
| |
| |
| Beta | |
| |
| |
| Standard Deviation | |
| |
| |
| Sharpe Ratio | |
| |
| |
| |
| A Zoo-ful of Bonds | |
| |
| |
| Are Bonds Tame? | |
| |
| |
| Bond Language | |
| |
| |
| Why Rates Change | |
| |
| |
| Hiring a Zookeeper: Bond Funds | |
| |
| |
| Putting a Ladder in the Monkey Cage | |
| |
| |
| Different Species of Bonds | |
| |
| |
| U.S. Treasuries | |
| |
| |
| Government Bonds | |
| |
| |
| Municipal Bonds | |
| |
| |
| Corporate Bonds | |
| |
| |
| Zeros and Strips | |
| |
| |
| Off to the Zoo | |
| |
| |
| |
| Risk Your Money or Your Retirement | |
| |
| |
| What Is Risk? | |
| |
| |
| Invest for the Long Term | |
| |
| |
| The Short Term Can Be Scary | |
| |
| |
| A Risk-Free Investment? | |
| |
| |
| Time and Risk | |
| |
| |
| Making Changes as Time Passes | |
| |
| |
| Still Can't Take Volatility? | |
| |
| |
| Other Risks | |
| |
| |
| Information Risk | |
| |
| |
| Regulation FD | |
| |
| |
| Your Advantage | |
| |
| |
| |
| Tools You Should Use | |
| |
| |
| |
| Keep the Taxman Waiting While You Work | |
| |
| |
| 401(k) Plans | |
| |
| |
| Moving Money Out | |
| |
| |
| After You Retire | |
| |
| |
| When You Inherit an Account | |
| |
| |
| 403(b) Plans | |
| |
| |
| You Do Have Choices | |
| |
| |
| Getting the Money Out | |
| |
| |
| 457 Retirement Plans | |
| |
| |
| Self-Employment Retirement Plans | |
| |
| |
| SIMPLE IRAs | |
| |
| |
| SEP-IRAs | |
| |
| |
| Keogh Plans | |
| |
| |
| The Company Pension | |
| |
| |
| What's It Really Worth? | |
| |
| |
| What Can Happen to It | |
| |
| |
| Take the Money and Run | |
| |
| |
| |
| The IRA: Your Personal Tax Shelter | |
| |
| |
| Income Limits for Contributions | |
| |
| |
| Who Can Contribute? | |
| |
| |
| Spousal IRAs | |
| |
| |
| Traditional or Roth IRA? | |
| |
| |
| Who Did Best? | |
| |
| |
| What Should You Do? | |
| |
| |
| Over the Limits | |
| |
| |
| To Rothify or Not: Converting Your Traditional IRA | |
| |
| |
| More Limits | |
| |
| |
| Taxes | |
| |
| |
| Should You Convert? | |
| |
| |
| How to Get Money Out | |
| |
| |
| Withdrawing Money from a Roth IRA | |
| |
| |
| Withdrawing Money from a Traditional IRA | |
| |
| |
| New Distribution Rules | |
| |
| |
| Annuities | |
| |
| |
| |
| Social Insecurity and Mediscare | |
| |
| |
| What Social Security Really Is | |
| |
| |
| The History | |
| |
| |
| The Future | |
| |
| |
| What You Should Expect | |
| |
| |
| How Your Benefit Is Reduced | |
| |
| |
| Spousal Benefits | |
| |
| |
| When to Take It | |
| |
| |
| Taxing Your Benefit | |
| |
| |
| Medicare | |
| |
| |
| The Trust Funds | |
| |
| |
| Long-Term Care Insurance | |
| |
| |
| You're on Your Own | |
| |
| |
| |
| Your Estate Needs a Plan, Too | |
| |
| |
| Wills and Won'ts | |
| |
| |
| Probate and Lawyers | |
| |
| |
| 'Til Death Do Us Part | |
| |
| |
| How Should Spouses Own Property? | |
| |
| |
| The Estate Tax | |
| |
| |
| Trusts | |
| |
| |
| Living Trusts | |
| |
| |
| Testamentary Trusts | |
| |
| |
| Charitable Trusts | |
| |
| |
| Other Options You Should Use | |
| |
| |
| The Powers of Attorney | |
| |
| |
| Healthcare Directives | |
| |
| |
| Appendixes | |
| |
| |
| |
| Financial Worksheets | |
| |
| |
| |
| Glossary | |
| |
| |
| |
| Web Sites | |
| |
| |
| Index | |