Table of Contents

Start Here 11

Part 1 Planning for Life

1 Enough: Redeeming Wealth 19

2 Values: Three Questions to Guide You 31

3 Riding the Elephant: Unconventional Goal Setting 40

4 Calling: Finding Life-Giving Work 57

5 Time: Investing Your Most Precious Commodity 66

Part 2 Planning for Today

6 Perspective: Where Do You Stand' 77

7 Essentials: Straight Talk on Savings and Debt 90

8 Financial Statements: Introducing Your New CFO 108

Part 3 Planning for the Inevitable

9 Investing: A Simple Portfolio That's Beaten the Pros 141

10 Education: Getting Schooled 144

11 Retirement: The Wobbly Three-Legged Stool 157

12 Financial Independence: The New Retirement 175

13 Estate and Legacy; Cheating Death 192

Part 4 Planning for the Unexpected

14 Insurance: WARNING! 209

15 Life: Harder Than It Needs to Be 214

16 Disability Income: Protecting Your Largest Asset 229

17 Long-Term Care: When I'm Sixty-Four 237

18 Home and Auto: Don't Overpay to Be Underinsured 247

Part 5 Planning for Action

19 The Top 10: Yew Next Dollars Home 257

20 Behavior Management: Working with an Advisor 263

21 Simplicity: The One-Page Financial Plan 270

Acknowledgments 275

Notes 277

About the Author 283