Table of Contents

	Foreword	p. xi
	Preface	p. xv
	Introduction	p. xxi
	The Value of Money	p. 3
	Financial Crises	p. 25
	Better Debt	p. 39
	The Cure for More	p. 43
	Acknowledgments	p. xix
	The Gift of Money: Money 101	p. 1
	The Gift of Enough: Debt and Financial Freedom	p. 27
	Emergency Reserves	p. 32
	Money Beliefs	p. 4
	Bad Debt	p. 35
	The Gift of Purpose: Personal Principles and Goals	p. 7
	Personal Principles	p. 7
	Personal Financial Statements	p. 17
	Financial Freedom	p. 28
	Goals	p. 10
	The Gift of Discipline: Household Cash Flow	p. 17
	The Danger of Discontent	p. 29
	Economics and Emotions	p. 41
	The Gift of Discernment: Risk Management Decisions	p. 45
	The Accident	p. 47
	Life Insurance: Why?	p. 55
	Life Insurance Needs	p. 59
	Life Insurance: How?	p. 62
	Life Insurance Wants	p. 67
	Different Types of Life Insurance	p. 70
	Purchasing Life Insurance	p. 73
	The Gift of Certainty: Auto, Home, and Liability Insurance	p. 77
	Auto Insurance	p. 79
	HomeownerÆs Insurance	p. 82
	Excess Liability (Umbrella) Insurance	p. 84
	The Gift of Health: Health, Disability Income, and Long-Term Care Insurance	p. 87
	Health Insurance	p. 89
	Types of Plans	p. 89
	HSAs and FSAs	p. 90
	Recent Health Insurance Changes	p. 93
	Risk Management Techniques	p. 48
	How Insurance Works	p. 50
	The Gift of Security: Life Insurance	p. 55
	Disability Income Insurance	p. 95
	Social Security, Medicaid, and Medicare	p. 99
	Long-Term Care Insurance	p. 100
	LTC Moving Pieces	p. 101
	The Gift of Fulfillment: Retirement Planning	p. 175
	DI Moving Pieces	p. 96
	The Gift of Clarity: Investing and Portfolio Management	p. 107
	Stocks and Bonds	p. 109
	Market Valuation Analysis	p. 117
	All Things Considered Equal?	p. 111
	The Gift of Preparation: Tax Planning	p. 147
	Mutual Funds	p. 112
	Economic Analysis	p. 115
	Passive versus Active	p. 119
	The Gift of Transparency: Annuities	p. 131
	The Gift of Learning: Education Planning	p. 159
	Technical Market Analysis	p. 118
	Efficient or Not?	p. 119
	Investing with ôStyleö	p. 121
	The Ultimate Gift: Estate Planning	p. 197
	The Gift of Discretion: Choosing a Financial Advisor	p. 217
	The Gift of Action: Your Plan for Money and Life	p. 233

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