| | How to Enter The Classroom | p. xv |
| | The New American Dream | p. 3 |
| | Making Change | |
| | The Dreams of Tomorrow Reside in Today's Choices | |
| | The Money Class Curriculum | |
| | Stand In Your Truth | p. 11 |
| | Finding Your Truth: A Personal Financial Accounting | p. 13 |
| | Living Truthfully: How To Stand Tall In Your Reality | p. 15 |
| | Focus on What Is Real Today... and What You Will Need Tomorrow | |
| | Live Below Your Means but Within Your Needs | |
| | The Pleasure of Saving Is Equal to the Pleasure of Spending | |
| | Define Yourself by Who You Are, Not What You Have | |
| | The Foundation Of All Truthful Living: The Power Of Cash | p. 21 |
| | Debit Card Rules | |
| | The "Life Happens" Fund | |
| | Credit Unions: A Great Place to Save | |
| | Safety First with Your Savings | |
| | Saving for Big-Ticket Items | |
| | The Truth Will Indeed Set You Free | |
| | Family | p. 28 |
| | How to Build Honest Family Relations | p. 31 |
| | Opening the Lines of Communication | |
| | How To Raise Young Children To Stand In The Truth | p. 34 |
| | Your Priceless Legacy | |
| | Set the Right Tone | |
| | Imparting Good Values When It Comes to Money | |
| | Money Lessons for Children | |
| | Money Lessons for Tweens and Teens | |
| | Money Lessons for Teenagers Heading to College | |
| | How to Handle Money Gifts and Savings | |
| | The Three-Option Approach | |
| | How To Create a Financially Honest College Strategy | p. 48 |
| | Who Should Save for College | |
| | The Best Way to Save for College: 529 Plans | |
| | UGMA/UTMA | |
| | Coverdell Accounts | |
| | How to Invest Your 529 Plan | |
| | The College Talk Every Parent Must Have with a High School Freshman | |
| | Borrowing Rules for College Loans | |
| | The Risks of Private Loans for College | |
| | Stafford Loans | |
| | PLUS Loans | |
| | How to Choose the Right School | |
| | How To Help Adult Children Facing Financial Challenges | p. 64 |
| | How to Handle Student Loans That Are in Default | |
| | How and When to Help Independent Children Who Are in Financial Trouble | |
| | The Conversation Every Adult Child Should Have With His Or Her Parents | p. 69 |
| | Building Family Financial Security Under One Roof | |
| | Updating Legal Documents | |
| | When a Parent Remarries | |
| | Advice For Grandparents: How to Build a Lasting Legacy | p. 73 |
| | Follow the Parents' Lead | |
| | Pay It Forward | |
| | Give Experiences, Not Things | |
| | Home | p. 77 |
| | The Truth About Home Values | p. 81 |
| | A Decade of Extremes | |
| | A Home Is a Savings Account, Not a Hot Stock | |
| | Financing Is Cheap, but Not Easy | |
| | When It Makes Sense To Rent | p. 84 |
| | The Math of Rent vs. Buy | |
| | Advice for Owners Who Now Want to Rent | |
| | The New Rules Of Buying a Home | p. 87 |
| | Set a Budget That Satisfies Your Needs | |
| | Know Your Income Limits | |
| | Aim to Make a 20% Down Payment | |
| | A Special Note About FHA-Insured Loans | |
| | Special Rules for Buying Condos and Co-ops | |
| | Where to Come Up with the Down Payment | |
| | Opt for a 30-Year Fixed-Rate Mortgage | |
| | Understand the Risk of Distressed Property | |
| | What To Do If You Are Underwater | p. 98 |
| | If You Are Underwater and Cannot Afford Your Mortgage | |
| | Loan Modificaiton | |
| | Short Sale | |
| | Foreclosure | |
| | If You Are Underwater but You Can Afford the Mortgage | |
| | How To Reduce Mortgage Costs | p. 110 |
| | When It Makes Sense to Pay Off a Loan Ahead of Schedule | |
| | The New Realities of Refinancing | |
| | Refinancing Rules | |
| | Lower Your Mortgage Costs Without a Refinance | |
| | The Dangers Of Home Equity Lines Of Credit | p. 114 |
| | The Dangers of Rising Interest Rates and Falling Behind on Payments | |
| | Home Equity Loans | |
| | Reverse Mortgages | p. 116 |
| | Reverse Mortgage Basics | |
| | Investing In Real Estate | p. 119 |
| | What You Need to Know Before You Buy Investment Property | |
| | What to Do with an Investment Property That Is Underwater | |
| | Career | p. 122 |
| | Advice For The Employed | p. 125 |
| | Build Your Plan-for-the-Worst Fund | |
| | Live Below Today's Means | |
| | Grab Your Full Retirement Bonus | |
| | Make Your Case for a Raise and Promotion Through Your Work | |
| | How to Ask for a Raise | |
| | Change Your Attitude Before You Change Your Job | |
| | Advice For The Unemployed | p. 133 |
| | Cut Your Spending Immediately | |
| | Do Not Dip into Your Retirement Savings | |
| | Make Sure Your Credit Profile Remains Strong | |
| | Do Not Go Back to School to Avoid a Hard Job Market | |
| | Get to Work as Fast as Possible, Rather Than Holding Out for a Better Offer | |
| | How to Deal with a Steep Pay Cut | |
| | A Special Note for Stay-at-Home Moms | |
| | Starting (And Running) Your Own Business | p. 139 |
| | Launching a Business: Can You Afford It? | |
| | Where to Get the Money to Start Your Business | |
| | A Few Words About Micro Lending | |
| | Running Your Own Business | |
| | When to Expand | |
| | When to Close | |
| | Standing in Your Truth in Business | |
| | Closing Down a Business Responsibly | |
| | A Note About the Retirement Classes | p. 153 |
| | The Money Navigator: A Special Offer for Readers of The Money Class | p. 154 |
| | Retirement Planning: Getting Going In Your 20S And 30S | p. 155 |
| | Time Is Your Greatest Asset | p. 159 |
| | Getting Started Early | |
| | With Lower Returns, Savings Are More Important Than Ever | |
| | Retirement Accounts Explained | p. 161 |
| | Retirement Plans Offered by Employers | |
| | Retirement Plan Withdrawal Rules | |
| | Non-Workplace Retirement Accounts | |
| | Nondeductible IRAs | |
| | Roth IRAs | |
| | Retirement Plans for the Self-Employed | |
| | How Much You Need To Save For Retirement | p. 166 |
| | The Retirement Formula | |
| | The Best 401(k) and IRA Strategy | |
| | A Word on Vesting | |
| | Where to Open an IRA Account | |
| | Investing Your Retirement Money | p. 173 |
| | The Ups and Downs of the Stock Market | |
| | Dollar Cost Averaging | |
| | How Much to Invest in Stocks | |
| | Choosing the Best Options Within Your 401(k) | |
| | How to Build the Best 401(k) Investment Portfolio | |
| | Exchange Traded Funds | |
| | Bond Investments | |
| | Retirement Planning Mistakes to Avoid | |
| | What to Do with Your 401(k) When You Leave a Job | |
| | Retirement Planning: Fine-Tuning It In Your 40S And 50S | p. 190 |
| | Deciding When It Makes Sense To Pay Off Your Mortgage | p. 194 |
| | Questions to Ask Yourself | |
| | The Benefits of Paying Off Your Mortgage | |
| | How to Pay Off Your Mortgage Ahead of Schedule | |
| | Have A Realistic Plan For Working Until Age 66-67 | p. 203 |
| | Your Work-Longer Game Plan | |
| | Delay Your Social Security Benefit | p. 207 |
| | Social Security Basics | |
| | Social Security Strategies | |
| | Estimate Your Retirement Income: How Are You Doing? | p. 214 |
| | Social Security Benefits | |
| | Retirement Accounts | |
| | Pensions | |
| | Lump Sum vs. Annuity | |
| | Saving More, And Investing Strategies In Your 50S | p. 223 |
| | How to Invest Smart | |
| | Making the Most of What You Have | |
| | Best Investments Outside Your 401(k) | |
| | Bond Investments | |
| | No Target Funds Allowed | |
| | Plan For Long-Term Care Costs | p. 234 |
| | When to Buy | |
| | Making the Financial Case for LTC Insurance | |
| | Health Insurance, Medicare, and Medicaid | |
| | LTC Basics | |
| | Living In Retirement | p. 248 |
| | Home Finances: Stand In The Truth Of What Is Affordable For You | p. 251 |
| | The Affordability Issue | |
| | Start the Discussion | |
| | Coping With The High Cost Of Healthcare In Retirement | p. 253 |
| | Rising Costs vs. Your Annual Retirement Income | |
| | Long-Term Care Premium Increases | |
| | Stick To a Sustainable Withdrawal Rate | p. 255 |
| | The Right Rate | |
| | How to Make Tax-Smart Withdrawals | |
| | Avoid Long-Term Bonds And Bond Funds | p. 259 |
| | What You Must Understand About Bonds | |
| | How to Build a Bond Ladder | |
| | Beyond Treasury Bonds: Municipal Bonds and Corporate Bonds | |
| | Earn Higher Yields by Investing In Dividend-Paying ETFS And Stocks | p. 264 |
| | The Case for Dividend-Paying ETFs and Stocks | |
| | Stock Dividend Basics | |
| | The Protection of a Stop-Loss Order | |
| | How Much to Invest | |
| | How to Choose a Dividend-Focused ETF | |
| | Tips for Owning Individual Dividend-Paying Stocks | |
| | Double-Check Your Beneficiaries And Must-Have Documents | p. 275 |
| | Life-Changing Events | |
| | The Ultimate Lesson | p. 277 |
| | Clearing My Own Roadblocks | |
| | The Road Ahead, Not the Rearview Mirror | |
| | The Legacy We Create | |