How Much Is Enough

Diane McCurdy 지음

Wiley 2013년 01월 11일 출간

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The numerical and emotional aspects of planning for retirementThis hands-on resource demystifies financial planning by giving the Enough number: an exact figure specific to personal goals, which can be a target number to aim for in retirement. It shows what changes will help to achieve the number, and offers an understanding of hidden motivations when it comes to spending money. It also provides an overview of the multitudes of investments available and provides conservative guidelines that will help make money, save taxes, and sleep at night.Offers a clear understanding of the different attitudes toward money and includes strategies to achieve goalsIncludes the tools needed to save for later and enjoy rewards todayContains a method for tracking money to help get your finances where you want them to beCovers the details of what it takes to work effectively with a financial advisorWritten by Diane McCurdy, a noted financial planner, speaker, author, and founder of McCurdy Financial PlanningThis hands-on guide walks you through a proven program that is designed to keep you on the right track to financial success.

목차

Preface to the Third Edition ixAcknowledgements xiiiIntroduction xviiPART ONE: WHAT IS ENOUGH?Chapter 1: Your Money and Your Life 3How Did You Score? 8Two Attitudes, One Family 15Money Myths 17Chapter 2: Where It Goes 21Tracking Your Cash Flow 22Chapter 3: What You Want 37What Do You Want, Anyway? 38Wish List Favourites 45Yearly Goals 49Chapter 4: What&'s Enough for You 55The Magic Number 55Crunching the Numbers 56What Your Enough Number Means 72PART TWO: GETTING ENOUGHChapter 5: Getting on Track 77Needs vs. Wants 78Budgeting&m-I&'ll Try to Be Gentle 81Chapter 6: Finding Financial Advice 95Finding a Good Financial Advisor 96Trust, Two Ways 98Your Risk Profi le 104Chapter 7: How to Make Your Money Grow 109Loaners 110Owners 115Owner Investments: The Basics 119Some Rules for Investing 134Chapter 8: Registered Plans 137Registered Retirement Savings Plans 138Registered Education Savings Plans (RESPs) 148Tax-Free Savings Accounts (TFSAs) 152Saving Outside the Government Plans 157Chapter 9: Ages and Stages 161Age 20&n-35 161Age 35&n-50 170Age 50&n-65 Plus 172Chapter 10: Family Finances 183Teaching Kids the Value of Money 183The Money Challenge 184Chapter 11: I&'ve Got Enough (Now What?) 193A Changing Concept of Retirement 194Retirement: The Financial Side 203Chapter 12: Estate Planning 227What Happens if I Don&'t Have a Will? 228Laying the Groundwork 231What Happens to My Business? 240How Do I Choose My Executor? 243How to Save Tax and Probate on Your Estate 244Chapter 13: Tips and Tho

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저자(글) Diane McCurdy

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Diane McCurdy, CFP, is the founder of McCurdy Financial Planning Inc., an established and respected firm that services clients from all walks of life. An active writer, educator, speaker and advisor, Diane is recognized internationally in her industry and in the media. She is also a real estate investor and a member of the Million Dollar Round Table.