Table of Contents
Contents
Acknowledgements 7
Dedication 9
Introduction 11
Chapter 1 – Budgeting...........................................................................................................17
Chapter 2 – Save 20%, Give 10%, Spend the rest...............................................21
Chapter 3 – Personal Development. Spend money and Invest in yourself.........................................................................................27
Chapter 4 – Part time work - Getting your side hustle on. ........................... 33
Chapter 5 – Getting out on your own. Providing for yourself. ................... 37
Chapter 6 – Student Loans - What you are getting yourself into?........... 41
Chapter 7 – Keep your expenses low when you are young. Ditch that payment plan! ...................................................... 47
Chapter 8 – Credit Score - What does this do? ..................................................... 51
Chapter 9 – Renting. Is renting really like throwing money out of your window? ................................................................. 55
Chapter 10 – Home Loans - How large of a mortgage you should get....59
Chapter 11 – Kids ........................................................................................................................ 67
Chapter 12 – Credit Cards - How to use them, and How not to use them. ............................................................................................ 71
Chapter 13 – Beware of the “latte effect.”.................................................................... 75
Chapter 14 – Leasing cars vs. buying cars..................................................................77
Chapter 15 – Weddings - Spend now or forever hold your peace............... 81
Chapter 16 – Vacations ............................................................................................................ 85
Chapter 17 – Compound Interest - The 8th Wonder of the World............89
Chapter 18 – Bank Accounts................................................................................................95
Chapter 19 – Employer Benefits........................................................................................99
Chapter 20 – Investment accounts. IRA, Roth IRA, 401k, 403b, SEP, SIMPLE IRA...................................................................... 107
Chapter 21 – Insurance ........................................................................................................ 113
Appendix 125
