PART 1: PLANNING FOR LIFE - TimMaurer.com · 2016. 7. 28. · of your death. What will you do in the time you have remaining to live? Will you change your life, and how will you do

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SIMPLEMONEYJOURNALPART1:PLANNINGFORLIFE

Personalfinanceismorepersonalthanitisfinance.

CHAPTER1:ENOUGHRedeemingWealth

DefiningTrueWealth(CourtesyofMoneyQuotient)

1.Howdoyoudefinesuccessinyourworkinglife?_________________________________________________________________________________________________________________________

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2.Howdoyoudefinesuccessinyourfamily(orhome)life?_________________________________________________________________________________________________________________________

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3.Howdoyoudefinesuccessinyourfinanciallife?_________________________________________________________________________________________________________________________

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4.Whatdoyouneedtobecontent?_________________________________________________________________________________________________________________________

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5.Howdoyouhopetoberememberedsomeday?_________________________________________________________________________________________________________________________

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Top10MoneyScripts(CourtesyofKahler/Klontz)

Herearethetop10MoneyScripts:

• “Moneyisgood.”

• “Moneyisbad.”

• “Idon’tdeservemoney.”

• “Ideservetospendmoney.”

• “Therewillneverbeenoughmoney.”

• “Therewillalwaysbeenoughmoney.”

• “Moneyisunimportant.”

• “Moneywillgivemylifemeaning.”

• “It’snotnice(ornecessary)totalkaboutmoney.”

• “IfI’mgood,theuniversewillsupplyallmymaterialneeds.”

DoyourecognizeanyofyourMoneyScriptsinthislist?_________________________________________________________________________________________________________________________

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RewritingMoneyScripts1. IstheMoneyScripttrue?

2. Canyouabsolutelyknowitistrue?

3. WhathappenswhenyoubelievetheMoneyScript?(Whoareyouwhenyouthinkthat?Howdoyou

react?)

4. WhatorwhowouldyoubewithouttheMoneyScript?

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Now,rewriteyourMoneyScripts:MoneyScript#1:____________________________________________________________________________

Rewritten:____________________________________________________________________________________

MoneyScript#2:____________________________________________________________________________

Rewritten:____________________________________________________________________________________

MoneyScript#3:____________________________________________________________________________

Rewritten:____________________________________________________________________________________

MoneyScript#4:____________________________________________________________________________

Rewritten:____________________________________________________________________________________

MoneyScript#5:____________________________________________________________________________

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MoneyScript#6:____________________________________________________________________________

Rewritten:____________________________________________________________________________________

MoneyScript#7:____________________________________________________________________________

Rewritten:____________________________________________________________________________________

WhatINSIGHTSandACTIONSdidyoutakefromChapter1?

INSIGHTS ACTIONS

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CHAPTER2:VALUESThreeQuestionstoGuideYou

WheelofLife(CourtesyofMoneyQuotient)

TheWheelofLifeinstructionsare,dareIsay,simple.Yourateyoursatisfactionofeachareaoflifebetween0and10.Zeroistheworst,representedasthecenterofthewheel,and10isthebest,attheendofeachspoke.Afteryouplotyoursatisfactionforeachfacetoflife,thenconnectthedotstobeholdthesizeandshapeofyourwheel.Goahead,giveitatry!

Now,whatreflectionsdoyouhavefromcompletingtheWheelofLife?_________________________________________________________________________________________________________________________

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Kinder’sThreeQuestions(CourtesyofTheKinderInstituteofLifePlanning)

QuestionOne:Iwantyoutoimaginethatyouarefinanciallysecure,thatyouhaveenoughmoneytotakecareofyourneeds,nowandinthefuture.Thequestionis,howwouldyouliveyourlife?Whatwouldyoudowiththemoney?Wouldyouchangeanything?Letyourselfgo.Don’tholdbackyourdreams.Describealifethatiscomplete,thatisrichlyyours._________________________________________________________________________________________________________________________

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QuestionTwo:Thistime,youvisityourdoctorwhotellsyouthatyouhavefivetotenyearslefttolive.Thegoodpartisthatyouwon’teverfeelsick.Thebadnewsisthatyouwillhavenonoticeofthemomentofyourdeath.Whatwillyoudointhetimeyouhaveremainingtolive?Willyouchangeyourlife,andhowwillyoudoit?_________________________________________________________________________________________________________________________

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QuestionThree:Thistime,yourdoctorshocksyouwiththenewsthatyouhaveonlyonedaylefttolive.Noticewhatfeelingsariseasyouconfrontyourveryrealmortality.Askyourself:Whatdreamswillbeleftunfulfilled?WhatdoIwishIhadfinishedorhadbeen?WhatdoIwishIhaddone?WhatdidImiss?

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YourLife’sPriorities

AsyouconsideryouranswerstoKinder’squestionsandrevisityourWheelofLife,whatcomesthroughasthatwhichyoumostvalue—yourlife’spriorities?Pleaseconsiderthatifyouhavetoomany,thennothingisapriority.Ichallengeyoutokeepthenumberofprioritiessmall—nomorethanseven,maybefewer.Iflistsdon’tsuityou,that’sentirelyfine.Writeastatement,sentenceorparagraphtoexpresswhatismostimportanttoyou.Andifyou,likeme,areaparticularlyvisualperson,Iencourageyoutocreateacollageofpicturesordrawingsrepresentingyourprimarymotivators.(Here’sagreatexamplefromauthorandearlyTwitterhire,ClaireDiaz-Ortiz.Keepitinyourhomeorofficeasavibrantreminder.)

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WhatINSIGHTSandACTIONSdidyoutakefromChapter2?

INSIGHTS ACTIONS

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CHAPTER3:RIDINGTHEELEPHANTUnconventionalGoalSetting

UnconventionalGoalSetting

Ensurethatgoalsare…1. Self-selected,yours,notsomeoneelse’s2. Authentic,consistentwithyourpersonalgiftingandattributes3. Others-oriented,acausethatisbiggerthanyoualone

Now,you’rereadyto…4. Articulateyourgoals,withasmuchspecificityaspossible5. Testthemforattainability6. Confirmthattheactionsrequireddon’tconflictwithvaluesorpriorities7. Schedulenextactionsand/orestablishhabits

WriteoutaFullyArticulatedGoal(orTwo)

GoalConstructionExercise Goal:____________________________________________________________________________________________________________________________________________________________________________________

Criteria:Howisitself-selected?________________________________________________________________________________________________________________________________________________________________Authenticallymine?__________________________________________________________________________________________________________________________________________________________________Others-oriented?______________________________________________________________________________________________________________________________________________________________________

Whatactionsneedtobetaken?_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________Whatisthenextaction?_______________________________________________________________Datecompleted:____________________

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WhatINSIGHTSandACTIONSdidyoutakefromChapter3?

INSIGHTS ACTIONS

GoalConstructionExercise Goal:____________________________________________________________________________________________________________________________________________________________________________________

Criteria:Howisitself-selected?________________________________________________________________________________________________________________________________________________________________Authenticallymine?__________________________________________________________________________________________________________________________________________________________________Others-oriented?______________________________________________________________________________________________________________________________________________________________________

Whatactionsneedtobetaken?_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________Whatisthenextaction?_______________________________________________________________Datecompleted:____________________

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CHAPTER4:CALLINGFindingLife-GivingWork

Life-Takingvs.Life-GivingMymentorrecommendedaverysimpleexercisethatIstillusetothisday.Onablanksheetofpaper,hedrewalinedownthemiddle.Atthetopoftheleft-handcolumn,hewrotethephrase“Life-Taking.”Ontherightcolumn,hewrote“Life-Giving.”ThenhehadmepickasideonwhichtowritedowneachofthenumerousrolesandobligationsIhadassumedwereallsomehowpartofmycalling.ThatIwascapableoffulfillinganyoftheseroleswasbesidethepoint.Instead,iftherewasanythingI’dsaidyestothatseemedtoslowtheclockandsapmyenergy,itshouldlikelybeplacedinthe“Life-Taking”column.Thoseitemswereprobablynotpartofmycalling,andshouldbethefirstonthechoppingblockwhenitcametoseekingoutamorelivablelife.

WhatINSIGHTSandACTIONSdidyoutakefromChapter4?

INSIGHTS ACTIONS

LIFE TAKING LIFE GIVING

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CHAPTER5:TIMEInvestingYourMostPreciousCommodity

AVisualSystemforInvestingYourTimeWisely

WhatINSIGHTSandACTIONSdidyoutakefromChapter5?

INSIGHTS ACTIONS

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PART2:PLANNINGFORTODAYThemostimportantelementsofpersonalfinanceare,thankfully,thesimplest—

butthey’renoteasy.

CHAPTER6:PERSPECTIVEWhereDoYouStand?Inordertoknowwhereyoustand,weworktowardagaugeofyourlevelofcontentment,theEnoughIndex.Webeginbygettingahandleonhowmuchyouhaveinemergencyreserves.

ThechancesaregoodthatifyourSavingsIndexislow,you’realsosufferingwithtoomuchinRUCdebt—revolving,unsecuredconsumerdebt:

TheRetirementIndexisalittletrickierthantheSavingsandDebtIndices.Gettingtoyournumberisathree-stepprocess:Step1:DetermineYourRetirementMultiple(YRM)Step2:OnceyouhaveyourYRM,youcandetermineyourRetirementReadinessScore.Here’swhatIdrewinmyjournaltoshowyouhowthesetwostepsworktogether:

Howmanymonths’worthoflivingexpensesdoyouhaveinemergencyreserves?_____

Pleasemultiplytheabovenumberby8:x8

YOURSAVINGSINDEX: _____

Howmanymonths’worthoflivingexpensesdoyouhavetiedupinRUCdebt?_____Pleasemultiplytheabovenumberby10:x10YOURDEBTINDEX: _____

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Ofcourse,you’llneedFidelity’sretirementsavingschartinordertodeterminewhatFidelity’sTargetMultipleisforapersonyourage.Again,directlyfrommyJournal:

Now,you’rereadytocalculateyourRetirementIndex:

Thereisaconnectionbetweenhowmuchwewillinglygivetothoseinneedandourowncontentment,hencetheGivingIndex:

Now,it’stimetoputallofthesepiecestogetherandseewhereyoulandontheEnoughIndex…

WhatisyourRetirementReadinessScore?_____Pleasemultiplyyourscoreby56:x56YOURRETIREMENTINDEX:_____

Whatpercentageofyourincomedoyougiveonanannualbasis? _____Pleasemultiplythisnumberby2: x2YOURGIVINGINDEX: _____

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EnoughIndex

SavingsIndex: SubtractyourDebtIndex: AddyourRetirementIndex: AddyourGivingIndex: YOURENOUGHINDEX:

DoesyourEnoughIndexscoreaccuratelyreflectyourfeelings?DoyoufeellikeyouhaveEnough?_________________________________________________________________________________________________________________________

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WhatINSIGHTSandACTIONSdidyoutakefromChapter6?

INSIGHTS ACTIONS

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CHAPTER7:ESSENTIALSStraightTalkonSavingsandDebt

TheCashFlowPersonalityContinuum?

Areyoupleasedwithwhereyouputyourselfonthecontinuum?Ifyou’reinarelationshiporaparent,wheredoyouputyourspouseorlovedones?_________________________________________________________________________________________________________________________

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WhatINSIGHTSandACTIONSdidyoutakefromChapter7?

INSIGHTS ACTIONS

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CHAPTER8:FINANCIALSTATEMENTSIntroducingYourNewCFO

Life-GivingBudgetingHere’sanexampleofabudgetingsystemfromSimpleMoney:

ThinkaboutthissystemandthetoolsmentionedinSimpleMoney(likeYNAB.comandMint.com).

ConsiderthemethodIputintoplace,settingasidetimeeachSaturdaymorningwithsomestrongcoffee

andgreatmusictoreviewthehouseholdfinances.I’mnotsuggestingyouduplicatemyroutine—but

whatwouldalife-givingbudgetingexerciselooklikeforyou?Makesurethatit’sself-selected(your

initiative,notsomeoneelse’s),authentic(consistentwithyourpersonalgifting)andothers-oriented(a

causebiggerthanyoualone)inordertoincreasethesuccessofyournewsystem:

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INCOME*6% 401(k)*

94%

Checking10%Giving6% Roth IRA

3%Savings

Fixed Expenses

Discretionary Expenses

MortgageSchool LoanAuto LoanRUC Debt

GymLife Insurance

Disability InsuranceAuto Insurance

TuitionKids' Allowance

HisHersOurs

Predictable Expenses

75%

GroceriesUtilities

LandscapingClothing

GiftsFuel

Auto RepairHome

VacationHolidaysMedical

*Most 401(k) contributions will be "pre-tax," but most other expenses will come out of after-tax earnings and may or may not be subject to tax deductibility.

Most of your household budget is

automate-able

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ForRicherorForPoorerIfyou’remarried—orheadedinthatdirection—howwelldoyouunderstandyourspouse’sfinancialpast

andtheimpactthatithasonthepresent?Howaboutyourownpast?

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WhatINSIGHTSandACTIONSdidyoutakefromChapter8?

INSIGHTS ACTIONS

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PART3:PLANNINGFORTHEINEVITABLEPlanningforthefutureismadesimplerbybringingitintothepresent.

CHAPTER9:INVESTINGASimplePortfolioThat’sBeatenthePros

TherearenoSimpleMoneyJournalentriesforChapter9,perse,butthere’satonofactionablematerial

andsomeadditionalonlineresourcesforyou:

• AwebpagedevotedtotheSimpleMoneyPortfolio:www.SimpleMoneyPortfolio.com

• Forthosewhowanttotakeitastepfurther,customizingtheSimpleMoneyPortfolio,apassword

protected(thelastheaderintheinvestmentchapter—hint:amovie)webpagetowalkyou

throughthatprocess:www.SimpleMoneyPortfolio.com/customize

WhatINSIGHTSandACTIONSdidyoutakefromChapter9?

INSIGHTS ACTIONS

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CHAPTER10:EDUCATIONGettingSchooled

TheNonconformist’sFour-StepEducationSavingsPlan

Step#1:Determineifyouarefinanciallyable.Beforeyoutellyourkids(orgrandkids)whatyou’rewillingtohelppayforcollege,it’simportanttobe

honestwithyourself.Canyouaffordtohelp?

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Step#2:Determinewhetherornotyouwillchoosetopay.Thisisthemissingstepforalotofbenefactorswhofeelthey’vebeenbulliedbythefinancialindustryintofootingthebillfortheirkids’college.Payingforcollegecanbeagreatdecision—butit’sstillyourdecision.Doyouchoosetohelp?_________________________________________________________________________________________________________________________

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Step#3:DevelopaFamilyEducationPolicy.AFamilyEducationPolicyisthecleararticulationoftheanswertoaquestionmostparentswillhearfromtheirchildren:“So,howmuchwillyoupayformycollegeeducation?”What’syourPolicy?_________________________________________________________________________________________________________________________

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Step#4:Developacollegesavingsplan.Howmuchareyougoingtosave,andwhereareyougoingtosaveit?_________________________________________________________________________________________________________________________

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WhatINSIGHTSandACTIONSdidyoutakefromChapter10?

INSIGHTS ACTIONS

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CHAPTER11:RETIREMENTTheWobblyThree-LeggedStool

TheWobblyThree-LeggedStoolofRetirement

What’sthestateofyourthree-leggedstool?Areyouoneofthedecreasingnumberoffutureretireeswith

allthreelegsofthestool,orareyoudealingwithstilts—orapogostick?

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WhatINSIGHTSandACTIONSdidyoutakefromChapter11?

INSIGHTS ACTIONS

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CHAPTER12:FINANCIALINDEPENDENCETheNewRetirement

PreparingforRetirementDespiteitsseeminglyutopianpromise,retirementisoneofthemorestressfuleventsanindividualor

householdwillendure—financiallyandpersonally.Therefore,it’shighlyrecommendyouproceedwith

deliberateconsiderationandplanning.Considerthefollowingexercise:

1. Thinkaboutit.Consideringthemagnitudeoftheretirementdecision,isn’titinterestingthatit’s

usuallytheElephantdrivingthisdecision—nottheRider(chapter3)?ThisphaseofretirementplanningisintendedtogettheElephantandRiderworkingtogetheronthisbigproject.Togetthejuicesflowing,CarolAndersonofMoneyQuotientsuggestsansweringthefollowing“yes”or“no”questions:• I’mcountingthedaysuntilIcanretire.• Iexpectmyretirementtobeverydifferentfromwhatmyparentsexperienced.• Idon’twanttoretire“coldturkey.”• IworryaboutnothavingenoughmoneywhenIretire.• IwonderwhatIamgoingtodowithmytimewhenIretire.• IworrythatSocialSecuritywillnotbeavailablewhenIretire.• Ihaven’tthoughtmuchaboutwhatIwanttodowhenIretire.• IlikebeingproductiveandwouldliketocontinueworkingafterIretire.• I’mworriedthatmyhealthwillfailwhenIretire.• IhaveaclearvisionofhowIwillinvestmytimeandenergywhenIretire.

2. Planforit.Nowlet’sstartmovingintotherealmofthepractical.Whatwouldlifeactuallylooklikeinretirement?Notthefirstweek,butthethirty-first.What’sthetypicalweekinretirementforyou?Writeoutyouridealweekaswell.SundaythroughSaturday,whatwouldyoubedoingmorning,afternoon,andnight?

3. Practiceit.Now,putyourplanningtothetest.Takeaweekofvacation(ortwoifyoucanmanageit),andliveoutyourtypical,idealweekinretirement.Kickthetires.

WhatINSIGHTSandACTIONSdidyoutakefromChapter12?

INSIGHTS ACTIONS

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CHAPTER13:ESTATEANDLEGACYCheatingDeath

LegacyAnestateisthestuffweleavebehindwhenwe’regone.Alegacymightincludetangiblebelongings,but

it’salsotheintangiblecollectiveimpactwehaveontheworldaroundus.Considerthefollowingthree

questions,whichresonatewiththoseaskedinchapter2:

1.Iftodaywasmylastday,whatwouldmylegacybe?_________________________________________________________________________________________________________________________

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2.HowwouldIlikeittobedifferent?_________________________________________________________________________________________________________________________

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3.Howwouldmygoals(Chapter3)changeifIviewedthemaslegacy-buildingopportunities?_________________________________________________________________________________________________________________________

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WhatINSIGHTSandACTIONSdidyoutakefromChapter13?

INSIGHTS ACTIONS

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PART4:PLANNINGFORTHEUNEXPECTEDAvoid,reduceandassumetheriskyoucanhandle,andtransfertheriskthatyou

can’t—withinsurance.

CHAPTER14:INSURANCEWARNING!It’shardtoknowwhenweshouldbeusinginsurancewithoutunderstandinghowitworks:

TheSimpleMoneyRiskManagementGuide 1. Eliminaterisksthatofferlittlereward.2. Reducerisksbyemployingcommonsense.3. Assumerisksthatyoucanendure.4. Insurecatastrophicrisks.

WhatINSIGHTSandACTIONSdidyoutakefromChapter14?

INSIGHTS ACTIONS

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CHAPTER15:LIFE(INSURANCE)HarderThanItNeedstoBe

LifeInsuranceNeedsandWants

Needs Wants1.Paymentoffinalexpenses

2.Repaymentofdebtsandmortgages

3.Pre-fundingexpectededucationalexpenses

4.Fundingreplacementofhouseholdduties

5.Replacementoflostincome

1.Pre-insuringfutureneeds

2.Creatinganestate

3.Fundingcharitablebequests

4.Replacinganestatelosttotaxes

5.Buildingcashvalue

TheSimpleMoneyLifeInsuranceGuide Forincomeearners,multiplyyourincomeby15.Thenpurchaseatermlifepolicyforasmanyyearsasyoucan

conservativelyexpecttoneedtheincome.

IncomeX15=LifeInsuranceNeed

Forastay-at-homespouse,purchaseapolicywithadeathbenefitofbetween$250,000(ifchildrenareolder)and$500,000(ifchildrenareyounger).

WhatINSIGHTSandACTIONSdidyoutakefromChapter15?

INSIGHTS ACTIONS

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CHAPTER16:DISABILITYINCOME(INSURANCE)ProtectingYourBiggestAsset

TheSimpleMoneyLTDiGuide 1. Analyzeyourgroupplan,specificallytheany/ownoccupationdefinitionsandthebenefit

taxability.

2. Lobbyyourhumanresourcesdepartmenttosuggestthebenefitsofenhancingthoseprovisions.

3. Retainasupplemental,privateLTDpolicythroughareputablecarrierwiththefollowingprovisionsand/orriders:

a. Basebenefituptoatleast60percentofafter-taxincome.Higher,ifavailable.

b. Benefitperiodtoage65wouldbegreat,butatleastfiveyears.

c. Residualbenefit,toensureyoucangetapartialbenefitifyouworkpart-time.

d. Eliminationperiodof90days,oreven120daysifyoucanaffordit.

e. COLAsothatyourbenefitwillriseannuallyinthecaseofanextendeddisability.

f. Futureinsurabilityoptionsothatyoucanincreaseyourbasebenefitwithrisingincome(ifthisisn’tincludedinthepolicy).

g. Renewabilityprovisiontoensureyou’llcontinuetobeinsured.Non-cancellable/guaranteed-renewableisideal.

h. SocialSecurityoffsetmaycomplicateclaims,butitwillhelpsaveonpremiums.

i. Disabilitydefinitionsmightbethemostimportantfeature.“Any-occupation”istooweak,butpure“own-occupation”canbecostprohibitive.Consider“modifiedown-occupation,”“incomereplacement”ortheequivalent.

WhatINSIGHTSandACTIONSdidyoutakefromChapter16?

INSIGHTS ACTIONS

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CHAPTER17:LONG-TERMCARE(INSURANCE)WhenI’mSixty-Four

TheSimpleMoneyLTCiGuide1. Behonestwithyourself.Whenconsideringyourage,health,lineage,retirement

income,assetsandtoleranceforriskintheirentirety,istransferringalloraportionofyourlong-termcareriskthroughinsuranceawisemove?(Thedefaultansweris“probably.”)

2. Getaquoteforlong-termcareinsurancebasedonthefollowingpolicytemplate:

a. Dailybenefitof$100

b. Benefitperiodoffiveyears

c. Home-carebenefitof100%

d. Eliminationperiodof90days

e. COLAridertiedtoinflation(CPI)ifavailable

f. Maritaldiscountifappropriate

3.Adjustthepolicytoreflectyourpersonalriskcharacteristics.

WhatINSIGHTSandACTIONSdidyoutakefromChapter17?

INSIGHTS ACTIONS

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CHAPTER18:HOMEANDAUTO(INSURANCE)Don’tOverpaytoBeUnderinsured

TheSimpleMoneyHomeandAutoGuide*

WhatINSIGHTSandACTIONSdidyoutakefromChapter18?

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PART5:PLANNINGFORACTIONThebestplanintheworldisworthlessuntilitisputintoaction.

CHAPTER19:THETOP10YourNextDollar’sHome

TheSimpleMoneyTop10Onceyou’vespentthemoneynecessarytocoveryourfixedandvariablelivingexpenses,considerspendingyouradditionaldollarsinthisorder:

1. Create(orupdate)yourestateplanningdocuments.

2. Ensurethatyourinsuranceneedsaremet.

3. Payoffanyhigh-interestconsumerdebt.

4. Buildatleastonemonth’sworthoflivingexpensesinemergencysavings.

5. Earnfreemoneybytakingadvantageofyourcompany’s401(k)match.

6. Contributetoa529planforeducationsavings.

7. ContributethemaximumpossibletoyourRothIRA(s)ifyourincomelevelallowsyou.

8. Returntostrengthenyouremergencyreserves.

9. Comebacktoyour401(k)andmaxitout.

10. Setasideexcesssavingsinaliquid,taxableinvestmentaccountformidtermneedsandprojects.

WhatINSIGHTSandACTIONSdidyoutakefromChapter19?

INSIGHTS ACTIONS

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CHAPTER20:BEHAVIORMANAGEMENTWorkingwithanAdvisor

MinimumRequirementsforanAdvisorWhenyouhireafinancialadvisor,you’retheboss.SoIrecommendapplyingtheseminimumrequirementsinyoursearch:

Youradvisorshouldbeanexperiencedfiduciarywhoprovidesevidenceofexpertiseinafieldinwhichtheyareeducatedandcredentialed.Youdeservebetterthantheminimumrequirements,though.Readfurtherinthelastsectionofthechapter,beginningwith“IHope…”inSimpleMoney.

WhatINSIGHTSandACTIONSdidyoutakefromChapter20?

INSIGHTS ACTIONS

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CHAPTER21:SIMPLICITYTheOne-PageFinancialPlan

One-PageFinancialPlanAfterreviewingyourSimpleMoneyJournal,createaOne-PageFinancialPlancompilingthefollowing:

Priorities:

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Goals:

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NextActions:

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