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Table of Contents
Learning Center • financial tips • cash reserves • insurance • savings accounts • growth investments • taxes • retirement • estate planning  |
List of Tables
Acknowledgements
Introduction
Part I -- Getting Started
1 Rich or Poor, It’s Your Choice
2 The Basics: Numbers, Forms, and How to Start
3 The Seven Basic Steps in the Financial Planning Process
Part II -- The Four Keys to Building Wealth
4 Ownership: One Key to Riches
5 Inflation: Use It to Push Your Investments Faster
6 The Tax Laws: Use Them to Your Advantage
7 The Magic of Compound Interest: Time Is On Your Side
Part III -- The 10% Solution
8 Following All Seven Steps
9 When Will I Be Rich?
10 If You’re Over 50
11 Opportunities Unfold All Around You
12 Knowing’s Not Enough: You Have to Work Your Plan
13 When Things Go Wrong
Part IV -- A Closer Look at the Seven-Step Process
14 Cash Reserves and Insurance: Steps 1 and 2
15 Picking Your Investments: Steps 3 and 4
16 Using the Tax Laws: Step 5
17 You’re Rich!
18 Now You Can Retire: Step 6
19 What Your Heirs Need to Know: Step 7
20 Bringing It All Together
About the Author
List of Tables
2-1 Results of Investing at 12% until Age 65
2-2 Growth of Savings at Different Interest Rates
5-1 Effect of 4% Inflation on Wages and Fixed Payments
5-2 Figuring Capital Gain
5-3 Value of a CD versus Dividend-Paying Stocks
That Increase 4% a Year Due to Inflation
5-4 Current Bank Interest Less Taxes and Inflation
7-1 Interest Earned per Year on Savings of $100 per Month
7-2 Value of $10,000 CD at 5% Interest
7-3 Value of $100,000 CD at 5% Interest
7-4 Value of $100,000 CD at 9% Interest
8-1 Budget and Plan for Couple Earning $40,000
8-2 Budget and Plan for Couple Earning $70,000
8-3 Budget and Plan for Couple Earning $120,000
8-4 Traditional IRA and ROTH IRA Contribution
8-5 Basic Financial Plan
8-6 Income Allocation to Financial Plan
11-1 Cost of Refinancing
11-2 Cost of a $10,000 Auto Loan
14-1 Auto Insurance Cost Over a Lifetime
14-2 Premiums and Withdrawals for a Typical
Universal Life or Whole Life Policy
14-3 Estate and Gift Tax Exclusion
18-1 Tax Consequences of Using Investment Principal
and Interest
18-2 Minimum IRA Payout Starting at Age 70.5
18-3 Tax Status of Social Security Income Received
18-4 Earnings and Withdrawals from Bill and Pat’s
Retirement Investments
Peterson Money Books
Book: RICH By Choice, by Erlend Peterson, CFP
A Complete Guide to Your Financial Success
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