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Foreword xi
A Parable: The Monk and the Minister xiii Beginnings How We Got Here 3 My Story: It Has Never Been About Retirement 5 Things Change; the Principles Remain 11 Important Note on Projections 15 Part I Orientation 1. Debt: The Unacceptable Burden 23 2. Why You Need F-You Money 33 3. Can Everyone Really Retire a Millionaire? 35 4. How to Think About Money 41 5. Investing in a Raging Bull (or Bear) Market 49 Part II How to Harness the World's Most Powerful Wealth-Building Tool 6. There's a Major Market Crash Coming!!!! And Even Famous Economists Can't Save You 59 7. The Market Always Goes Up 67 8. Why Most People Lose Money in the Market 75 9. The Big Ugly Event 81 10. Keeping It Simple: Considerations and Tools 87 11. Index Funds Are Really Just for Lazy People, Right? 93 12. Bonds 99 13. Portfolio Ideas to Build and Keep Your Wealth 107 14. Selecting Your Asset Allocation 113 15. International Funds 121 16. TRFs: The Simplest Path to Wealth of All 125 17. What If You Can't Buy VTSAX? Or Even Vanguard? 129 18. What Is It About Vanguard? 135 19. The 401(k), 403(b), TSP, IRA, and Roth Buckets 141 20. RMDs: The Ugly Surprise at the End of the Tax-Deferred Rainbow 155 21. HSAs: More Than Just a Way to Pay Your Medical Bills 161 22. A Couple of Case Studies 165 23. Why I Don't Like Investment Advisors 185 Part III Magic Beans 24. Jack Bogle and the Bashing of Index Funds 195 25. Why I Can't Pick Winning Stocks and You Can't Either 199 26. Why I Don't Like Dollar Cost Averaging 203 27. How to Be a Stock Market Guru and Get on CNBC 207 28. You, Too, Can Be Conned 211 Part IV What to Do When You Get There 29. Withdrawal Rates: How Much Can I Spend? 219 30. How Do I Pull My 4%? 227 31. Social Security: How Secure and When to Take It 237 32. How to Give like a Billionaire 245 Afterword 33. My Path for My Kid: The First Ten Years 253 34. Tales from the South Pacific 257 35. Some Final Thoughts on Risk 261 Tool Kit The Punch List 267 FAQ 269 Resources 283 Acknowledgments 285 |