One Step to
A financial plan is the best tool to gain financial control, reduce or eliminate the stress caused by money, and set the wheels in motion for a steadily improving lifestyle.
A financial plan can be many things – but it shouldn’t be hard to create – and good help is available.
absolutely critical aspect of any financial plan is the ultimate goal –
and determining and setting your retirement/financial goals is a deeply
personal, and wonderfully inspiring exercise.
Quite literally, if this is done everything else with respect to money
management – on which there are libraries full of information – will seem
easy and effortless; in fact, one may even say, “it will simply happen.”
Chapter 1 –
Getting Rich in
Three Two One Step s
have to set specific goals. You
have to. Every book on financial
planning talks about it…for a page or so, and then assumes you have it.
We don’t have it. And that is why we fail.
Chapter 2 –
Why we don’t do the one thing that matters.
you are a “believer” you could skip this chapter. Otherwise, find the reason or reasons in here that have
stopped you from setting financial goals in the past, and read about yourself.
Facing the hurdles may help you overcome them.
Chapter 3 -
Creating your retirement vision.
not just a number. It’s a life.
Yours. Don’t let someone
else try to sell you theirs. And don’t play defense – life isn’t about making it
safely to death. Learn the art of
going for it.
Chapter 4 –
Doing the math – the art of believing.
you would expect to find in a book on financial planning is a lot of charts,
graphs and numbers. You won't find
them here – not even in this chapter. What
you will find is a better understanding of what you are trying to accomplish
when you (or a trusted advisor) put your plan into numbers.
You are trying to prove your dreams are achievable (which of
course they are), and you are drawing plans to construct them.
The two most important items from this exercise will be a heightened
belief in your dream, and an exact description of the next step.
Chapter 5 –
What is a financial plan?
we define a financial plan in terms of pages etc, what we do is create a
specific tool that may or may not serve its ultimate purpose.
Instead, let’s define what a financial plan should do for
you – and why. A financial plan
may be a100 page report, or it may be a couple of scribbles on the back of a
napkin. So long as it achieves
it’s ultimate purpose – helping you get what you want.
Chapter 6 –
Finding a financial advisor.
subject – hard not to be self-serving here.
But it is a minefield out there – and people do need help finding a
good advisor. Most advisors don’t
buy into the ideas here – this chapter will explain why, and help you to find
someone who does. But beware
– many advisors have read this book.
Chapter 7 –
Living the life you were meant to live.
case by now the reader has found himself or herself trapped in the “how to”
aspects of this book, this chapter will serve to remind us of a few important
isn’t what life is about.
you deserve all you need, to live the life you want to live. We
shouldn’t squeeze our lives into a budget.
We should live our lives and let the money flow in.
should be wonderful. Now, tomorrow,
next week, and when you retire.
Chapter 8 –
The rules of the game
is partly math (left brain) and partly emotional (right brain). Most people
believe that it is the left brain aspects that create wealth – so they buy
books that analyze mutual funds and describe complicated tax strategies.
Most people are wrong. Here
are the rules of this game called money. The
first is this – keep it simple.
Chapter 9 –
what you should do, point by point – starting now. A plan if you will, on how to create a financial plan, and in
doing so, create a better way of life.