One Step to Wealth  

Book outline


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.


The 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 Steps

You 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.

If 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.

It’s 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.

What 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?

If 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.

Tricky 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.

In 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 things.

1.      Money isn’t what life is about. 

2.      Nonetheless, 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.

3.      Life should be wonderful.  Now, tomorrow, next week, and when you retire. 


Chapter 8 – The rules of the game

Money 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 – Starting now.

Here’s 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.