Foreword xv Introduction Let the Rebuilding Begin xxi Chapter One Our Finances Are Bigger than a Brokerage Account 1 Chapter Two We Can’t Have It All 11 Chapter Three Money Can Buy Happiness—If We Spend It Carefully 17 Chapter Four Even the Best Investors Need to Be Great Savers 25 Chapter Five Time Is as Valuable as Money 33 Chapter Six No Investment Is Risk-Free 41 Chapter Seven Portfolio Performance: It’s All in the Mix 51 Chapter Eight Stocks Are Worth Something 59 Chapter Nine To Add Wealth, We Need to Overcome the Subtractions 67 Chapter Ten Aiming for Average Is the Only Sure Way to Win 75 Chapter Eleven Wild Investments Can Tame Our Portfolios 93 Chapter Twelve Short-Term Results Matter to Long-Term Investors 105 Chapter Thirteen A Long Life Is a Big Risk 113 Chapter Fourteen Markets May Be Rational, but We Aren’t 121 Chapter Fifteen Our Homes Are a Fine Investment that Won’t Appreciate Much 135 Chapter Sixteen Paying off Debts Could Be Our Best Bond Investment 143 Chapter Seventeen Saving Taxes Can Cost Us Dearly 151 Chapter Eighteen A Tax Deferred Is Extra Money Made 159 Chapter Nineteen Insurance Won’t Make Us Any Money—If We’re Lucky 167 Chapter Twenty Even If We Have a Will, We May Not Get Our Way 175 Chapter Twenty-One Financial Success: It’s About More than Money 181 Conclusion Wall Street? That Isn’t So Far from Main Street 189 Acknowledgments 193

In a world gone mad with bizarre credit derivatives, interest-only mortgages, and collapsing markets, we still need to manage our money, put our kids through college, and save for retirement. To the rescue comes Jonathan Clements with 21 easy-to-follow rules that could help readers secure their financial future.