Table of Contents

1. Introduction.

2. Your Paycheck.

• Introduction
• Payroll Deductions
• Taxes – and Legally Avoiding Them
• Income Tax Withholding Amounts
• Expense Deductions
• Tax-deferred Options
• The Earned Income Credit

3. Earning and Increasing Your Income.

• Introduction
• Making More Money
• Work More
• Do a Good Job
• Increase Your Education and Training
• Gain Useful Experience
• Develop Positive Personal Qualities
• Shop the Labor Market
• The Cost of Working
• Dealing with Variable Income
• Self Employment
• Calculating Your Annual Net Income
• Reflection
• Quicky Quiz #1

4. Spending (and Controlling It).

• Introduction
• Spending Lifestyles
• The “Budge It”
• Tracking Spending
• “Core” Monthly Expenses
• “Periodic” Annual Expenses and Your Varia-Bills
• Recording Your Checks and Checking Your Records
• 3 Dozen Tips on Controlling Spending

5. Your Personal Profit Position

• Personal Profit: Income Minus Expenses
• Your Rolling Profit Position
• Be Your Own Account Ant
• Quicky Quiz #2

6. Special Purchases.

• Buying a Home
• Buying a Car
• Buying Insurance
• Buying a Higher Education

7. Managing Debt & Credit

• Credit Cards
• Checking Your Credit
• When It Pays to Borrow
• Bankruptcy
• Quicky Quiz #3

8. Building Wealth by Saving.

• Saving
• Building Wealth
• Personal Balance Sheet

9. Building Wealth by Investing.

• Introduction
• Investing Alternatives
• Risk and Return
• Diversification
• Investments and Taxes
• How Much Is a Stock Worth?
• Investment Logic
• Investment Costs
• Information Sources and Tools
• Dollar Cost Averaging
• Is Time on Your Side?
• Heading into Retirement
• Documents You Should Have Now
• Quicky Quiz #4

10. Enjoying Life.

11. Quicky Quiz Answers

12. Wrapping Up.

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