Cover -- Contents -- Introduction -- Chapter 1: The Flow -- Financial Stress -- Math Problems -- Forcing Your Income to Match Your Expenses -- Financial Stress -- Chapter 2: Debt -- Your Relationship with Debt -- Types of Debt -- Student Loans -- Bank Credit Card Debt -- Store Credit Card Debt -- Car Loan -- Home Loan (Mortgage) -- Medical Debt -- Lines of Credit (Secured and Unsecured) -- Payday Loans -- Personal Loans (from a Financial Institution) -- Personal Loans (from a Family Member or Friend) -- Tax Debt -- Collection Debt -- Judgments -- Debt Pay-Down Process -- The Math Method -- The Momentum Method -- The Shotgun Method -- Getting Out of Debt -- Step 1: Map Out Your Debt -- Step 2: Build Momentum with Small Debt Victories -- Step 3: Commit to a Debt-Payment Schedule -- Your Perspective Needs to Shift -- What Now? -- Chapter 3: Budgeting -- The Ideal Household Budget -- Housing: 25 Percent -- Transportation: 15 Percent -- Groceries and Dining Out: 12 Percent -- Savings: 10 Percent -- Utilities: 10 Percent -- Charity: 5 Percent -- Clothing: 5 Percent -- Medical: 5 Percent -- Entertainment: 5 Percent -- Holidays and Gifts: 5 Percent -- Miscellaneous: 3 Percent -- The Expense Categories You Don't See -- Daycare -- Education -- Debt Reduction -- Student Loans -- Your Budget Will Form Your Salary -- Chapter 4: Pay Yourself a Salary -- Considering Seasonality, Bonuses, and Overtime -- Understanding Compensation Structures -- Salary Only -- Salary with Commission -- Commission Only -- Flipping the Script on Variable Income -- Your Salary -- The Pool -- What Ifs -- Your Salary Will Bring Stability -- Chapter 5: Raises and Bonuses -- The Commissioner Income Raise -- The Commissioner Bonus -- Paying a Bonus versus Increasing Your Income -- What to Do with a Bonus -- The Invisible Raise -- The Dangers of Bonuses and Raises.

Chapter 6: Thriving and Surviving Months -- Big Money, Big Problems -- The Commissioner Super-Move -- Chapter 7: Wealth -- Savings versus Investing -- The Role of Net Worth as a Wealth-Building Tool -- Types of Investments and Investment Vehicles -- Stock -- Bond -- Mutual Fund -- Exchange Traded Fund -- Index Fund -- Target-Date Funds -- IRA -- Roth IRA -- 401(k) -- 529 College Savings Plan -- Why You Can't Wait to Invest -- Three Steps to Prepare for Long-, Mid-, and Short-Term Money Needs -- Step 1: Set Up Your Retirement Account, Ideally through Your Employer -- Step 2: Save at Least 10 Percent of Your Take-Home Pay into a Savings Account (Emergency Fund) -- Step 3: Create Wealth by Investing with the Midterm Bucket -- Hiring a Financial Advisor -- Fees for a Financial Advisor -- Risk -- Chapter 8: Making It Stick -- Eroding Professional Skills -- Dwindling Pool -- Increased Salary Need -- Boredom and Complacency -- The Commissioner Rules -- Your Income Is No Longer Arbitrary -- Index -- A -- B -- C -- D -- E -- F -- G -- H -- I -- J -- L -- M -- N -- O -- P -- Q -- R -- S -- T -- U -- V -- W.