The Seven S.E.C.R.E.T.S. of the Money Masters -- Contents -- Preface -- Acknowledgments -- Introduction: The Skinny Cow -- Chapter 1: Michael's Very Bad Day -- Secret 1: Safety -- Investigate before You Invest -- How Volatile Is the Investment? -- How Expert Is Your Financial Expert? -- Are All Your Eggs in One Basket? -- Is Keeping Your 401(k) Costing You Your Retirement? -- Secret 2:Expense -- The True Cost of Credit Card Debt -- Inflation -- Fees on Investments -- The Cost of Your Time -- Tracking Your Time -- Lost Opportunities -- Secret 3: Cash Flow -- Your Personal Cash Flow -- The Other Side of the Coin -- How Much Is Enough? -- Secret 4: Rate of Return -- Maximizing Your Returns -- Secret 5: Economy -- How the Banks Do It -- Beyond Our Borders -- Assessing Your Risks -- Secret 6: Tax Efficiency -- Finding Tax Efficient Investments -- Secret 7: Sense -- Trust Everyone, but Cut the Cards -- Let Your Values System Be Your Guide -- Which Will You Choose, Discipline or Regret? -- Epilogue -- Appendix A: Seven Questions We Should Ask Our Money Managers -- Appendix B: The Seven Biggest Money Mistakes -- Resources and Recommended Reading -- About the Authors -- Index.