How Much Is Enough? Balancing Today's Needs with Tomorrow's Retirement Goals -- Contents -- Preface to the Third Edition -- Acknowledgements -- Introduction -- Part One: What Is Enough? -- Chapter 1: Your Money and Your Life -- How Did You Score? -- A) Spender -- B) Builder -- C) Giver -- D) Saver -- Combinations -- Two Attitudes, One Family -- Attitudes vs. Preferences -- Money Myths -- Myth 1: "I'm Going to Inherit." -- Myth 2: "There's Always the Canada Pension Plan." -- Myth 3: "Why Bother Saving? The Government Just Takes It All Anyway." -- Myth 4: "I Was Born Poor -- I'll Always Be Poor" or "I Was Born Rich -- I'll Always Be Rich." -- Myth 5: "I'll Be Fine as soon as: I Marry Rich/I Win the Lottery/My Ship Comes In." -- Myth 6: "The Stock Market Will Make Me Rich." -- Myth 7: "This Deal Guarantees That I'll Get a 60 Percent Return on My Investment in a Year." -- Myth 8: "Everyone's Doing Better Than I Am." -- Myth 9: "I'll Never Get Old." -- Chapter 2: Where It Goes -- Tracking Your Cash Flow -- Keeping Track -- Cash Flow Statement -- Calculating the Future -- Personal Balance Sheet -- Chapter 3: What You Want -- What Do You Want, Anyway? -- Wish List -- Wish List Times Two -- Wish List Favourites -- Yearly Goals -- How to Set Your Yearly Goals -- What Kinds of Goals Go on Your List? -- Chapter 4: What's Enough for You -- The Magic Number -- Crunching the Numbers -- Meet Thomas and Brenda -- Projecting for Retirement -- What Your Enough Number Means -- If You're on Track -- If You're Not on Track -- Part Two: Getting Enough -- Chapter 5: Getting on Track -- Needs vs. Wants -- Budgeting-I'll Try to Be Gentle -- The Ten Percent Rule -- Finding the Money to Save -- Clear Up Debt -- Control Impulse Buying -- Cut Costs -- If You've Cut All You Can and It's Still Not Enough -- Chapter 6: Finding Financial Advice.

Finding a Good Financial Advisor -- Barbara and Henry -- Trust, Two Ways -- Qualifications -- Questions to Ask -- First Date -- Your Risk Pro. le -- It Is What You Know -- The Tummy Test -- Chapter 7: How to Make Your Money Grow -- Loaners -- The Lower the Risk, the Lower the Return -- Guarantees (some come with a catch) -- Inflation vs. Interest -- When is a Bond Not a Bond? -- Tax Bite on Interest -- Locked or Not -- Owners -- Three Rewarding Investment Strategies -- Owner Investments: The Basics -- Your Own Home -- Mutual Funds -- Stocks -- Wrap Accounts -- Art and Other Valuables -- Real Estate Investing -- Some Rules for Investing -- Chapter 8: Registered Plans -- Registered Retirement Savings Plans -- What Is Eligible? -- When You Shouldn't Contribute to Your RRSP -- Spousal RRSPs -- Borrowing for Your RRSPs -- Contributing Early -- RRSPs and Kids -- Maximizing Your RRSPs -- Registered Education Savings Plans (RESPs) -- Finding the Money for RESPs -- Tax-Free Savings Accounts (TFSAs) -- Saving for Your First Home -- Maxed-Out RRSPs -- Saving Outside the Government Plans -- Before You Retire -- After You Retire -- Chapter 9: Ages and Stages -- Age 20-35 -- Have a Plan -- Don't Borrow Too Much -- Start a Saving Habit -- Use Your Youthful Energy -- Take Some Risks -- Start a Good Credit History -- Try to Get on the Same Page Financially -- If You Want Kids, Build Some Reserves -- If You Have Kids, Plan Ahead -- Single Parents, Set a Path -- Age 35-50 -- Pay Down the Mortgage -- Max Out Your RRSPs -- Start Some Non-Registered Savings -- Plan for the Worst -- Protect Your Principal -- Reward Yourself -- Age 50-65 Plus -- Reset Expectations -- Clear Up Debt -- Are You Doing Anything After Work? -- Better Late Than Never -- Life Insurance -- Other Insurance -- Chapter 10: Family Finances -- Teaching Kids the Value of Money -- The Money Challenge.

Step One: The Parents' Financial Toolkit -- Step Two: Family Values -- Step Three: Teaching Kids the Value of Money -- Chapter 11: I've Got Enough (Now What?) -- A Changing Concept of Retirement -- Retirement: The Emotional Side -- You're Still the Same Old You -- What Do You Want to Do? -- Retirement: The Financial Side -- What Happens When You Retire? -- Should I Get a Reverse Mortgage? -- Power of Attorney -- Representation Agreements -- What to Do with the Extra -- Saving Tax in Retirement -- Chapter 12: Estate Planning -- What Happens if I Don't Have a Will? -- Probate -- Capital Gains Tax -- Family -- Laying the Groundwork -- Who Will Raise My Children? -- How Do I Make Sure My Kids Are Taken Care Of? -- How Do I Make Sure My Spouse Is Taken Care Of? -- If Your Spouse Goes First -- What Happens to the House? -- What Happens to My RRSP? -- What Happens to My TFSA? -- Charitable Giving -- What Happens to My Business? -- Don't Assume -- Treat Them Fairly -- Plan a Smooth Transition -- How Do I Choose My Executor? -- How to Save Tax and Probate on Your Estate -- Chapter 13: Tips and Thoughts to Make It Work -- Twenty Thoughts to Help You Stay on Track -- Twenty Tips to Help You Save Money -- Appendix: Financial Planning Professional Designations -- Index -- About the Author.