Introduction 1 Part 1: Getting Started with Personal Finance 5 CHAPTER 1: Embracing Financial Literacy 7 CHAPTER 2: Establishing a Financial Foundation 21 CHAPTER 3: Measuring Your Financial Health 31 CHAPTER 4: Establishing and Achieving Goals 51 Part 2: Spending Less, Saving More 73 CHAPTER 5: Managing Where Your Money Goes 75 CHAPTER 6: Dealing with Debt 87 CHAPTER 7: Reducing Your Spending 105 CHAPTER 8: Managing and Reducing Your Taxes 135 Part 3: Building Wealth through Investing 159 CHAPTER 9: Considering Important Investment Concepts 161 CHAPTER 10: Understanding Your Investment Choices 189 CHAPTER 11: Investing in Funds 211 CHAPTER 12: Investing in Retirement Accounts 227 CHAPTER 13: Investing in Taxable Accounts 249 CHAPTER 14: Investing for Educational Expenses 263 CHAPTER 15: Investing in Real Estate: Your Home and Beyond 277 Part 4: Insurance: Protecting What You Have 317 CHAPTER 16: Insurance: Getting What You Need at the Best Price 319 CHAPTER 17: Insurance on You: Life, Disability, and Health 337 CHAPTER 18: Covering Your Assets 363 Part 5: Where to Go for More Help 377 CHAPTER 19: Working with Financial Planners 379 CHAPTER 20: Using Technology to Manage Your Money 397 CHAPTER 21: Consuming Financial Content 411 Part 6: The Part of Tens 419 CHAPTER 22: Survival Guide for Ten Life Changes 421 CHAPTER 23: Ten Tactics to Thwart Identity Theft and Fraud 437 Glossary 443 Index 457.