Introduction 1 Part 1: Getting Started with Personal Finance 5 Chapter 1: Embracing Financial Literacy 7 Chapter 2: Establishing a Financial Foundation 19 Chapter 3: Measuring Your Financial Health 29 Chapter 4: Establishing and Achieving Financial Goals 47 Part 2: Spending Less, Saving More 81 Chapter 5: Managing Where Your Money Goes 83 Chapter 6: Dealing with Debt 93 Chapter 7: Reducing Your Spending 111 Chapter 8: Trimming Your Taxes 145 Chapter 9: Making the Most of Registered Retirement Savings Plans 179 Part 3: Building Wealth through Investing 199 Chapter 10: Considering Important Investment Concepts 201 Chapter 11: Understanding Your Investment Choices 229 Chapter 12: Investing in Funds 251 Chapter 13: Investing in RRSPs and Retirement Plans 269 Chapter 14: Investing Outside Tax-Sheltered Retirement Plans 287 Chapter 15: Investing for Educational Expenses 307 Chapter 16: Investing in Real Estate: Your Home and Beyond 327 Part 4: Insurance: Protecting What You Have 365 Chapter 17: Insurance: Getting What You Need at the Best Price 367 Chapter 18: Insurance on You: Life, Disability, Long-Term Care, and Medical 381 Chapter 19: Covering Your Assets 399 Part 5: Where to Go for More Help 419 Chapter 20: Working with Financial Planners 421 Chapter 21: Using Technology to Manage Your Money 437 Part 6: The Part of Tens 451 Chapter 22: Survival Guide for Ten Life Changes 453 Chapter 23: Ten Tactics to Thwart Identity Theft and Fraud 467 Index 473.