MONEY Master the Game: 7 Simple Steps to Financial Freedom (104 page)

Roosevelt, Theodore,
19
,
331

Roth, Marc,
560

Roth, William,
150

Roth
401
(k),
150
–51,
152
–53,
154
,
235

Roth IRA,
150
,
153
–54,
236
,
278
,
442

Rothschild, Baron,
456
,
523

Rowe, Mike,
265

Royal Bank of Canada,
177
,
310

rule of
72
,
283

Rutgers University, risk-tolerance scale,
332

Rwandan orphans,
592
–93

S&P index funds,
92
,
93
–94,
95
–96,
98
,
99
,
101
,
105
,
107
,
182
,
330
,
354
,
357
,
383
,
394
–95,
396
,
474

15
,
173

Salesforce Foundation,
xxvii

Sandy Hook Elementary School,
591
–92

Save More Tomorrow (SMarT),
66
–68,
151
,
236
–37,
249

savings,
55
–70

automatic,
59
,
64
–65,
69
–70

compounding,
60
,
62
–65,
238
,
280

creating wealth,
64

critical mass of,
90

cutting expenses,
253
–56

discipline of,
543

financial plan founded on,
56
–57

investment,
58
,
90
,
247
–58,
292

mindful,
256
–58

paying yourself first,
62

and pay raises,
67
,
68

percentage of,
59
,
63
,
68
–69

rate of,
37

for retirement,
37

as ultimate ATM,
55

Schilling, Curt,
52

Schwab, Charles,
10
,
47
,
116
,
130
,
235
,
455
,
529
–39,
529

Schwed, Fred Jr.,
124

Securities and Exchange Commission (SEC),
135
,
530

security, subjective concept of,
314
–15

Security/Peace of Mind Bucket,
301
–20

annuities,
308
,
438

asset allocation,
302
,
310
,
328
–29,
338
,
612

bonds,
303
–5,
306
,
315
–20

cash/cash equivalents,
302
–3

CDs,
305
,
306

and compounding,
311
,
312

home,
306
–8

life insurance,
309

pension,
308

structured notes,
309
–10

time on your side,
310
–15

security selection,
471
,
472

self-employment:

and automatic savings,
65
,
69

and Solo
401
(k),
153

self-esteem,
580

self-fulfilling prophecy,
189
–90

senior housing, investment in,
284
–86,
308

sequence of returns,
412

serendipity,
228
–29

service,
538
–39,
586
,
616

7 Simple Steps,
23
,
41
,
43
–48

asset allocation,
45
,
292
,
295
,
612
–13

decide savings percentage,
45
–46,
63
–66,
609

invest like .001%,
46
–47,
614
–15

just do it,
47
,
615
–16

know the rules,
44
,
85
,
609
–10

lifetime income plan,
46
,
613
–14

make the game winnable,
45
–46,
610
–12

timing,
348
–49

turn dreams into reality,
212
–25

shareholders,
459
–60,
461
,
464

Shiller, Robert,
307
,
323
,
501
,
595

Shoven, John,
31
,
139

significance,
76
–77,
204

Silicon Valley,
264
,
557

Sinclair, Upton,
121

60/40,
399

Slaughter, Frank,
183

slavery, child,
600

small business:

and automatic savings,
65
,
69

cash-balance plan for,
155

and
401
(k)s,
146
–48,
152
,
153
,
181

Social Security,
243
,
409
,
418

as government liability,
149

and retirement,
31
–32,
34

Social Security Act,
31

soft-dollar trading,
114
–15

Solo
401
(k)s,
153

Soros, George,
385

South Korea, education in,
266
–67

Spanx,
271

speculation,
172
,
325

speed it up,
611

change your life,
287
–92

and Dream Bucket,
344

earn and invest,
259
–72

get better returns,
281
–86

prepaying your mortgage,
251
–52

reduce fees and taxes,
273
–80

save and invest,
247
–58

spending plan,
253
–56

SPIVA,
98

stable value funds,
160

stagger (lead),
232

state, physical, changing,
196
–99

stock index,
93
–94

stock market:

diversity in,
104

and inflation,
386

long-term investment in,
93
,
104
,
329
–30,
351

volatility in,
104
,
382
,
390

stock picking,
119
,
180
,
296

stocks:

and bonds,
158
,
160
,
329
–30

employer’s,
162
–63

foreign,
328
,
473
,
535

poison pills,
464

story:

changing,
194
–95,
249