MONEY Master the Game: 7 Simple Steps to Financial Freedom (106 page)

Three to Thrive,
211
–12,
225
–26,
292
,
585

TIAA-CREF,
169
,
402
,
447
–48,
470

Tier
1
capital,
442

time:

and compounding,
311
,
312

diversifying against,
355

value of,
287
,
570

time-weighted returns,
118
–19,
121

timing,
62
,
256
,
348
–66

and dollar-cost averaging,
355
–59,
363
,
365
–66,
613

getting in front of a trend,
270

and long-term investing,
351

market,
97
,
296
,
300
,
354
,
380
,
471
–72

mistake in,
177
,
348

and mob mentality,
348
–49

and patterns of investing,
359

and probabilities,
361

and rebalancing,
359
–62

and tax loss harvesting,
362
–63

and volatility,
363

tipping point,
90
,
193

TIPS (Treasury inflation-protected securities),
305
,
316
–17,
328
,
329
,
374
,
473
,
474

tithing,
602

T-notes,
316

Today,
349
–50,
485

tontines,
167

training, retooling our skill sets,
264
,
265

transformation,
185
,
195

Trebek, Alex,
301

Trichet, Jean-Claude,
518
,
520

Truckmaster truck driving school,
259

Trump, Donald,
210

trust, absence of,
119
–20,
125
,
542

trust deeds,
313

Tubman, Harriet,
345

Tullis, Eli,
491

Turner, Ted,
595

TWA,
318

Twain, Mark,
11
,
481
,
566

Tyson, Mike,
6
,
53
,
60

uncertainty/variety,
75

Unconventional Success
(Swensen),
469

unemployment,
264
,
265

unicorns,
14
n,
99
,
180
,
331
,
350

United Parcel Service (UPS),
60

United States:

income ladder in,
263

national debt of,
149
,
236

states with no income tax,
290

Unleash the Power Within (UPW),
15
,
194
,
559

Unlimited Power
(Robbins),
18

255
–56

Uram, Matt,
551
–52

Usher,
15
,
18

Ustinov, Peter,
549

US Treasury bonds,
305
,
316
–18,
328
–29,
400
,
473
,
474

US Treasury money market fund with checking privileges,
303

V2MOMs,
xxvi

value, added,
193
,
261
,
262
–63,
265
,
268
,
269
,
272
,
343
,
595
,
611

value investing,
486

Vanguard Group:

annuities,
169
,
402

founding of,
470
,
476
–78

index funds,
95
,
97
,
113
,
143
,
144
,
157
,
472

mutual funds,
10
,
477

return after taxes,
235

target-date fund,
163
,
181

variety/uncertainty,
75

Venter, Craig,
566
–67

Vichy-Chamrond, Marie de,
238

Virgin Airways,
173

volatility,
104
,
301
,
321
,
356
,
358
,
363
,
382
,
390

wage, minimum,
263

Walton, Sam,
76

Ward, William A.,
54

Warren, Doug,
138

water, potable,
565
–66,
599
–600

wealth:

creation of,
64

final secret of,
588
–606

growing,
176

keeping,
295

kinds of,
576

and living trust,
448
–49

secrets of ultrawealthy,
442
–49,
614

tithing,
602

without risk,
181

wealth calculator,
234
,
236
,
611

Wealth Mastery seminars,
332
–33

Weissbluth, Elliot,
128
–31

whale blubber,
556

Where Are the Customers’ Yachts?
(Schwed),
124

Wilde, Oscar,
8
,
410
,
422

Wilder, Thornton,
577

Williams, Serena,
15

Williams, Tennessee,
30

Williamson, Marianne,
554

Winfrey, Oprah,
18
,
210
,
237
,
271
,
341

Winters, David,
460

women, as investors,
334

Wonder, Stevie,
564

Woodman, Nick,
269
–70,
271

work:

minimum wage,
263

not having to,
217
,
218

pay raises,
67
,
68

skills needed for,
264

unemployment,
264
,
265

work ethic,
509
–10

World Wide Fund for Nature,
556

Wynn, Steve,
15
,
34
,
76
,
88

X Prize,
47
,
554

XS, Las Vegas,
76
–77

Yale model,
276
,
469
,
471
–74

yourself, invest in,
260
–66

Yousafzai, Malala,
586
–87

YouTube,
270

Zgainer, Tom,
143

Zweig, Jason,
87

PERMISSIONS

Ariely Tables:
Dan Ariely

Mutual Funds True Costs:
Robbie Hiltonsmith, Dēmos

Debt Mountain Cartoon:
By permission of Michael Ramirez and Creators Syndicate, Inc.

Average US Consumer Spending:
US Census Bureau

I Had to Make Some Adjustments:
Gary Varvel Editorial Cartoon used with the permission of Gary Varvel and Creators Syndicate. All rights reserved.

David Bach Chart:
David Bach

Eggs in Basket With Grenade:
Kurt Snibbe

Raymond James TIPS:
www.raymondjames.com

Malkiel Volatility Chart:
Dr. Burton Malkiel