MONEY Master the Game: 7 Simple Steps to Financial Freedom (98 page)

BOOK: MONEY Master the Game: 7 Simple Steps to Financial Freedom
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cash-balance plan for,
155
and
401
(k)s,
146
–48,
152
,
153
,
181

environment, investment,
385
–88

Epictetus,
37

equities,
322
–23,
329
–30,
473

Erdoes, Mary Callahan,
10
,
99
–100,
455
,
498

on asset allocation,
296
,
337
,
504
author’s interview with,
100
,
309
,
337
–38,
498
–504
on leadership,
501
on long-term investment,
504
on rebalancing,
361
on structured notes,
309
–10

Europe, economies in,
518
–20

Evans, Richard,
114

exchange-traded funds (ETFs),
322
–23

execution,
41
,
65
,
228
,
388
,
616

expectations,
334
,
387

expense ratio,
108
,
113

expenses, cutting,
253
–56

Extrabux,
256

extracellular matrix (ECM),
568

 

Faber, Marc,
523
–28,
523

Facebook,
270

failure to try,
271

Fama, Eugene,
98

Farrell, Charlie,
279

fate,
228
–29,
343

fear:

of being judged,
193
dealing with,
544
–45
of failure,
183
–84,
225
,
301
physical effects of,
196
of the unknown,
185
,
211

Federal Deposit Insurance Corporation (FDIC),
178
–79,
302
,
305

Federal Reserve,
354
,
481
,
524
,
535

Fee Checker,
145
,
148
,
151
–52,
181

Feeding America,
598
,
599

Feeney, Chuck,
72
–73,
595

fees,
87
,
104
,
236

of annuities,
168
–69,
308
,
434
,
439
compounding,
106
–9,
479
cost calculator,
111
in
401
(k)s,
111
,
114
,
141
,
142
,
143
–46,
148
,
151
–52,
181
on index funds,
112
,
165
,
278
of mutual funds,
105
–15,
119
,
121
,
141
,
180
,
273
,
278
,
479
nondeductible,
112
in pensions,
86
reducing,
273
–80
and risk/reward,
177
,
180
in structured notes,
310

Feldstein, Martin,
385

fiduciary,
126
–33

advice from,
126
,
286
,
319
,
338
,
362
brokers vs.,
126
–28,
137
,
180
Butcher vs. Dietitian,
127
–28,
180
and commissions,
447
criteria for,
132
–33,
135
–36,
480
finding,
126
–27,
132
independent,
336
and structured notes,
177
–78

fiduciary responsibility,
470

50 Cent,
54

fight-or-flight response,
570

financial advisors,
126
–27

financial blueprint,
233
–34

financial crashes,
46
–47,
350
,
440
–41,
488
–89,
493
,
514
–15,
524
;
see also
financial meltdown

financial dreams,
203
–29

absolute financial freedom,
211
,
223
–25,
257
–58
Dream Bucket,
207
,
340
–47
exact, realization of,
199
,
212
–15
figuring the price of,
224
financial freedom,
211
,
217
,
220
–22,
292
financial independence,
211
,
217
,
218
–20,
292
financial security,
211
,
212
–17,
292
financial vitality,
211
,
217
–18
levels of,
203
lifestyle,
209
–10
magic of,
206
and millionaires vs. billionaires,
208
–10
questions about,
206
–8
real price of,
209
–10
Three to Thrive,
211
–12,
225
–26
and your subconscious,
206

financial freedom,
5
–6,
30
,
70
,
83
,
211
,
217
,
220
–22,
249
,
263
,
292
,
364
,
600

absolute financial freedom,
211
,
223
–25,
257
–58

financial independence,
211
,
217
,
218
–20,
292

financial meltdown (2008–2009),
15
,
16
–17,
18
,
47
,
71
,
88
,
98
,
175
,
264
,
298
,
299
,
309
,
313
–14,
330
,
349
,
378
,
384
,
397

financial myths,
83
–91,
364
,
609

annuities,
165
–71
brokers,
121
–37
fees,
105
–15
401(k)s,
138
–56
lies we tell ourselves,
183
–99,
249
mutual funds,
92
–104
returns,
116
–20
risk/rewards,
172
–82
target-date funds,
157
–64

financial security,
211
,
212
–17,
292

emergency/protection fund,
216
–17,
302
income for,
215
–16,
407
–8

financial vitality,
211
,
217
–18

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