Strategic Money Planning: 8 Easy Ways To Put Your House In Order,Used

Are you worried about your financial situation? You always seem to have more money going out the door then coming in. Debt never seems to go down. Costs a lot of money to raise the kids. And youre supposed to save for retirement! Never mind having this thing called an emergency fund. How do you do all this, and pay the bills? What happens if you lose your job, get hurt, or your pay doesnt keep up with your spending? Its nerve wracking. I know it. Ive been there too. And while there are no magical solutions, there are some strategies Ill share with you in this book which have been overlooked by most Americans. These underutilized techniques will help you get on the path of financial stability. For instance, were told: *** Never borrow from your 401K! Why??? Has this ever been modeled or is just boilerplate advice from a financial services industry that gets paid on your account size, without regard to how much debt you have. I model this out and will show you that its okay to borrow from your 401k. *** Get your kids in the best schools! Once again, well ask why? Has this ever been modeled to validate the higher cost you pay to be in those best schools? Well, in this book, I model that too. I think youll be surprised as to what we find out. *** Everyone should own a home! Uh huh. Again, why? Lets model this out and see the pros and cons of owning vs. renting. *** Its safer to have a fixed rate mortgage. Sometimes it is. Sometimes it is not. We examine this in detail and how it may affect YOU. *** Leasing a vehicle is a waste of money! Oh really? Why? Has that ever been modeled relative to YOUR specific situation? Of course not. This is just more boilerplate financial advice. Boilerplate advice is meaningless...to YOU! In this book we will also cover topics like how to greatly reduce your life insurance premiums...if you even NEED life insurance, that is. *** Does your life insurance cover your debt? And I dont mean your Accidental Death and Dismemberment (AD&D) insurance through your employer, that is not true insurance. Not sure? If you died today, what kind of burden would you leave on your spouse and kids? Probably need to look at that, no? *** There is a perception that estate planning is only for people with large assets. Oh, really? Do you have kids? Do you or your spouse have assets in IRAs, 401ks, 403bs or any other of individuallyowned accounts? What happens to your spouse or children if you get hurt or, Heaven forbid, die? Do you know? I provide examples of what you need to consider about your estate plan that I assure you has been overlooked. I hope you read my book as I believe you will find some fruitful nuggets in here from my many years of experience as a financial advisor. But more importantly I hope you find a path to get your finances in order, no matter how you do it. Nothing is more important to family wellbeing.