| Introduction | 5 |
Chapter 1 | Your Retirement Planning Should Have Started Yesterday | 14 |
| Who Controls Your Destiny? | 14 |
| There Is No Foolproof Method To Getting Rich Quick | 15 |
| Risk/Reward | 15 |
| Safe-And-Sound Treasury Bond | 16 |
| Five Key Risks To Watch | 17 |
| Tolerance For Risk | 20 |
| Life Cycle Investing | 22 |
Chapter 2 | When will You be Able to Retire? | 23 |
| Some Of The Myths About Retirement Returns | 24 |
| Are Your Expectations of the Stock Market Realistic? | 26 |
| Understanding the History of the Stock Market | 27 |
| Liquidity | 28 |
| So How Much Do I Need in Retirement? | 28 |
| So How Far Does $1 million go? | 30 |
| It's Time to Start Saving | 31 |
Chapter 3 | Who Controls Your Investments? | 33 |
| Mutual Funds Securities | 35 |
Chapter 4 | Choices in the Investment World | 38 |
| Non-marketable Financial Assets | 38 |
| Marketable Financial Assets | 39 |
| Capital Market--Stocks and Bonds | 40 |
Chapter 5 | Management and Your Portfolio | 48 |
| Active or Passive Investing | 48 |
| MMCP: Management, Marketing, Capitalization and Product | 50 |
| Dope | 53 |
| Better is Better | 54 |
| Signs of Good Management | 55 |
Chapter 6 | Investing in Common Stocks | 58 |
| Are Stocks Equally Risky? | 58 |
| When is the Best Time to Buy Stocks? | 59 |
| The Statistics Over 70 Years | 60 |
| The Importance and Benefits of Asset Allocation | 61 |
| Life Cycle Investing | 61 |
| Personal tolerance for risk | 62 |
| Why Asset Allocation? | 63 |
| How to Survive the Stock Market's Ups and Downs | 65 |
Chapter 7 | Conventional Wisdom | 67 |
| Advice from a Stockbroker | 67 |
| Ideas of Typical Investors | 68 |
| Bear Market 101 | 69 |
| Fundamentals Don't Lie | 72 |
Chapter 8 | Qualified Retirement Plans | 73 |
| Contributing to Traditional IRA vs. Roth IRA | 86 |
Chapter 9 | Professionals Leave the Financing to the Banks | 88 |
| Collections | 88 |
| Owning a Building vs. Renting Space | 90 |
| Failing to Succeed | 91 |
| Endnotes | 93 |