Читать книгу Financial Adulting - Ashley Feinstein Gerstley - Страница 2
Table of Contents
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5 Preface Let's Talk About My Privilege Why Do I Share All This? I'm Hopeful I'm Learning Notes
6 CHAPTER 1: What Is a Financial Adult? Why Aren't We Financial Adulting? But There Is Good News … So, What Exactly Is a Financial Adult? Time to Get Started Note
7 CHAPTER 2: Equity and Personal Finance The Idea That You Can Pull Yourself Up by Your Bootstraps Is a Scam The Racial Wealth Gap A Very Quick History Lesson (That We Missed in School) The Gender Wealth Gap Another Gap That Has a History The Double X Economy We Need Women to Be Wealthy What Needs to Happen to Close These Gaps Equality versus Equity Your Education Matters Your Financial Adulting Action Items Notes
8 CHAPTER 3: Your Money Goals Why Have Financial Goals? Start by Listing Out Your Goals Time to Prioritize Make Sure Your Goals Are SMART Goals How Much Is Enough? Decide How Many Goals to Work Toward Make a Preliminary Plan Use Your Goals to Focus Your Financial Adulting Action Items Notes
9 CHAPTER 4: All About Income What Is a Financial Plan? What Does a Financial Plan Actually Look Like? First, the Inflows Side Hustles The Gender Wage Gaps Closing the Wage Gap Negotiate What You Deserve Your Financial Adulting Action Items Notes
10 CHAPTER 5: Your Money Outflows Map Out Your Expenses Add Numbers to Your List Multigenerational Living Become Aware of Your Spending The Pink Tax Set Up a Sinking Fund Plan for Pitfalls Time to Incorporate Your Goals Putting It All Together Pay Yourself First If You Need It – the Health and Safety Budget Set Up Your Net Worth Tracker Your Financial Adulting Action Items Notes
11 CHAPTER 6: Consumer Activism What Is Consumer Activism? Some Consumer Activism Inspo Your Consumer Activism Criteria Sometimes Not Buying Anything at All Is the Best Option Use Your Voice Do a Consumer Activism Spending Audit Make Note of Anything You'd Like to Shift Take It Step by Step Don't Forget About Banks Cultivate a Practice of Giving Update Changes in Your Spending Plan Your Financial Adulting Action Items Notes
12 CHAPTER 7: Work Optional (a.k.a. Retirement) The Power of Compound Interest What Does Retirement Actually Mean? Where Do We Keep This Magical Nest Egg? More 401(k) Deets More IRA Deets What the Heck Does Roth versus Traditional Mean? Show Me the Money – How Much? What About Social Security? Retirement Accounts Might Be Only Part of the Plan Retire Early, You Say? Tell Me More The Gender and Racial Retirement Gaps Investing Jargon Figure Out Your Asset Allocation Choosing Our Retirement Investments Set Your Investing Up to Be Automatic Some Frequently Asked Retirement Questions Other Investing Benefits You Might Get Through Work Your Financial Adulting Action Items Notes
13 CHAPTER 8: Become an Investor for Good The Opportunity to Invest Is a Privilege The Culture of Investing My Investing Story Before You Get Started What Is Investing? The Three Ways to Invest (from Least to Most Expensive) But Wait, What's a Financial Planner? What You Need to Get Started The Types of Investments Where Does Investing for Good Come In? What About Socially Responsible or Values-Based Investing? How to Choose a Brokerage Account What If I Don't Want to Do It Myself? What About the Apps? Choosing Your Investments Purchasing or Selling an Investment Learn from Some Investing Experts How Your Investing Can Change as You Build Wealth Protect Yourself from Yourself Some Other Things That Might Be on Your Mind Your Financial Adulting Action Items Notes
14 CHAPTER 9: Buying a Home Buying a Home – How It Works Rent versus Buy? How Much Will This Cost? Incorporate These Costs into Your Plan “Try On” Your Estimated Homeowner Expenses Wait, I'm Discouraged; This Is Much More Expensive Than I Thought Organize Your Finances Before Starting the Process Should I Pay Down My Mortgage? When Should I Refinance? Another Way to Invest in Real Estate – REITs Your Financial Adulting Action Items Notes
15 CHAPTER 10: Insurance Health Insurance: What You Need to Know Healthcare Costs and Medical Debt What a Health Insurance Policy Means for These Gaps (and our wallets) Protecting Your Assets: Homeowners and Car Insurance What's an Umbrella Policy? Life Insurance – What You Need to Know Whom Should I Work with and How Do They Get Paid? Disability Insurance Long-Term Care Insurance Revisit Your Insurance When Things Change Your Financial Adulting Action Items Notes
16 CHAPTER 11: Tax Basics and Estate Planning What Are Taxes? W-4 – Tell Me More W-2 – More of an Income and Tax Snapshot 1099 – for Freelance and Other Income Other Income Info to Have Handy April 15th Is a Big Day Why Is This So Hard? How to Actually File Your Taxes Minimize the Taxes You Owe (very legally) Some Bonus Definitions Avoiding Some Common Mistakes Set Up a System to Make Taxes Less Stressful How Our Tax System Perpetuates Wealth Inequality Estate Planning – What It Is and How to Do It Your Financial Adulting Action Items Notes
17 CHAPTER 12: Your Credit Score Why Should We Care About Our Credit Score? The Quickest Way to Increase Your Score Find Out Your Current Score The Biggest Credit Score Myth The Most Damaging Myth The Makeup of Your Credit Score How to Increase Your Credit Score Some Other Common Credit Score Questions Your Financial Adulting Action Items Note
18 CHAPTER 13: All About Debt What Are Credit Cards? How Credit Cards Work It's Time to Let Go of the Shame We've Got Some Power Take Inventory of Your Credit Cards Make Your Credit Cards Work for You On to Student Loans Add Any Other Debt to Your Tracker Make a Plan to Pay Down Your Debt What If I Can't Make My Payments? Should I Refinance My Debt? Let's Talk About Buying a Car Financial Adulting Checklist
19 CHAPTER 14: Become Your Own Money Coach But What Will You Actually Be Doing as a Financial Coach? Money Parties – The Gist Set Your Money Party Agenda Monthly: Run Your Numbers Weekly or Monthly – Up the Saving Ante with the Money Game Quarterly and Annual Money Party Checklist How to Keep Your Motivation Up Financial Adulting Checklist Congrats! Note
22 Index
