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Scott Pape. The Barefoot Investor
Table of Contents
Guide
Pages
No funny stuff, just money stuff
Scott Pape is the Barefoot Investor
THE ONLY MONEY GUIDE YOU'LL EVER NEED
Read this first
Prelude: Living Barefoot
Plant, Grow, Harvest
The alpaca attitude
Put your foot down
Stop with the excuses
Be financially fireproof
The secret is …
Introducing the Barefoot Steps
Part 1 PLANT
It's time to get your hands dirty
STEP 1 SCHEDULE A MONTHLY BAREFOOT DATE NIGHT
Money talk is better with garlic bread and wine
Schedule your first five Barefoot Date Nights
Barefoot Date Night confessions
Barefoot banking
How did you get your current bank account?
Banishing bank fees from your life forever
My zero-fee everyday transaction account
Steal my wife's purse
Get some interest, brah!
My linked high-interest online savings accounts
Get some Mojo, baby
My Mojo account
And if you have a mortgage…
Note to future readers
BAREFOOT DATE NIGHT MENU. Week 1
ENTREE:
MAIN COURSE:
DESSERT:
The world's cheapest super funds
‘I've got this’
The greatest tax dodge in Australia
Middle-aged men ruin everything
The gold-plated urinal
Your super fund can gobble up a third of your potential final balance in fees
The $226 484 difference
What about fancy investment options?
Note
All the questions you've been too bored to ask about your super — in one-and-a-bit pages. Should I open a self-managed super fund (SMSF)?
Can I choose a new super fund?
What investment option should I choose for my super?
How can I be certain my boss is putting money into my super fund?
How do I find my lost super?
Should I be making extra contributions to my super?
When can I access my super?
It's all about the fees
BAREFOOT DATE NIGHT MENU. Week 2
ENTREE:
MAIN COURSE:
DESSERT:
Barefoot made us better parents
Your insurance sorted in one beer
The golden rules of insurance. Rule 1: Only insure against things that can kill you financially
Rule 2: Choose a higher excess
Rule 3: Don't automatically pay your insurance premium each year
Private health insurance — do you even need it?
Protecting your family
BAREFOOT DATE NIGHT MENU. Week 3
ENTREE:
MAIN COURSE:
DESSERT:
How to live like a multimillionaire right now
Back to the future
Jerry Seinfeld talks garbage
How much is enough?
Just a little bit more
#BarefootRich
Socks and jocks
Your car
STEP 2 SET UP YOUR BUCKETS
The Serviette Strategy
Introducing the Serviette Strategy
If you can't explain your plan in 30 seconds … you don't have a plan
The Blow Bucket
The Barefoot benchmark: live off 60 per cent of your income
The Mojo Bucket
The Grow Bucket
Manage your money in 10 minutes a week
Putting it all together: Serviette Strategy + your new accounts = happiness
Set up payment to your Daily Expenses account
Set up payment to your Splurge account
Set up payment to your Smile account
Set up your Fire Extinguisher account
Putting it all together
BAREFOOT DATE NIGHT MENU. Week 4
ENTREE:
MAIN COURSE:
DESSERT:
STEP 3 DOMINO YOUR DEBTS
Removing the brainwashing
Who taught you about money?
‘Commonwealth Bank joins forces with … Snoop Dogg?’
Your first credit card
Wait, what about Afterpay?
The hangover
Stand for something
Domino your debts (except your HECS-HELP and your home)
Domino 1: Calculate
Domino 2: Negotiate
Domino 3: Eliminate
Domino 4: Detonate
Domino 5: Celebrate!
BAREFOOT DATE NIGHT MENU. Week 5
ENTREE:
MAIN COURSE:
DESSERT:
The move to monthly Barefoot Date Nights
Mother and daughter pay off tens of thousands of dollars in credit card debts!
Everything you wanted to know about paying off your debts — in one-and-a-bit pages. Should I pay off my HECS-HELP debt?
What should I do about my car loan?
Which credit card should I pay first?
Help! My Afterpay is out of control!
Should I consolidate my debts?
Should I worry about what's on my credit file?
Dude, Visa has a hitman looking for me — should I go bankrupt?
Help, I can't make my repayments!
Step 1. Whip out your phone
Step 2: No chitty chat
Step 3: Call for backup
Recap of Part 1: Plant
Part 2 GROW
You're about to enter the most exciting part of the book
How to double your income
You're joking … right?
It was the best of times; it was the worst of times
Welcome back to high school
How to earn $5000 in an hour
1. Make a commitment
2. Do your homework
3. Take control of your performance review
4. Put your goals in your calendar
5. Casually follow up with your boss over the next 12 months
The ultimate payoff
Please, give me your excuses
Get a bit on the side — fast
Swing on the trapeze
How you can double your income
Prove them wrong
STEP 4 BUY YOUR HOME
How to buy your home in 20 months
Yes, housing is (still) ridiculously expensive
Is rent money dead money?
Mistake #1: They're waiting for a crash
Mistake #2: They buy a home they can't afford
Mistake #3: They buy an investment property first
Mistake #4: They rent but forget to save
Mistake #5: They don't consider other options
How to save for a deposit
Why 20 per cent?
Want to get there faster?
Home is where your heart is
How we bought our family home
I bought my home all on my own!
Everything you wanted to know about the biggest purchase of your life — in two-and-a-bit pages. How much of a deposit do I need?
How much can I afford?
Should I buy an investment property first?
Should I wait for the housing market to crash?
Should I buy with friends or family?
What about government grants for first home buyers?
Should parents ever go guarantor?
BAREFOOT DATE NIGHT MENU. Buying your home
ENTREE:
MAIN COURSE:
DESSERT:
Starting over in your 50s
STEP 5 INCREASE YOUR SUPER TO 15 PER CENT
Your Golden Ticket — becoming an investor
Leave your emotions at the door
The Boxing Day sales
Becoming a business owner
But I don't have any money to invest!
Hang on, what about crypto?
Everything you wanted to know about investing — in two-and-a-bit pages. How do I buy shares?
Are shares the same as stocks?
How do I know I own the shares?
What are dividends?
When should I buy? When should I sell?
Should I invest in shares or keep paying off the mortgage?
My brother-in-law says I should invest in gold. What do you think?
Elon Musk loves crypto. Are you saying that you're smarter than a billionaire?
I've flirted with a lot of financial floozies. Read: hot stocks, cold coins, and other investments that I've lost a lot of money on. What should I do?
Thanks, Dad — The Barefoot Investor set me up to tread my own path
The automatic millionaire — how to put your investing on autopilot
Little blue biros
Faceplanting on a treadmill
The final quarter of your grand final
Never worry about money again — boosting your super to 15 per cent
Tax cuts!
No willpower needed
Automatic millionaire super scripts
To boost your super to 15 per cent (‘salary sacrifice’)
If you're self-employed
If you're eligible for the government's co-contribution to your super
BAREFOOT DATE NIGHT MENU. Boost your super to 15 per cent
ENTREE:
MAIN COURSE:
DESSERT:
Should I buy an investment property?
Don't put down this book!
Why borrowing to invest kills compound interest
Debt is a four-letter word
A tale of two investors
The share investor
The property investor
How to really make money in property
Property vs shares
How to be a hero —investing for your kids (or grandkids)
The number one secret to raising financially fit kids is …
The Grow Bucket: compound interest for kids
Lower income earners
Higher income earners
Which investment bond?
How not to raise a spoilt brat
Paris Hilton, Donald Trump and your kids
A letter to my children
The widow who put her kids through private school
STEP 6 BOOST YOUR MOJO TO THREE MONTHS
The power of Mojo — never worry about money again
BAREFOOT DATE NIGHT MENU. Save up 3 months of Mojo
ENTREE:
MAIN COURSE:
DESSERT:
The Mojo Mumma
Recap of Part 2: Grow
Part 3 HARVEST
Ask any farmer what their favourite time of the year is, and they'll tell you ‘harvest!’
STEP 7 GET THE BANKER OFF YOUR BACK
The curious case of the postcode povvos
Postcode povvos
The millionaire next door
Don't do it for the kids
How to save $77 641 and wipe almost seven years off your mortgage
Rule 1: Don't get the bells and whistles
Rule 2: Don't fix your rate
Rule 3: Get the cheapest rate possible
The $22 064 phone call
This phone call works
Revealed: the mortgage industry's dirty little secret
Point the Fire Extinguisher at your home loan
The proudest day of my financial life
BAREFOOT DATE NIGHT MENU. Get the banker off your back
ENTREE:
MAIN COURSE:
DESSERT:
The debt-free 40-something millionaires next door
STEP 8 NAIL YOUR RETIREMENT NUMBER
The Donald Bradman Retirement Strategy — why you don't need $1 million to retire
Give us a hand, cobber
Fear and loathing
You do not need a million dollars in super to retire
What your retirement will look like
Introducing the Donald Bradman Retirement Strategy
Rule 1: You must have the banker off your back
Rule 2: Nail your number
Rule 3: Never, ever retire
You'll never, ever, run out of money
The three-bucket retirement solution
Where will you get three years of pension payments for Mojo?
Everything you wanted to know about the Donald Bradman Retirement Strategy — in one-and-a-bit pages. What if the government cuts the age pension?
Will the government change the low-tax status of super?
What if I don't have $250 000 (or $170 000 as a single)? Should I downsize my home?
How much Mojo do I need in retirement?
Why should I bother saving at all? The government will just reduce my pension
How do I know I'll get the full rate of pension?
BAREFOOT DATE NIGHT MENU. Nail your number
ENTREE:
MAIN COURSE:
DESSERT:
Finding your financial advisor on Tinder
Find your financial advisor the Tinder way
What to do if you've already got an advisor
Be dumb smart
It's not about you — a gift for your family
We rescued our retirement!
STEP 9. LEAVE A LEGACY
Building your legacy — a very special Barefoot Date Night
How will you be remembered?
Give your money
Give your time and your money
The digger giving back
Recap of Part 3: Harvest
Prove them wrong
Freedom starts today — you don't have to wait …
A sense of purpose
Strong personal relationship/s
Financial security
We'll meet again
A final word
Where to get more info — in two-and-a-bit pages. If you're in financial strife
Age pension
Finding the right financial advisor
Government support for home ownership
Health insurance
HECS-HELP
Insurance
Superannuation
Index
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