Book 4

Handling Budgets and Investments

Contents at a Glance

1. Chapter 1: Protecting Your Employment Income
   1. Assessing Your Need for Life Insurance
   2. Protecting Your Employment Income: Disability Insurance
   3. Investing In and Protecting Your Health
2. Chapter 2: Managing Budgets and Expenses
   1. Pointing Out Some Retirement Worries You May Have
   2. Spending Your Nest Egg
   3. How Spending Really Changes in Retirement
   4. Managing Your Expenses
3. Chapter 3: Guiding Investments and Distributions in Retirement
   1. Guiding Your Investments through Retirement
   2. Looking Closer at Annuities
   3. Choosing Your Pension Options
   4. Eyeing Withdrawal Strategies for Your Investment Accounts
4. Chapter 4: Making Your Best Choices under Social Security
   1. The Lowdown on Social Security
   2. Determining When You’re Eligible for Benefits
   3. Taking a Closer Look at Spouses’ and Survivor Benefits
   4. Identifying When You May Need to Receive Benefits
   5. Noting How Working Reduces Benefits
   6. Preserving Your Benefits
   7. Being Aware of Potential Income Taxes on Your Benefits
   8. Changing Your Mind: A Do-Over
   9. Looking at What the Future Holds for Social Security