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Index
Cover
Contents
Title
Copyright
Dedication
Foreword
Acknowledgments
Introduction
Part 1: The Value of Debt in the Management of Wealth
Chapter 1: Strategic Debt Philosophy: An Overview
How This Book Can Add Value to Your Life
The Five Tenets (or Action Principles) of Strategic Debt Philosophy
Chapter 1: Summary and Checklist
Chapter 2: The Basic Idea: Limiting the Costs, the Impacts, and the Duration of Financial Distress
Risk of Financial Distress
The Direct and Indirect Costs of Financial Distress
The Impact of Financial Distress: Five Levels
The Duration of Financial Distress
The Four Indebted Strengths: A First Look
The One Thing You Must Consider!
Chapter 2: Summary and Checklist
Chapter 3: Strategic Debt Practices: An Overview
Understanding and Taking Advantage of Strategic Debt Philosophy
Achieving and Maintaining an Optimal Debt-to-Asset Ratio
Calculating Your Debt-to-Asset Ratio
Should Your Primary Residence Be Included in Your Debt Ratio?
When to Pay Down Your Debt, and When Not To
Advanced Practices and Scenarios
Chapter 3: Summary and Checklist
Part 2: The Assets-Based Loan Facility
Chapter 4: The Value of an Assets-Based Loan Facility (ABLF)
What an ABLF Is and How It Works
The Many Advantages of Having an ABLF in Place
Why Virtually Every Company Has a Line of Credit
Surviving Storms and Other Natural Disasters
The Criticality of Being Proactive and Assessing Risks
Family Finances: First Bank of Mom and Dad; Elder Care Bridge Loan
Taking Advantage of Opportunities and Distressed Sales
Average ABLF Usage and the Win-Win-Win Scenario
Chapter 4: Summary and Checklist
Part 3: Scenarios for Success
Chapter 5: Long-Term Wealth Amplification through Capturing the Spread
The Basic Concept: Inherent Risks with Great Potential Rewards
Three Key Factors to Consider
Some Scenarios for Capturing the Spread
Synching with Your Investment Strategy
Chapter 5: Summary and Checklist
Chapter 6: Holistic Financing of the Expensive Things You Need and Want
A Better Way to Buy: In the Company of Holistic Financial Thinkers
Four Principles When Financing the Purchase of a Desired Item
A Better Way to Purchase a Vehicle (or Almost Anything Else)
Purchasing a Second Home: Pluses and Minuses
100 Percent Financing: The No Down Payment Real Estate Purchase Option
Chapter 6: Summary and Checklist
Chapter 7: Generating Tax-Efficient Income in Retirement or Divorce
Introduction: Three Goals (and Some Disclaimers)
An Opening Scenario for No Taxes in Retirement
Borrowing Versus Selling to Access Your Money
A Better Alternative to a Familiar Story
Tying It Back to Capturing the Spread
Revisiting Tax Issues
Making Use of Strategic Debt Strategies and Practices in Divorce
Chapter 7: Summary and Checklist
Chapter 8: Conclusion: What This Book Is Really About
What We Hope You Have Taken Away
Strategic Debt as a Financial Engine over the Decades
Paradoxes of Plenty: Some Surprises in Maintaining an Ideal Debt Ratio
Investing in the Future: A Cautionary Reminder
A Final Thought
Chapter 8 Summary: A Recap of the Book’s Significant Lessons
Part 4: Appendixes
Appendix A: The Varieties of Debt
Appendix B: Strategic Debt Practice for the Young and Those with Limited Assets
Appendix C: No Guarantees: Limiting the Risks of Investing in a Crazy World
Appendix D: Some Examples of Ideal Debt Ratios
Glossary
Bibliography
About the Author
About the Companion Website
Index
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