100 Steps to Financial Independence by Hol, Inge Natalie -- Read -- Imperial Library of Trantor

Index

Title Page Copyright Page Contents Introduction PART 1: Before You Begin

Step 0: Commit to Your Journey Step 1: Discover Your “Why”: Define Your Financial Independence Vision Step 2: Discover Your “What”: The Eight Stages of Financial Independence Step 3: Visualize Your Dreams Step 4: Set Your Financial Objectives Step 5: Create Progress Trackers Step 6: Celebrate Your Victories Step 7: Organize Your Paperwork Step 8: Plan Your Money Allocation Strategy Checklist Part 1 Personal story: Liz

PART 2: Your Starting Point

Step 9: Track Your Expenses Step 10: List Your Debts Step 11: List Your Assets Step 12: Calculate Your Net Worth Step 13: Set a Net Worth Goal Checklist Part 2 Personal story: Ilse

PART 3: Your Expenses

Step 14: Categorize Your Expenses Step 15: Identify Your Fixed Expenses Step 16: Identify Your Variable Expenses Step 17: Identify Your Discretionary Expenses Step 18: Identify Your Savings Expenses Step 19: Calculate Your Cash Flow Step 20: Create Your Money Map Step 21: Beware Lifestyle Inflation Step 22: Start a Budget Step 23: Discuss Finances with Your Partner Step 24: Start a Weekly Money Moment Step 25: Translate Expenses into Time Costs Step 26: Limit One Expense Step 27: Set Up Your Bank Accounts Step 28: Start an Emergency Fund Step 29: Check Your Balances Daily Step 30: Pay Yourself First Step 31: Use the 50/20/30 Rule Step 32: Get One Month Ahead Step 33: Automate Your Payments Step 34: Make a Yearly Budget Step 35: Start a Monthly Finance Review Checklist Part 3 Personal story: Esther

PART 4: Your Debts

Step 36: Learn about Compound Interest Step 37: Stop Accumulating Debt Step 38: Credit Cards Step 39: Credit Scores Step 40: The Impact of Extra Debt Payments Step 41: Start Paying Off One Debt Step 42: Keep 50% of Any Extra Money Step 43: Become Debt-Free Step 44: Pay Off Your Mortgage Checklist Part 4 Personal story: Sue

PART 5: Your Savings

Step 45: Build a Three-Months-Expenses Fund Step 46: Start a Piggy Bank Step 47: On Inflation and Interest Rates Step 48: Your Savings Rate Step 49: Set Your Savings Goals Step 50: Save and Spend on YOU Checklist Part 5 Personal story: Jenny

PART 6: Your Income

Step 51: Multiple Income Streams Step 52: Income Stream 1: Earned Income Step 53: Income Stream 2: Profit Income Step 54: Income Stream 3: Interest Income Step 55: Income Stream 4: Capital Gains Step 56: Income Stream 5: Dividend Income Step 57: Income Stream 6: Royalties Step 58: Income Stream 7: Rental Income Step 59: Plan Your Income Checklist Part 6 Personal story: Kylie

PART 7: Your Retirement Plan

Step 60: An Introduction to Retirement Accounts Step 61: Social Security Benefits or State Pensions Step 62: Workplace Retirement Accounts Step 63: Private Retirement Accounts Step 64: Annuities Step 65: Make a Retirement Plan Checklist Part 7 Personal story: Esteban

PART 8: Investing

Step 66: Understanding Shares Step 67: To Invest or Not to Invest Step 68: Understanding Bonds Step 69: The Difference Between Stocks and Bonds Step 70: Investing by Handpicking Stocks Step 71: Investing in Mutual Funds Step 72: Investing in Index Funds / ETFs Step 73: Bull and Bear Markets Step 74: Dollar Cost Averaging Step 75: Rebalance Your Portfolio Step 76: Lifestyle Investment Strategy Step 77: Investing in Gold and Commodities Step 78: Investing in Real Estate Step 79: Investing through Crowdfunding Step 80: The 4% Rule Step 81: Sequence of Return Risk Checklist Part 8 Personal story: Carolina

PART 9: Your Financial Protection, Taxes, and Paperwork

Step 82: Life Insurance Step 83: Health Insurance Step 84: Disability Insurance Step 85: Homeowner and Renter’s Insurance Step 86: Car Insurance Step 87: Warranties and Service Contracts Step 88: Estate Planning Step 89: Protect Your Money Online Step 90: An Introduction to Taxes Step 91: Tax Planning Step 92: Digitize Your Documents Checklist Part 9 Personal story: Sophie

PART 10: How to Excel at Financial Independence

Step 93: Consider Hiring a Professional Step 94: Find a Coach Step 95: Set Aside Money for Your Children Step 96: Teach Your Children about Finances Step 97: Invest in Your Individual Capital Step 98: Give to Charity Step 99: Play the “What If” Game Step 100: Stick to Your Journey Checklist Part 10 Personal story: Patrick

Acknowledgments Appendix A: The 100 Steps in Action Appendix B: Discussion Points with Your Partner Appendix C: Glossary Appendix D: Recommended Reading List Endnotes Next Steps