- AAA bonds, rating (usage)
- Accumulation
- impact
- phase
- Adjustable rate mortgages
- fixed-rate mortgages, contrast
- resource guide
- resource guide
- After-tax assets, ratio
- After-tax basis
- usage
- After-tax cost, return
- After-tax interest expense
- Aggressive bucket
- Aggressive investment
- assets
- problems
- Amortization
- agreement
- definition
- period
- problem
- 30-year amortization, usage
- Amortizing mortgage, impact
- Annual income
- assumptiont
- net worth, comparison
- Anti-debt hysteria
- Apple, amortization agreement
- Asset allocation
- definition
- framework, perspectivet
- model
- Asset classes
- correlation
- decrease
- definition
- Assets
- accumulation
- base
- building
- increase, impact
- problems, ranking
- protection strategies
- value
- future
- independence
- Atwood, Margaret
- Balance sheets
- age 35 level
- age 40 level
- approximation
- definition
- examplet
- information (khanacademy.org)
- introduction (khanacademy.org)
- leverage examplet
- Bankruptcy
- declaration
- Barclays Aggregate U.S. bond indices, constancy
- Beethoven, Ludwig van
- Behavioral economics, importance
- Benchmark interest rate indexes
- Big life changes
- bucket, filling
- Blank balanced path worksheet
- Blank equilibrium worksheet
- Fibonacci sequence
- Bloodhound (personality trait)
- Bonds
- prices, interest rates (relationship)
- resource guide
- stocks, contrast (resource guide)
- Borrowing costs, impact
- Borrowing, examination
- Brinson, Gary
- Budget, control
- Budgeting
- Bull market run
- Buying, renting (contrast)
- Calculators, resource guide
- Capital gains, definition
- Capital structure, definition
- Car loans
- cost/amortization period
- payment
- Car payments, exclusion
- Cash
- increase
- insurance form
- negative spread
- requirement 401(k) borrowing
- savings, increase
- usage
- Cash flow, availability
- Cash reserve
- building
- checking
- goal
- growth
- Checking account
- cash, increase
- cash reserve, building
- savings accounts, separation
- zero balance
- Chief financial officer (CFO)
- Children
- college savings, relationship
- savings accounts, consideration
- savings expenses, absence
- Closing costs
- College education expenses, source
- College graduates, income survey
- College savings, children (relationship)
- Commodities, definition
- Companies
- balance
- company-sponsored retirement plan, usage
- glide path
- stocks, purchase (resource guide)
- Compounding
- impact
- importance
- lessons
- long-term power
- power
- Compounding interest, power
- Compound interest, resource guide
- Conservative investment assets
- Consumer Financial Protection Bureau
- debt-to-income ratio usage recommendation
- Consumer Financial Protection Bureau, private student lender experiences
- Contractual obligations, current value
- Core bucket
- Corporate debt, traditional mortgages (contrast)
- Correlation
- definition
- negative correlation, definition
- positive correlation, definition
- Covey, Steven
- Credit
- monitoring service, usage
- securities-based line, cost
- Credit card
- balances
- companies, teaser rates
- debt, elimination
- Credit score
- resource guide
- Crick, Francis
- Currencies, values (decrease)
- Da Vinci Code, The
- Da Vinci, Leonardo
- Deaton, Angus
- Debt
- absence
- after-tax cost
- definition
- returns
- spread, capture
- amortization
- anxiety/stress/pressure
- collection complaints, Federal Trade Commission data
- concentration
- consolidation programs, consideration
- cost, impact
- debt-based blank freedom phase worksheet
- debt-based blank freedom worksheet
- debt-to-asset ratio, definition
- debt-to-income ratios
- considerations
- usage, Consumer Financial Protection Bureau recommendation
- definition
- differencest
- equivalence, absence
- freedom
- glide path
- ground rules
- hypothetical value, questions
- impact
- investment philosophy component
- math
- millennial’s guide
- permanent debt
- power, leveraging
- principal payment
- problem
- recommendations
- reduction
- strategic debt philosophy
- strategies
- student debt
- success probability, summary table
- taking on, avoidance
- tool
- usage
- value
- cost, impact
- proof
- Debt Hypothesis
- Debt payment
- ability
- de-prioritization
- prioritization
- Debt ratios
- calculation
- change
- definition
- reduction
- asset, increase (impact)
- usage
- Debt service coverage ratios (DSCRs)
- Debt-to-asset ratio
- Depreciation
- cost
- Developed markets, definition
- Distribution rates
- variations
- Diversification
- definition
- risk/return, relationship
- Down payment, generation (assumption)
- Downsizing, ability
- Dual-income household
- Economic environment, interest rates (impact)
- Economic history, impact
- Edison, Thomas
- Efficient frontier, example
- Einstein, Albert
- Emerging markets, definition
- Employer matching
- absence
- importance
- Employer-sponsored plans, usage
- Employer-sponsored retirement plans, millennial contributions
- Endogenous shock, example
- Enriching debt
- definition
- Equilibrium (L.I.F.E. phase)
- application
- blank equilibrium worksheet
- definition
- midpoint
- near equilibrium, examplet
- net worth
- recordation, example
- worksheet (age 67)
- Equity
- diversified portfolio, investment
- information (khanacademy.org)
- Equity, definition
- Events, impact
- Exchange-traded funds (ETFs)
- definition
- resource guide
- Exogenous event
- Exogenous shock
- Federal Trade Commission, debt collection complaints
- Fibonacci ratios, examples
- Fibonacci sequence
- application
- blank balanced path worksheet
- blank equilibrium worksheet
- blank phaset
- debt-based blank freedom phase worksheet
- equilibrium midpoint
- representation
- savings rates
- Fifteen-year fixed rate
- Financial crisis
- Financial life, events
- Financial security/flexibility, increase
- Financing
- considerations
- definition
- First-time home buyers
- Fiscal policy discipline, absence
- 529 college savings program
- Five-year interest-only ARM
- Fixed rate mortgages
- Fixed-rate mortgages, adjustable rate mortgages (contrast)
- resource guide
- Foreign bonds, purchase
- 401(k)
- borrowing
- contribution
- definition
- resource guide
- saving
- savings, reduction
- Four-phased glide path, creation
- Franklin, Benjamin
- Freedom (L.I.F.E. phase)
- application
- balance sheet, example
- base unit, income usage
- blank balanced path worksheet
- case study
- children, consideration
- children’s savings accounts, consideration
- debt-based blank freedom worksheet
- definition
- duration
- example
- frequently asked questions
- home ownership, absence
- home purchase, balance sheet (example)
- net worth
- phase 3 worksheet
- student debt, impact
- Future income/savings rate/rate of return, knowledge (absence)
- Future tax obligations, current value
- Future value calculator, resource guide
- Gandhi, Mahatma
- Glide path See also Launch Independence Freedom Equilibrium
- advice, requirement
- core tenets
- debt glide path
- definition
- discovery
- finance
- four-phased glide path, creation
- math
- power
- preferences/reality
- student debt, exclusion
- Goals
- establishment
- prioritization
- God’s ratio
- Golden ratio
- Gross annual pretax household income, recordation
- Gross annual pretax income
- annual income, relationship
- Gross pretax annual income
- recordation
- Higher income, savings (increase)
- High-risk strategies
- High-yield bonds
- definition
- Historical data series, repetition
- Historic data, usage
- Holistic philosophy
- Home equity line of credit (HELOC), power
- Homeownership
- advantages
- math
- problems
- risk, avoidance
- Homeownership, examination
- Homeownership, risk
- Home purchase
- balance sheet, examples
- care
- deceleration
- dual income, example
- example
- expenses
- financing considerations
- problems
- Homes
- affordability
- resource guide
- blank balanced path worksheet
- closing costs
- depreciation/maintenance
- moving, costs
- ownership, absence (example)
- ownership, decisions
- price appreciation, perception
- property taxes
- renting preference, exceptions
- rent/purchase decision
- selling costs
- upfront transaction costs
- value, future
- Household balance sheets, liability
- Household incomes, money arguments (frequency)
- Housing, resource guide
- Hyperinflation, resource guide
- Income
- level, increase
- replacement
- statement, leverage example
- stream, personal loss (possibility)
- Income-based formula, usage
- Independence (L.I.F.E. phase)
- application
- balance
- definition
- dual income
- glide path
- house purchase
- balance sheet
- dual income, example
- example
- houses
- absence
- blank balanced path worksheet
- ownership
- net worth
- Individual retirement accounts (IRAs)
- resource guide
- Inflation
- absence
- defining, resource guide
- definition
- inflation-adjusted goals, examination
- moderation, resource guide
- outperformance
- overview
- rates, knowledge (absence)
- resource guide
- return, investment rate
- return rate
- Inheritance
- Interest
- compounding, power
- interest-only mortgage, definition
- money waste
- simple interest
- Interest-only adjustable-rate mortgages
- Interest-only mortgages
- Interest rates
- debt service coverage ratios, impact
- decrease
- definition
- environment
- function
- future, knowledge (absence)
- generational lows
- impact
- increase
- low level
- ranking
- resource guide
- Investing, saving (difference)
- Investments
- aggressive investment, problems
- assets
- bucket categorization
- examination
- concepts
- math, usage
- philosophy
- debt, integration
- long-term returns
- policy
- portfolio
- consideration
- returns
- resource guide
- returns, impact
- risk/return trade-off
- rolling 10-year data points
- values
- vehicles, resource guide
- Kundera, Milan
- Launch (L.I.F.E. phase)
- action steps
- application
- balance
- blank phase
- definition
- instructions
- net worth
- questions
- Launch Independence Freedom Equilibrium (L.I.F.E.)
- balance
- case study
- glide path
- phases
- Leverage
- balance sheet
- definition
- factoring
- income statement
- Liabilities
- definition
- problem
- recordation
- Life changes. See also Big life changes
- account
- fund, establishment
- Line of credit, definition
- Liquidity
- definition
- discount
- insurance value, focus
- one-way liquidity trap (mortgages)
- power
- protection, renting (impact)
- trap
- valuation
- value
- Loan-to-value
- London Interbank Offered Rate (LIBOR)
- definition
- one-month LIBOR interest-only floating rate ARM
- rate
- Long-term average returns
- Long-term bonds
- definition
- Long-term capital gains
- Long-term foundation, building
- Long-term investments
- building
- Long-term wealth accumulation
- Low-down-payment mortgage
- example
- options
- Lower-interest-rate environments, impact
- Lower-volatility portfolio
- Maintenance
- Markowitz, Harry
- Material assets
- Math, usage
- Millennials
- employer-sponsored retirement plans, millennial contributions
- median income
- problems
- Miller, Merton
- Millionaire Next Door (Stanley)
- Modern Portfolio Theory
- definition
- example
- Modigliani, Franco
- Money
- borrowing ability
- household arguments, frequency
- investment
- time value, resource guide
- Money market
- definition
- rates
- Monthly income
- assumptions
- usage
- Mortgages
- after-tax cost
- alternative options
- definition
- equivalence, absence
- interest-only mortgages
- interest rates, resource guide
- interest tax deduction, definition
- introduction, resource guide
- one-way liquidity traps
- options
- payment, resource guide
- permanent debt
- rates, ranking
- resource guide
- savings rate, elimination
- securities-based lending, relationship
- tax deductibility, reduction (impact)
- Mother Nature, impact
- Municipal bonds
- definition
- Mutual funds, level
- Nadas
- assumptions
- example
- house payment
- illustrations
- Month 0, levels
- Month 142, levels
- Month 365 (age 65), levels
- retirement usage
- spending habits, change (absence)
- Natural disasters, impact
- Negative correlation, definition
- Negative spread
- Net worth
- annual income, relationship
- calculation process
- definition
- level, impact
- No-debt family, example
- No-debt path
- No-debt strategy
- No-down-payment mortgage options
- Nominal return, resource guide
- Null hypothesis
- One-month LIBOR interest-only floating rate ARM
- One-way liquidity traps
- Open-ended mutual funds, resource guide
- Opportunity cost
- definition
- Oppressive debt
- absence
- definition
- elimination
- examination
- reduction
- zero level
- value
- Ostrich (personality trait)
- Ownership. See Home ownership
- access, examples
- total cost
- Parent PLUS
- Partial advice, problem
- Paycheck-to-paycheck cycle, breaking
- Payday loan, definition
- Pay-down-debt path
- Permanent debt
- Phi, impact
- Portfolio
- diversification
- return
- stock and bond mix
- value
- Position size
- definition
- Positive correlation, definition
- Prepayment penalties, absence
- Preserve bucket, definition
- Principal
- amount
- definition
- locked-in portion
- Private amortized loans, usage
- Private Mortgage Insurance (PMI)
- Private student lenders (experiences), Consumer Financial Protection
- Bureau survey
- Private student loan
- family usage
- Probability event
- Property taxes
- Radicals
- age 105
- assumptions
- example
- illustrations
- investment
- values
- Month 0, level
- Month 360 (age 65), level
- mortgage interest payment
- retirement usage
- spending habits, change (absence)
- Real estate
- prices, levels
- values, reduction
- Real return, resource guide
- Rebalancing, definition
- Recessions
- occurrence
- severity
- Renting
- buying, contrast
- guidelines
- resource guide
- impact
- insurance form
- preference, exceptions
- Rent, money (waste)
- Rent-versus-buy math
- Residential real estate, inflation (relationship)
- Resource guide
- adjustable rate mortgages, resource guide
- Retirement
- approach
- debt-free status
- employer-sponsored retirement plans, millennial contributions
- expenses (coverage), after-tax basis (usage)
- issue
- level
- Nadas, usage
- plan, additions
- possibility
- probability, increase
- Radicals, usage
- redefining
- savings
- deemphasis
- Steadys, usages
- Retirement savings
- calculation
- direction
- increase
- introduction
- Return
- leverage, factoring
- reduction, debt (impact)
- risk/diversification, relationship
- Return rate
- definition
- probability
- Risk
- concept
- consideration
- definition
- high-risk strategies
- impact
- importance/impact
- increase, debt (impact)
- predictability level
- reduction, debt (impact)
- return/diversification, relationship
- standard deviation
- Risk/return
- equally weighted portfolio, usage
- trade-off
- Rolling 10-year data points
- Roth IRAs, resource guide
- Russell 3000 bond indices, constancy
- Savings
- ability
- car payments, exclusion
- focus
- future, focus
- increaset
- investing, difference
- power
- total level, determination
- Savings account
- cash, increase
- cash reserve
- checking account, separation
- Savings rate
- assumption
- control
- doubling
- elimination
- Fibonacci numbers
- impact
- summary
- Securities-based lending (SBLs)
- banking
- case study
- fee
- financing
- interest rates
- mortgages, relationship
- power, understanding
- prepayment penalties, absence
- principles
- selection, reasons
- Securities, definition
- Selling costs
- Seven Habits of Highly Effective People (Covey)
- 70/30 stock-and-bond portfolio
- Seven-year interest-only ARM
- Shiller price/earnings ratio
- Shiller, Robert
- Simple interest
- Single-income household
- Social Security
- dependence
- estimator, resource guide
- payment
- Speculative venture, shares
- Spread, capture
- definition
- Stagflation, resource guide
- Standard deviation, definition
- Standard & Poor's 500 (S&P500)
- beating
- Stanley, Thomas
- Start-up company, shares (usage)
- Steadys
- assumptions
- example
- illustration
- Month 0, level
- Month 360 (age 65), level
- mortgage payment
- retirement usage
- spending habits, change (absence)
- Stock markets
- crash
- valuation
- Stocks
- bonds, contrast (resource guide)
- rate, average
- resource guide
- Strategic debt
- embrace
- Strong-dollar periods
- Student debt
- absence
- after-tax interest expense
- equivalence, absence
- exclusion
- impact
- liquidity trap
- Student loans
- impact
- private student loan
- working debt, term (usage)
- Success, probability
- Target date funds (TDFs), definition
- Taxable savings, calculation
- Tax benefits, valuation
- Tax-deferred, term (definition)
- Taxes, reduction
- debt, impact
- Tax factor, impact
- Tech wreck, initiation
- Ten-year interest-only ARM
- Thirty-year fixed mortgage, usage
- Thirty-year fixed rate
- mortgages
- Time horizon
- Time, risk
- Time value of money, resource guide
- Total assets, components
- Total debt, components
- Total investment assets
- Traditional mortgages, corporate debt (contrast)
- TurboTax, usage
- Underwriting, limitations
- Unemployment, increase
- Upfront transaction costs
- U.S. assets, problems
- U.S. stock-and-bond portfolio
- Value (addition), debt (impact)
- Volatility, definition
- Weak-dollar periods
- Wealth
- accumulation. See also Long-term wealth accumulation.
- considerations
- building
- Wisdom, contestation
- Working debt
- definition
- term, usage
- Yield curve
..................Content has been hidden....................
You can't read the all page of ebook, please click
here login for view all page.