A Woman of
Independent Means

Contents


Introduction
5
Life Cycle Planning
8
 
Part I: Woman, Know Thyself
13
1: The Importance of Money
17
2: Seven Steps To Financial Well-Being
38
3: Women & Money
58
 
Part II: Telesis
71
4: Establish a Spending Plan
77
5: Establish an Emergency Fund
91
6: Cash Management
97
7: Putting a Roof Over Your Head
106
8: Establish Your Credit Identity
126
9: Establish a Pay-Yourself-First Investment Plan
143
10: Risk Management:  Your Income & Your Life
168
11: Taxes, Taxes, Taxes
192
12: Wills & Powers of Attorney
199
13: Building Financial Relationships
211
 
Part III: Adapting Your Plan As Your Life Changes
215
14: When You Partner
217
15: When You Have a Baby
236
16: As You Approach Retirement
253
17: When You Retire
269
 
Part IV: Just In Case
283
18: Just In Case You Become The Sole Breadwinner
286
19: Just In Case You Divorce
294
20: Just In Case You Are Widowed
312
21: Just In Case You Inherit
324
22: Just In Case You Lose Your Job
330
23: Just In Case You Have To Relocate
340
24: Just In Case You Have To Move Back Home
347
25: Just In Case Your Kids Move Home
350
26: Just In Case You Must Care For Your Aging Parents
353
27: Just In Case You Become Disabled
368
 
Conclusion
378