Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life


Book Description

Leaving full-time employment to enter retirement often requires a 180-degree change––in mindset and behavior––from the way you managed your time and money previously. This is especially true for Baby Boomers who may have never experienced adult life without a full-time job and have been practicing the same habits since their 20s. These life transitions can be looked at as if they require “flipping a switch.” Some changes happen suddenly like an on/off switch, while others happen over time like a “dimmer switch”. Some “switches” are voluntary like spending accumulated savings, while some are mandatory like taking required minimum distributions starting at age 72. And to make matters more confusing, there are also lifestyle and social changes to consider as well. Flipping a Switch discusses 35 financial, lifestyle, and social transitions you’ll encounter upon entering retirement, including: • Full-time work to new pastimes • Saving money to spending money • Receiving a paycheck to creating a “paycheck” • Funding retirement savings plans to taking required minimum distribution withdrawals • Accumulating possessions to downsizing Everyone has unique “switches” to flip. Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life offers important information and guidance new retirees need before undertaking their new life. Each chapter includes a “How to Flip This Switch” section with suggested action steps. Nationally known speaker, author, and Certified Financial Planner® Dr. Barbara O’Neill will help you develop a plan to become your best future self.




Flipping the Switch...


Book Description

In his bestselling book QBQ! The Question Behind the Question, John G. Miller revealed how personal accountability helps to create opportunity, overcome obstacles, and achieve goals by eliminating blame, complaining, and procrastination. The result? Stronger organizations, more dynamic teams, and healthier relationships. Now Miller takes readers to the next level to show how they can use the power of the QBQ! and personal accountability every day. When a light switch is flipped the flow of energy that is released reaches the lightbulb in an instant, bringing it to life. Similarly, asking the right kind of question-a QBQ-is the first step to empowering what Miller calls the Advantage Principles-five essential practices that will lead to a richer experience in every aspect of life: - LEARNING: live an engaged and energized life through positive personal growth and change - OWNERSHIP: attain goals by becoming a solution-oriented person who solves problems - CREATIVITY: find new ways to achieve by succeeding "within the box" - SERVICE: build a legacy by helping others succeed - TRUST: develop deep and rewarding relationships With compelling real-life stories and keen insights, Miller demonstrates how anyone can find success and satisfaction by "flipping the switch."




Whole Heart Finances


Book Description

Transform your relationship with money from one of fear and dread to trust and joy with the biblical step-by-step system in Whole Heart Finances. Enjoy getting a practical, easy-to-use model for saving, spending, and managing your money. Author and professor Dr. Shane Enete will lead you through the proven steps to: Invite Jesus into your financial lifeCreate a budget that actually worksRaise your credit score and eliminate debtAchieve your goals for giving, saving, and investingWho Is Whole Heart Finances For? Whole Heart Finances will show you that your finances can be an opportunity for deep, responsive worship as you consider the abundant generosity of Jesus in your life. Whether you've just opened your first checking account or are in retirement, it's never too early or too late to get on the right track with money. Perhaps you consider money and faith to be separate, the two only crossing paths when/if you tithe. We all have blind spots with our finances--whether it's debt, not spending, or overspending--and it's never too late to course-correct. How Do I Use Whole Heart Finances? What if you could live your life with a generous mindset, peace about your budget and goals, and confidence about financial habits? Do you find yourself exhausted and stressed from out-of-control spending, growing debt, or the constant need to manage your finances? You're not alone. Americans consistently list money as their number one source of anxiety. Dr. Shane Enete offers a refreshing approach to financial management and guides you through: Practical tools to tackle debt, build financial resilience, and spend with your whole heart3 keys to Christian stewardship and a quiz to uncover your "money personality" (value seeker, big spender, non-spender, or experiencer)8 "giving systems" to make your generosity more effective (and exciting!)And much more!Whether you read this book alone, with your small group, on a weekly basis, daily for a month, or once every year, Whole Heart Finances will help you meet important goals for saving, knocking out debt, and generosity that can happen if you take action with these easy practical steps. Key Features of Whole Heart Finances: A Practical Guide to Jesus-Centered Money Management Biblical Unlike other financial guides that start with worldly wisdom and sprinkle in biblical references, Whole Heart Finances provides an easy step-by-step process rooted in Christ. Transform your relationship with money alongside a rich view of your identity in Christ.Practical and Step-by-Step Enjoy simple frameworks to reset your finances to align with your faith. With a complete checklist of 15 steps to tackle debt, build a future, and set up a giving plan, you'll have everything you need to take control of your finances.Easy-to-Understand Say goodbye to complicated terminology and confusing money models. Whole Heart Finances makes it easy to grasp essential financial concepts and apply them to your life.Flexible Whether you're reading alone, with your spouse, or with a church or small group, Whole Heart Finances offers flexible ways to apply its wealth of knowledge.Whole Heart Finances Answers Common Questions Discover how bringing your whole heart to Jesus in financial decision-making can lead to deep, responsive worship. Say goodbye to financial anxiety and embrace a life rich with generosity and solid financial habits. The principles presented in this book will help you answer the following questions and more: How can getting out of debt and tracking my expenses help grow my relationship with Jesus?What does the Bible say about debt (besides that it's bad) and what can I do about it?What is a credit score and why does God care?How can I use the tools of saving and investing to maximize generous giving?Stop letting money be the master of your emotions, choices, and life--take control of your finances with Whole Heart Finances and experience what happens when Jesus comes first and you "lack no good thing." Perfect for church classes, small groups, and personal use.




This is the Year I Put My Financial Life in Order


Book Description

A New York Times correspondent shares his financial successes and mishaps, offering an everyman's guide to straightening out your money once and for all. Money management is one of our most practical survival skills—and also one we've convinced ourselves we're either born with or not. In reality, financial planning can be learned, like anything else. Part financial memoir and part research-based guide to attaining lifelong security, This Is the Year I Put My Financial Life in Order is the book that everyone who has never wanted to read a preachy financial guide has been waiting for. John Schwartz and his wife, Jeanne, are pre-retirement workers of an economic class well above the poverty line, but well below the one percent. Sharing his own alternately harrowing and hilarious stories—from his brush with financial ruin and bankruptcy in his thirties to his short-lived budgeted diet of cafeteria french fries and gravy—John will walk you through his own journey to financial literacy, which he admittedly started a bit late. He covers everything from investments to retirement and insurance to wills (at fifty-eight, he didn't have one!), medical directives and more. Whether you're a college grad wanting to start out on the right foot or you're approaching retirement age and still wondering what a 401(K) is, This Is the Year I Put My Financial Life in Order will help you become your own best financial adviser.




The Coffeehouse Investor


Book Description

In 1998, after thirteen years of providing investment advice for Smith Barney, Bill Schultheis wrote a simple book for people who felt overwhelmed by the stock market. He had discovered that when you simplify your investment decisions, you end up getting better returns. As a bonus, you gain more time for family, friends, and other pursuits. The Coffeehouse Investor explains why we should stop thinking about top-rated stocks and mutual funds, shifts in interest rates, and predictions for the economy. Stop trying to beat the stock market average, which few “experts” ever do. Instead, just remember three simple principles: Don’t put all your eggs in one basket. There’s no such thing as a free lunch. And save for a rainy day. By focusing more on your passions and creativity and less on the daily ups and downs, you will actually build more wealth—and improve the quality of your life at the same time.




The Heart of Money


Book Description

Money issues have long been the number one cause of relationship disharmony and divorce, yet when it comes to identifying and changing unhealthy money patterns and behaviors, many couples feel helpless. Money coach Deborah Price has taught thousands of people how to work together to resolve money conflicts and create a financially empowered future. In these pages, she presents strategies and tools for creating financial intimacy while learning to communicate about money issues calmly and reflectively, rather than reactively. With inspirational stories and practical techniques and exercises, this book will help you and your partner: * learn the language of financial intimacy and talk about money in a healthy and empowering way * recognize and change unhealthy money patterns * identify which of the eight money types apply to each of you and understand the impact they have on your life, your relationship, and your finances * build a mutual sense of financial security and confidence * work through setbacks and challenges to make your relationship stronger than ever before




From Strength to Strength


Book Description

The roadmap for finding purpose, meaning, and success as we age, from bestselling author, Harvard professor, and the Atlantic's happiness columnist Arthur Brooks. Many of us assume that the more successful we are, the less susceptible we become to the sense of professional and social irrelevance that often accompanies aging. But the truth is, the greater our achievements and our attachment to them, the more we notice our decline, and the more painful it is when it occurs. What can we do, starting now, to make our older years a time of happiness, purpose, and yes, success? At the height of his career at the age of 50, Arthur Brooks embarked on a seven-year journey to discover how to transform his future from one of disappointment over waning abilities into an opportunity for progress. From Strength to Strength is the result, a practical roadmap for the rest of your life. Drawing on social science, philosophy, biography, theology, and eastern wisdom, as well as dozens of interviews with everyday men and women, Brooks shows us that true life success is well within our reach. By refocusing on certain priorities and habits that anyone can learn, such as deep wisdom, detachment from empty rewards, connection and service to others, and spiritual progress, we can set ourselves up for increased happiness. Read this book and you, too, can go from strength to strength.




Die with Zero


Book Description

"A startling new philosophy and practical guide to getting the most out of your money-and out of life-for those who value memorable experiences as much as their earnings"--




The Artist's Way


Book Description

"With its gentle affirmations, inspirational quotes, fill-in-the-blank lists and tasks — write yourself a thank-you letter, describe yourself at 80, for example — The Artist’s Way proposes an egalitarian view of creativity: Everyone’s got it."—The New York Times "Morning Pages have become a household name, a shorthand for unlocking your creative potential"—Vogue Over four million copies sold! Since its first publication, The Artist's Way phenomena has inspired the genius of Elizabeth Gilbert and millions of readers to embark on a creative journey and find a deeper connection to process and purpose. Julia Cameron's novel approach guides readers in uncovering problems areas and pressure points that may be restricting their creative flow and offers techniques to free up any areas where they might be stuck, opening up opportunities for self-growth and self-discovery. The program begins with Cameron’s most vital tools for creative recovery – The Morning Pages, a daily writing ritual of three pages of stream-of-conscious, and The Artist Date, a dedicated block of time to nurture your inner artist. From there, she shares hundreds of exercises, activities, and prompts to help readers thoroughly explore each chapter. She also offers guidance on starting a “Creative Cluster” of fellow artists who will support you in your creative endeavors. A revolutionary program for personal renewal, The Artist's Way will help get you back on track, rediscover your passions, and take the steps you need to change your life.




Get Good with Money


Book Description

NEW YORK TIMES, WALL STREET JOURNAL, AND USA TODAY BESTSELLER • A ten-step plan for finding peace, safety, and harmony with your money—no matter how big or small your goals and no matter how rocky the market might be—by the inspiring and savvy “Budgetnista.” “No matter where you stand in your money journey, Get Good with Money has a lesson or two for you!”—Erin Lowry, bestselling author of the Broke Millennial series Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her ten-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide save and pay off millions in debt, and begin planning for a richer life. Revealing this practical ten-step process for the first time in its entirety, Get Good with Money introduces the powerful concept of building wealth through financial wholeness: a realistic, achievable, and energizing alternative to get-rich-quick and over-complicated money management systems. With helpful checklists, worksheets, a tool kit of resources, and advanced advice from experts who Tiffany herself relies on (her “Budgetnista Boosters”), Get Good with Money gets crystal clear on the short-term actions that lead to long-term goals, including: • A simple technique to determine your baseline or “noodle budget,” examine and systemize your expenses, and lay out a plan that allows you to say yes to your dreams. • An assessment tool that helps you understand whether you have a “don't make enough” problem or a “spend too much” issue—as well as ways to fix both. • Best practices for saving for a rainy day (aka job loss), a big-ticket item (a house, a trip, a car), and money that can be invested for your future. • Detailed advice and action steps for taking charge of your credit score, maximizing bill-paying automation, savings and investing, and calculating your life, disability, and property insurance needs. • Ways to protect your beneficiaries' future, and ensure that your financial wishes will stand the test of time. An invaluable guide to cultivating good financial habits and making your money work for you, Get Good with Money will help you build a solid foundation for your life (and legacy) that’s rich in every way.