Table of contents
  1. Introduction
  2. Set short-term and long-term goals
  3. Create a budget
  4. Build an emergency fund
  5. Pay off costly credit card debt
  6. Save for retirement
  7. Invest for retirement with a long-term focus
  8. Borrow smart


Creating a financially secure life can feel like a daunting task that requires the skills of expert mapmaker and GPS programmer. You need to figure out where you are today and where you want to get to. As if that's not a big enough lift, you're then in charge of finding the best route to get from here to there without veering off into costly detours.

Take a deep breath. Relax your shoulders.