Also by Elizabeth Warren and Amelia Warren Tyagi The Two-Income Trap: Why Middle-Class Parents Are Going Broke The names and identifying characteristics of certain individuals referenced in this publication have been changed. This publication contains the opinions and ideas of its authors. It is sold with the understanding that neither the author nor the publisher is engaged in rendering legal, tax, investment, insurance, financial, accounting, or other professional advice or services. If the reader requires such advice or services, a competent professional should be consulted. Relevant laws vary from state to state. The strategies outlined in this book may not be suitable for every individual, and are not guaranteed or warranted to produce any particular results. No warranty is made with respect to the accuracy or completeness of the information contained herein, and both the authors and publisher specifically disclaim any responsibility for any liability, loss or risk, personal or otherwise, which is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this book. FREE PRESS A Division of Simon & Schuster, Inc. 1230 Avenue of the Americas New York, NY 10020 Copyright © 2005 by Elizabeth Warren and Amelia Warren Tyagi All rights reserved, including the right of reproduction in whole or in part in any form. FREE PRESS and colophon are trademarks of Simon & Schuster, Inc. Designed by Katy Riegel Library of Congress Cataloging-in-Publication Data is available. ISBN-13: 978-0-7432-7974-1 ISBN-10: 0-7432-7974-3 Visit us on the World Wide Web: http://www.SimonSays.com It is time to stop worrying and start living. Contents Getting Started: The Truth About Money Part One: 6 Steps to a Lifetime of Riches 1 Step One: Count All Your Worth 2 Step Two: Escape from the Thinking Traps 3 Step Three: Count the Dollars, Not the Pennies 4 Step Four: If You Can’t Afford Fun, You Can’t Afford Your Life 5 Step Five: To Build Your Future, Pay Off Your Past 6 Step Six: Build Your Dreams a Little at a Time Part Two: Powerful Tools 7 Love and Money: Having It All 8 The Big Buy: Purchasing the Home That Is Right for You 9 Financial CPR: Protect Yourself When Things Get Tough The Last Word: It’s Not About Money Acknowledgments