5 Main topics: I. Getting started 20s and 30s II. Prime time 40's and 50's III. Finish line IV. Retirement V. Action plan

Cash flow
401k
Debt
Roth IRA
Mortgage
Insurance
Annuities
College

Establishing an emergency savings while paying down debt
Contribution to employer's retirement plan
Establish an Ira
Save part of any windfall cash received
Don't cash out retirement plan if you change jobs

Keys to success: a few simple disciplines practiced everyday.
affirm the truth

Keys to failure: a few errors of judgement repeated everyday

Regardless of age, the longer your money is invested, the greater the chance it has to compound.

For every 10 years delay in saving for retirement, you will need to save three times as much each month to catch up.

If you invested $1,000 annually for retirement from age 20 through age 30, then stop,with an average rate of return of 7%, your savings will grow to $168,514 by 65.

If you wait until age 30 to invest $1,000 annually for 35 years at the same rate of return,you will contribute three times more to your account, but only have $147,913($20,601 less) by age 65*,

* The compounding concept is based on a hypothetical rate of return not intended to represent performance of any specific investment, which may fluctuate. No taxes are considered in the calculations.

Market timing is most often not the best approach to investing.

Setting goals.

Compare benefits if changing jobs.

Consider boosting mortgage payment for a mortgage - free retirement.

Review / establish estate planning.

Maintain current standard of living.

Start a new career or business.

Learn a new skill or hobby.

Purchase a 2nd home.

Relocate.

Travel and entertainment.

Facts about health, wealth and happiness.

Reduce expenses and invest the savings.

Get a second / better job to maximize retirement contributions.

Invest aggressively (not carelessly).

Retire, but work part time.

Review life and homeowners insurance.

Review retirement benefits you will receive from prior employers.

Determine social security benefits.

Make smart withdrawals.

Factor minimum withdrawals (70 1/2).

Factor effect of inflation on investments and withdrawals.

Transfer monthly "paycheck" from liquid savings to aid retirement transition.

Your investment may be reflecting these unsettled financial times.

Stock markets sometimes move dramatically.

Make sure your investments match your risk tolerance.

Take advantage of tools your 401k plan administrator may have to match your risk tolerance with investments available.

Top five things to do:

1. Schedule a full medical exam: health = wealth
2.Change your philosophy
3.Create a financial statement: assets - liabilities
4.Create a mission statement
5.Create a financial plan and follow it!

Men who manage men manage men who can only manage things , but men who manage their mind and money manage the world.

Create a financial wall around your family the no one can penetrate.

Change only comes when we change ourselves.