Assets
Liabilities
Calculating Your Net Worth
Cash Flow of Poor Households
Cash Flow of Middle Class and Rich Households
Cash Flow of Wealthy Households
Saving Isn’t Enough
Good Debt
Bad Debt
Other People’s Money (OPM)
Other Peoples Time (OPT)
Being Rich vs. Wealthy
Getting Financial Advice
It’s Simple… But Not Easy
You Need a Plan
Work vs. Hobby
Small Business Job Owners
Summary

Chapter Two
Understanding Economic Cycles

Greed + Stupidity = Opportunity
Historical
Asset Bubbles
Skate to Where the Puck Is Going
Popular Economic Cycles
Linear Thought
Horribly Wrong Predictions
Demographic Spending Cycle
Tools For Following Economic Cycles
Leading Economic Indicators, Yield Curve, ISM, VIX
Reversion to the Mean
Cyclical vs. Lifecycle
Economic Cycle Chart Wall Art
Summary

Chapter Three
Understanding Demographics

Age and Consumer Earning
Age and Consumer Spending
Predictions Based on Demographics
The Consumer Spending Wave Demographics and Real Estate
The Demographic Investing Vacuum
Migration Trends
Demographic Groups
Greatest Generation
Silent Generation
Baby Boom Generation
Generation X
Millennial Generation
Demographics and Economic Forecasting
Entitlements
Predictions for the Year 2020
Predictions for Beyond 2023
Summary

II. Keep Your Wealth

Chapter Four
Government Re-Distribution and Your Wealth

Robbing Peter to Pay Paul – and You’re Peter
Inequality of Economic Outcome
Income Inequality Due to Education
Inequality of Work Effort
Inequality Spending
Inequality of Tax Paying
Labor Force Nonparticipation
The Voluntarily “Disabled”
Why It’s Called “Work”
Transfer (Welfare) Programs
Social Security – Intergenerational Debt Transfer
The Social Security Nest Egg Myth
The Alleged Poor
The Law of Effect – Incentives Matter
The Lost War on Poverty
America’s Return to Slavery – 2014
The Retiring Poor
Big Government
The “Jury Selected” Congress
The Social Tipping Point
The Voting Tipping Point
The Future
Solutions
Summary

Chapter Five
401-K – They’re Coming to Take It Away

IRA and 401(k) Accounts
401(k) – A Bad Choice for Building Wealth
The 401(k) Failure
The Roth IRA “Con”version
Nationalization of Your Retirement Plan
Foreign Bank Account Confiscation
Foreign Pension Fund Confiscation
Prior U.S. Federal Confiscations
Planning the IRA/401(k) Raid
Their IRA/401(k) Cap and Tax Plan
The Government’s Grand Plan – The GRA
The “myRA” gimmick
The U.S. Pension Confiscation
Confiscation will be Acceptable
Confiscation Will Be Legal
It’s Not Too Late
What’s your “retirement number?”
Summary

Chapter Six
The Coming U.S. Default

What Is Default?
Prior Foreign Defaults
Prior U.S. Federal Defaults
FDR 1933 Default
1971 Pres. Nixon Default
Prior Reserve Currency Defaults
U.S. Debt – The Cliff Notes
Inflation = Currency Devaluation = Default
Future Default
The [your name here] Economy
Summary

III. Enjoy Your Wealth

Chapter Seven
Lifestyle – You Have Choices

Wealth is Relative
Primitive Society Working Hours
Primitive Society Work Force Participation
Productivity in Primitive Societies
Your “Life Energy” and Work, “Time and Effort”
Earned IOU’s
The “Fulfillment Curve”
Financial Independence – Beyond the “Crossover Point”
Summary

Chapter Eight
Enjoying Your Wealth and Spending It All

Delayed Gratification
The 7 U.S. Presidents Who Died Broke
Die Broke Philosophy
Reverse Mortgages
Delayed Gratification
Your Life is a Hyphen
My Time Travel Perspective
The Plan to Really Spend It All
The “Converting Curve”
My “Converting Curve”
Spending Mode – Time & Magnitude
Responsibility
The “Converting Curve”
Don’t Stiff the Undertaker
My “Converting Curve”
Monte Carlo Simulation
Spending Mode – Time and Magnitude
Responsibility
Gifting
Safely Parking Your Wealth
T.I.P.S.
Index Funds
Investing in Stocks for the Really Long Run?
Blind Folded Monkey Stock Pickers
Last Will and Testament
Summary

Chapter Notes and References
Appendix I – 401(k) Plan Fee Menu
Appendix II – Actuarial Table
Appendix III – Famous Bubbles in History
Bibliography
Index