Wealthy Barber (87)

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This is a "classic" of financial planning. It's written like fiction, using narrative to convince you to take simple actions.

The specific actions he pushes:

• make a will

• buy term LifeInsurance

• invest 10% of your income for growth - this is not for retirement income, this is extra!

  • PayYourselfFirst (automate your cash flow)

  • put into equity actively-managed mutual funds

  • also OK to invest in RealEstate - buy rental home - but much messier/riskier

• retirement: invest however much it takes to plan on matching your after-tax income in retirement - ideally living off the income not the principal

• use appropriate tax-advantaged fund: IRA, Keogh, SEP, 401k

• buy your home

• minimize other debt (definitely avoid credit-card debt). If you get a windfall, use it to pay off non-deductible debt