So you can grow older in comfort

Maybe you looked at that 50-30-20 formula, and you wanted to throw this book against a wall and shout, “I can’t do that!” If that’s how you’re feeling, then please listen very carefully. All Your Worth is a lifetime plan. It is about moving toward a better place, no matter where you start. It is about setting a clear goal while managing the ups and

When your money is in balance, you always have enough to pay your bills, have some fun, and save for your dreams.

That means you now have 20% of your income left for saving for tomorrow. And that is where the money to pay your debts will come from: the money for your Savings.

What if my employer contributes to a retirement plan or pension? Add the amount of your employer’s contribution in with your total income. (If the contributions are made once a year, just take the annual amount and divide by 12.) Technically, these contributions aren’t part of your take-home paycheck, but they build toward

Once you’ve created your Security Fund, you’ll be ready to move into Stage 4. This is the stage you’ll stay in for the rest of your working life. Because Stage 4 lasts for so long, it has more than one piece. The first piece is your retirement fund. The second piece is paying off your house. And the third piece is saving for your other dreams. Just

Enjoying your fun money is about giving yourself complete, 100% permission to relax. That permission can come from just one place: the utter confidence that you have enough.

Spending 50% of your income on Must-Haves is sustainable. It leaves you with plenty of money for the rest of your life. Enough for fun, and enough for the future—enough to last a lifetime.

WORKSHEET 2. YOUR MUST-HAVES