Tabella dei contenuti
Introduction xi
The True Meaning of Sufficient Funds xii
The ATM slip and one all-time road trip xiv
Our journey to Sufficient Funds xviii
How this book works and why it’s important to you xxi
Fuck F.I.R.E. — why retirement is NOT the goal xxiv
1 Define — the missing step 1
The power of positive thinking for financial wellbeing 2
How to spend a billion dollars: find your purpose and stay on it 6
Three steps to setting bigger adventures (and how we get there with our clients) 11
Experiences or things — why can’t I have both? 19
It’s not meant to be easy — be prepared to work 22
2 Declutter — clearing the path 31
Clarity: attitude and focus 32
Build your financial launchpad 37
Dealing with debt 38
Debt disruption strategies: creative ways to pay off debt 40
Cruise Control: Your Spending Plan 46
FAQs 62
3 Develop — big plans, growth and mad momentum 67
The ‘mad stacks’ strategy: introducing the four stacks of Sufficient Funds 69
Goal- focused investment for the win! 80
Debunking the tax myth 83
Tax effectiveness — before you invest you need this 86
Investment — your third stack of Sufficient Funds 90
Superannuation — the fourth stack of Sufficient Funds 115
4 Defend — through life’s ups and downs 123
Using your emergency fund — remember it’s not your money! 125
Adding kids, not zeros 127
Drop everything 148
Pandemics 150
Protection 151
Did somebody say intergenerational wealth transfer? 158
5 Deliver — let it flow 161
Stay the course 162
Stay authentic 163
Find a Sufficient cause and make a difference that counts 166
Set up a regular donations plan 172
Keep motivated 173
Redefine Sufficient 176
Isn’t financial advice just for old people who already have mad stacks? 182
Think bigger: Beyond Sufficient 187
Got stuck? Reach out 191
Notes 193