发现没有第二本 ：（

先把第一本看了吧。。。。。。。。。。。

thanks again!

抽空把smart women里面我觉得有用的部分整理了一下，贴这里好了，主要是给自己一个复习大纲

至于作者的态度，很多方面我很不同意，在如今的market下再看，很多看法已经很ridiculous了，充斥eye catching numbers that made no sense

比如：don't take a 30yr mortgage，再比如dont' delay buying a house等等

至于max out everything: security fund, 401k, IRA, than then dream fund，读者一定要自己取舍！！！

几个关于insurance/will/trust的东西反正我从前不知道，还是很有用的

Smart women finish rich

Step 5: Grandma’s three basket approach to financial security

Basket one: Security basket

1. 3-24 months of living expense saved in emergency fund in money market (checking) account


2. up-to-date will or living trust

living trust: if name self as trustee, and manage properly, can avoid court probate /large fees.

If > 1million, set up bypass or AB trust to avoid high tax

Remember to change names of all property to the trust – “replating”

3. Health insurance

4. Life insurance:

Term life: Employer’s life insurance usually is not portable/renewable – need to find one

Permanent life: “cash-value” insurance

5. Disability insurance:




1. Employer’s disability insurance usually taxable; need “gap policy”


2. Need to be portable and guaranteed renewable, etc


6. for people in the 60’s, consider long term care coverage

Basket two: Retirement basket

401(k)

Traditional vs. Roth IRA: in general, if > 10yr away from retirement, roth is better

1. invest for growth


2. take advantage of 401(k) match


3. do not borrow from retirement plan


4. consolidate accounts,


5. never put IRA/401(k) in the name of a trust or make beneficiary of the IRA a trust, otherwise spouse will lose ability to do IRA rollover, proceeds will be taxable


6. roll over 401(k) to IRA when change jobs

Basket Three: Dream basket

1. list 5 more important dreams


2. make specific, measurable and provable


3. immediate action in the next 48hours


4. whom will I share my dreams with?


5. what values does it help me accomplish?


6. what challenges will I face?


7. strategies to overcome anticipated challenges

1. Short term dreams (<=2yrs): liquidity: money market accounts, CDs, Treasury bills (state tax free)


2. Mid term dreams (2-5yrs): less liquidity, safety, more risk: Bonds: Treasury Notes (state tax free), Corporate Bonds (check out grade), Municipal Bonds(double tax free, good for people in very high tax brackets), Bond Fund


3. Long term dreams (3-10yrs): stock, 4-10 mutual fund, ETF (Exchange traded funds)


4. Really long term dreams (>10yrs): variable annuity (tax defer but pay annual insurance

whom will I share my dreams with?

作者书里怎么说的呢？想知道

主要是spouse，好友之类吧

我没仔细看

看到说至少要dream basket 占after tax income的 5%，那就是税前的7-8%

retirement basket 要pre tax 12%

security的还没算，按他的算法，各类保险就好几百了，应急资金也是好几百，一共最少也需要after tax income的 5-10%，

反正看起来特别多

一共pretax的1/4-1/3就没有了

我觉得真的是很多

存钱是好事，但是不代表需要无休止的存钱，或者无限乐观的看待投资

他的出发点很多是假定一个远高于inflation的return rate，而完全没有考虑过risk：i.e. 大萧条这样的事件

所以，攒钱就等于高回报的投资

可是很多人的投资只会marginally高于inflation或者根本都赶不上

要退休的钱那是没办法，非存不可，dream的priority有那么高么？作为dream basket，如果连通涨都赶不上还不如早点花掉

我这个人喜欢弄数字

看一下年薪15万的小家庭，

150k * 7.6% =11.4k to SS/MC 没话说

Max 401k 31k

Max 5k FSA

——————————税前收入还剩了102.6k

没仔细算，就剩了税后80k， 应该是已经计算了一些deduction的

Max 10k Roth IRA

剩了70k

OK这7万就是生活费了

这里面要养房子，养娃（要不然再多交税），养车

property tax, mortgage interest 能再拿一些tax回来，因为这个收入不会买太贵的房子，所以一个月200-300到头了

OK 计算一个月正好手头有6000刀。

粗略看房子上花3000吧，40来万的房子而已，除了少数特别便宜的地方，也就是普通人家，including installment, tax, insurance, utility

车子，tax, insurance, maintenance, gas, if not a car loan，就算俩车都已经付清了！

跟吃的加起来1000吧，很难更少到哪里去了。。。。。。

然后零花还剩2000，包括旅游，养娃，此外要存：应急资金和dream basket。。。。。。

且不谈一般人不会就真能4000打住了。。。

一个月4000的开销固定不变，所以6个月应急资金是24k，一个月1000也需要2年才存的上

还哪里有钱存什么dream 啊。。。。。。

所以结论，赚的多是王道，sigh

同感唉，说得那么容易

不过，我个人也是倾向dream priority高点，dream is a wish your heart make, 别的不能比

非常赞同