MONEY Master the Game: 7 Simple Steps to Financial Freedom (98 page)

cash-balance plan for,
155

and
401
(k)s,
146
–48,
152
,
153
,
181

environment, investment,
385
–88

Epictetus,
37

equities,
322
–23,
329
–30,
473

Erdoes, Mary Callahan,
10
,
99
–100,
455
,
498

on asset allocation,
296
,
337
,
504

author’s interview with,
100
,
309
,
337
–38,
498
–504

on leadership,
501

on long-term investment,
504

on rebalancing,
361

on structured notes,
309
–10

Europe, economies in,
518
–20

Evans, Richard,
114

exchange-traded funds (ETFs),
322
–23

execution,
41
,
65
,
228
,
388
,
616

expectations,
334
,
387

expense ratio,
108
,
113

expenses, cutting,
253
–56

Extrabux,
256

extracellular matrix (ECM),
568

Faber, Marc,
523
–28,
523

Facebook,
270

failure to try,
271

Fama, Eugene,
98

Farrell, Charlie,
279

fate,
228
–29,
343

fear:

of being judged,
193

dealing with,
544
–45

of failure,
183
–84,
225
,
301

physical effects of,
196

of the unknown,
185
,
211

Federal Deposit Insurance Corporation (FDIC),
178
–79,
302
,
305

Federal Reserve,
354
,
481
,
524
,
535

Fee Checker,
145
,
148
,
151
–52,
181

Feeding America,
598
,
599

Feeney, Chuck,
72
–73,
595

fees,
87
,
104
,
236

of annuities,
168
–69,
308
,
434
,
439

compounding,
106
–9,
479

cost calculator,
111

in
401
(k)s,
111
,
114
,
141
,
142
,
143
–46,
148
,
151
–52,
181

on index funds,
112
,
165
,
278

of mutual funds,
105
–15,
119
,
121
,
141
,
180
,
273
,
278
,
479

nondeductible,
112

in pensions,
86

reducing,
273
–80

and risk/reward,
177
,
180

in structured notes,
310

Feldstein, Martin,
385

fiduciary,
126
–33

advice from,
126
,
286
,
319
,
338
,
362

brokers vs.,
126
–28,
137
,
180

Butcher vs. Dietitian,
127
–28,
180

and commissions,
447

criteria for,
132
–33,
135
–36,
480

finding,
126
–27,
132

independent,
336

and structured notes,
177
–78

fiduciary responsibility,
470

50 Cent,
54

fight-or-flight response,
570

financial advisors,
126
–27

financial blueprint,
233
–34

financial crashes,
46
–47,
350
,
440
–41,
488
–89,
493
,
514
–15,
524
;
see also
financial meltdown

financial dreams,
203
–29

absolute financial freedom,
211
,
223
–25,
257
–58

Dream Bucket,
207
,
340
–47

exact, realization of,
199
,
212
–15

figuring the price of,
224

financial freedom,
211
,
217
,
220
–22,
292

financial independence,
211
,
217
,
218
–20,
292

financial security,
211
,
212
–17,
292

financial vitality,
211
,
217
–18

levels of,
203

lifestyle,
209
–10

magic of,
206

and millionaires vs. billionaires,
208
–10

questions about,
206
–8

real price of,
209
–10

Three to Thrive,
211
–12,
225
–26

and your subconscious,
206

financial freedom,
5
–6,
30
,
70
,
83
,
211
,
217
,
220
–22,
249
,
263
,
292
,
364
,
600

absolute financial freedom,
211
,
223
–25,
257
–58

financial independence,
211
,
217
,
218
–20,
292

financial meltdown (2008–2009),
15
,
16
–17,
18
,
47
,
71
,
88
,
98
,
175
,
264
,
298
,
299
,
309
,
313
–14,
330
,
349
,
378
,
384
,
397

financial myths,
83
–91,
364
,
609

annuities,
165
–71

brokers,
121
–37

fees,
105
–15

401(k)s,
138
–56

lies we tell ourselves,
183
–99,
249

mutual funds,
92
–104

returns,
116
–20

risk/rewards,
172
–82

target-date funds,
157
–64

financial security,
211
,
212
–17,
292

emergency/protection fund,
216
–17,
302

income for,
215
–16,
407
–8

financial vitality,
211
,
217
–18