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About the Author
He is a past director of the National Association for Fixed Annuities, the Financial Services Council of Australia, the Insurance Marketplace Standards Association, and the Life Insurance Marketing and Research Association. He has been a governance fellow of the National Association of Corporate Directors.
His U.S. business experience includes serving as President of Voya's U.S. Retail Annuity Business Group, where he directed the fixed, indexed and variable annuity businesses. He also spent over a decade with Fidelity & Guaranty Life Insurance Company where he served as Chief Executive Officer and President as well as holding key senior leadership roles for its parent companies USF&G Corporation, Travelers Corporation and Old Mutual U.S. Holdings, Inc. He has also been a corporate officer or Board member of several insurance marketing organizations. He began his career in public accounting with KPMG where he spent 10 years working primarily with multi-national enterprises.
Mr. Stout's experience includes serving as Managing Director of Investments and Insurance with Australian and New Zealand Bank (ANZ), where he was based in Sydney and ran the Australian life insurance, investment, retirement services, general insurance and advice businesses for this large regional Australasian bank. During his time in Australia, he was also Managing Director and Chief Executive Officer of ING Australia.
Harry is a nationally known speaker, podcast guest and author covering annuities, life insurance and personal finance.
Table of Contents
Please Read Before You Proceed 1
Introduction and How To Use This Guide 3
Chapter 1 Getting Started - Your Journey to Savings 7
The Impact of the Pandemic on Savings 7
What Are Your Personal Financial Values? 8
Sample Questions to Ask Yourself About Money 9
Chapter 2 Areas for Savings 13
Big Purchases 13
College Funding 26
Coupons and Discount Platforms 30
Credit Cards 38
Credit Scores 40
Energy Consumption 48
Housing and Related Costs 86
Income Taxes 95
Savings Accounts 108
Side Gigs 109
Spending Habits 112
Zoom Town Moving Costs 147
Chapter 3 Final Thoughts - Looking for Cost Savings 150
About the Author 152