The Road to Wealth Revised

The Road to Wealth Revised

by Suze Orman

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Overview

The Road to Wealth Revised by Suze Orman

The Road to Wealth is Suze Orman's most authoritative and accessible resource for every stage of your financial life.

Millions of readers have embraced Suze Orman's New York Times bestselling The Road to Wealth since it was originally published in 2001. But the world has changed vastly since then, and it's more important than ever for readers to have access to accurate and practical answers to every question they have about their financial futures-questions Suze answers in The Road to Wealth. Compassionate, straightforward, and easy to understand, this updated edition gives readers invaluable advice about:

· Credit cards and the new bankruptcy laws 
· FICO scores 
· Changes in student financial aid 
· Changes in the real estate market and mortgages 
· Stocks and bonds 
· The latest retirement investment strategies, including the new Roth 401(k) 
· Mutual funds and annuities 
· Wills and trusts 
· Social Security 
· Life insurance 
· Disability and long-term care insurance
· Identity theft (and what to do if you're a victim of it)

Product Details

ISBN-13: 9781594484582
Publisher: Penguin Publishing Group
Publication date: 04/06/2010
Pages: 608
Sales rank: 224,277
Product dimensions: 7.30(w) x 9.20(h) x 1.50(d)
Age Range: 18 Years

About the Author

Suze Orman is a two-time Emmy Award–winning television host, #1 New York Times bestselling author, magazine and online columnist, writer/producer, and one of the top motivational speakers in the world today. Orman has written nine consecutive New York Times bestsellers and has written, co-produced, and hosted seven PBS specials based on her books. She is the seven-time Gracie Award–winning host of The Suze Orman Show, which airs on CNBC. She is also a contributing editor to O: The Oprah Magazine. Twice named one of the “Time 100,” Time magazine’s list of the world’s most influential people, and named by Forbes as one of the 100 most powerful women, Orman was the recipient of the National Equality Award from the Human Rights Campaign. In 2009 she received an honorary doctor of humane letters degree from the University of Illinois at Urbana-Champaign and in 2010 she received an honorary doctor of commercial science from Bentley University. Orman, a Certified Financial Planner™ professional, directed the Suze Orman Financial Group from 1987 to 1997, served as Vice President—Investments for Prudential Bache Securities from 1983 to 1987, and was an account executive at Merrill Lynch from 1980 to 1983. Prior to that, she worked as a waitress at the Buttercup Bakery in Berkeley, California, from 1973 to 1980.

Table of Contents

The Road To Wealth, Contents

Contents

ACKNOWLEDGMENTS, ix
INTRODUCTION, xi

1. MANAGING DEBT, 1
2. FINANCIAL INTIMACY, 65
3. HOME OWNERSHIP, 129
4. INSURANCE, 187
5. PAYING FOR COLLEGE, 251
6. RETIREMENT PLANNING, 271
7. STOCKS, 335
8. MUTUAL FUNDS, 383
9. BONDS AND BOND FUNDS, 419
10.ANNUITIES, 455
11.WILLS AND TRUSTS, 481

E-NEWSLETTER SUBSCRIPTION INFORMATION, 543
INDEX, 545

Introduction

When it comes to money, I deeply believe that the obstacles that keep us from having more and being more are rooted in the emotional, psychological, and spiritual conditions that have shaped our thoughts: In other words, what we have begins with what we think. This is the cornerstone of my approach to personal finance, and it was with this understanding that I wrote The 9 Steps to Financial Freedom and The Courage to Be Rich. I deeply believe that with self-knowledge and emotional clarity, a life of abundance is within reach for all of us.

But once we have looked within and changed our way of thinking about money, another obstacle emerges-one that can keep us from taking the steps we know we should take. That obstacle is confusion. Many of us are confused about where to turn for information we can really rely on. We are confused about whom to ask for financial advice, and maybe even about what questions to ask. When we do get answers to our questions, we are confused because we can't be sure those answers are correct. In the face of all this, it may seem safer not to do anything with our money than to do something we do not entirely understand. But when we postpone necessary financial decisions, we are relinquishing opportunities to protect what we've earned and to enrich our future choices. Good financial information gives us the power to act in our own best interests. That's why I have written The Road to Wealth.

I've spent much of the past few years traveling around the country, holding seminars on financial topics, and listening as many, many people talked to me about their financial hopes and fears. "Tell me what I need to know," people often say to me. "Here is what you need to know," I answer. This phrase, here is what you need to know, captures the very spirit of The Road to Wealth. Here you will find answers to the questions you have been asking, as well as the questions you should be asking, delivered in the most complete, straightforward way I know. The questions and answers are intended to remove obstacles on your road to wealth. In a world of competing financial interests and sources of information, it's important for you to feel as if you have a guide whom you can truly trust. I am honored that you have chosen me to be your guide.

With this in mind, I have tried to provide sound, clear, comprehensive advice on a wide range of issues, which will take you through the course of your financial life. There is a logical sequence of information here, from creating a strong financial foundation to amassing assets and protecting them from common mistakes and periods of economic downturn. The chapters will see you through various life situations, beginning with freeing yourself from debt, for I believe that you cannot build a strong financial future on a base that is undermined by debt. The next chapters guide you through living together, marriage or life partnership, and the complicated process of buying a home for yourself and your family. It will help you to prepare for the future by choosing the right kind of insurance, saving for your children's education, investing knowledgeably both inside and outside retirement accounts, making savvy decisions about retirement income, and providing for the loved ones you will one day leave behind. I have chosen topics that, in my opinion, most affect your life, in both boon times and bad times. In doing so, I have written the practical counterpart to The 9 Steps and Courage-so that, with your head and your heart in agreement, you can take the necessary steps today so you arrive at your tomorrows happily and with all the wealth that is meant to be yours.

The Road to Wealth is a book designed to help you take action-wherever you are in your life, whatever your needs, and whatever the economic climate. To that end, your purchase of this book comes with a free subscription to the Suze Orman E-Newsletter-a bimonthly publication available online through my website, www.suzeorman.com (see page 543 for information on how to begin your subscription). The newsletter provides news, comprehensive resources, and timely counsel on all the topics covered in this book, but focuses on investing for the future. Among many other helpful tips, the newsletter will offer my current recommended asset allocation mix, a bimonthly stock market forecast, and ongoing analysis of proven investment strategies from trusted experts. As interest rates change, I'll make suggestions about refinancing your mortgage. If the laws change-as tax and bankruptcy laws are poised to do, as of the writing of this book-you will find my advice about the new legislation and its implications for your finances. The Road to Wealth will provide you with the paving stones for your financial future, while the newsletter will offer amplification of that information. In that way, this is truly an interactive financial book.

Money is not stagnant; it is ever-changing. It means different things to each of us at different points in our lives. I encourage you to skip around in this book-go directly to the topics that concern you most right now; later, you can move on to matters that are relevant to that moment. Keep this book close and consult it often. Browse through the Table of Contents and the Index. Use it as a second opinion, to make sure you are getting advice that is right for you. And always, always trust that, with the faith and confidence that knowledge brings, step by step you will get to where you want to go on your own road to wealth.

Suze Orman
New York, 2001

--From The Road to Wealth by Suze Orman. Copyright (c) 2001, Riverhead Books, a division of Penguin Putnam, Inc. All rights reserved.

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