Smart Money, Bright Future: Financial Basics for All Ages
Josef Malone
This audiobook is narrated by a digital voice.
Are you ready to take control of your financial future? "Smart Money, Bright Future" guides you through the essential steps to building financial literacy for all ages. Learn the fundamentals of budgeting, saving, and investing while discovering age-specific strategies that cater to your evolving needs. Whether you're a teenager starting to earn an allowance, a young adult navigating student loans, or a seasoned individual planning for retirement, this book provides practical advice and valuable insights. Explore essential topics such as understanding credit, building a retirement portfolio, and protecting your assets from scams. Empower yourself with the knowledge to make informed financial decisions, avoid common pitfalls, and set yourself on a path towards a secure and prosperous future.
Duration - 3h 26m.
Author - Josef Malone.
Narrator - Digital Voice Marcus G.
Published Date - Sunday, 19 January 2025.
Copyright - © 2024 Jost Allmeling ©.
Location:
United States
Description:
This audiobook is narrated by a digital voice. Are you ready to take control of your financial future? "Smart Money, Bright Future" guides you through the essential steps to building financial literacy for all ages. Learn the fundamentals of budgeting, saving, and investing while discovering age-specific strategies that cater to your evolving needs. Whether you're a teenager starting to earn an allowance, a young adult navigating student loans, or a seasoned individual planning for retirement, this book provides practical advice and valuable insights. Explore essential topics such as understanding credit, building a retirement portfolio, and protecting your assets from scams. Empower yourself with the knowledge to make informed financial decisions, avoid common pitfalls, and set yourself on a path towards a secure and prosperous future. Duration - 3h 26m. Author - Josef Malone. Narrator - Digital Voice Marcus G. Published Date - Sunday, 19 January 2025. Copyright - © 2024 Jost Allmeling ©.
Language:
English
Chapter 1: Building a Foundation: Understanding the Basics 1
Duración:00:00:05
What is Financial Literacy? 1
Duración:00:04:10
The Power of Compound Interest 4
Duración:00:03:20
Setting Financial Goals 6
Duración:00:04:04
Creating a Budget: Tracking Income and Expenses 9
Duración:00:04:54
The Importance of Saving 12
Duración:00:03:25
Chapter 2: Financial Habits for Teens and Young Adults (Ages 13-25) 15
Duración:00:00:06
Earning and Managing Allowance/Part-Time Income 15
Duración:00:05:49
Saving for Short-Term Goals: College, Car, Travel 19
Duración:00:03:16
Understanding Credit and Building Credit History 21
Duración:00:04:24
Avoiding Debt Traps: Student Loans, Credit Cards 24
Duración:00:03:23
The Basics of Investing: Stocks, Mutual Funds 26
Duración:00:02:52
Chapter 3: Financial Planning for Early Adulthood (Ages 25-35) 29
Duración:00:00:07
Budgeting for Growing Responsibilities: Rent/Mortgage, Family 29
Duración:00:03:07
Saving for Retirement: 401(k)s, IRAs 31
Duración:00:04:10
Homeownership: Buying, Renting, or Investing 34
Duración:00:04:09
Insurance Essentials: Health, Life, Property 37
Duración:00:04:19
Planning for Large Purchases: Cars, Home Renovations 40
Duración:00:04:06
Chapter 4: Navigating Midlife Finances (Ages 35-55) 43
Duración:00:00:06
Managing Multiple Financial Goals: College Savings, Retirement 43
Duración:00:05:36
Investing for Growth: Stocks, Bonds, Real Estate 47
Duración:00:03:55
Building a Portfolio for Different Risk Tolerances 49
Duración:00:04:43
Estate Planning: Wills, Trusts, Power of Attorney 52
Duración:00:03:50
Financial Implications of Divorce or Separation 55
Duración:00:03:41
Chapter 5: Preparing for Retirement (Ages 55-65) 58
Duración:00:00:06
Assessing Retirement Savings: Checking Your Progress 58
Duración:00:03:30
Choosing Retirement Income Options: Pensions, Social Security 60
Duración:00:04:54
Planning for Healthcare Costs in Retirement 63
Duración:00:04:05
Downsizing and Housing Options for Seniors 66
Duración:00:03:49
Estate Planning and Legacy Building 68
Duración:00:04:17
Chapter 6: Financial Management in Retirement (Ages 65+) 72
Duración:00:00:06
Managing Retirement Income: Social Security, Pensions, Investments 72
Duración:00:03:47
Health and Long-Term Care Planning 74
Duración:00:06:28
Staying Financially Secure: Avoiding Scams and Fraud 79
Duración:00:04:22
Reverse Mortgages and Other Housing Options 82
Duración:00:04:26
Leaving a Legacy: Charitable Giving 85
Duración:00:03:54
Chapter 7: Teaching Financial Literacy to Children 88
Duración:00:00:05
Age-Appropriate Financial Conversations 88
Duración:00:03:21
Allowance and Spending Habits 90
Duración:00:04:00
Saving for Short-Term Goals: Toys, Treats 93
Duración:00:03:30
Introducing the Concept of Investing 95
Duración:00:04:27
Financial Literacy Resources for Kids 98
Duración:00:03:48
Chapter 8: Financial Tools and Resources 101
Duración:00:00:04
Budgeting Apps and Software 101
Duración:00:04:44
Online Investment Platforms 104
Duración:00:02:34
Credit Monitoring Services 106
Duración:00:04:09
Financial Calculators: Retirement, Loan Repayment 108
Duración:00:03:36
Government Websites and Financial Education Resources 111
Duración:00:04:51
Chapter 9: Financial Mistakes to Avoid 115
Duración:00:00:04
Overspending and Credit Card Debt 115
Duración:00:03:14
Failing to Save for Retirement 117
Duración:00:04:26
Not Diversifying Investments 120
Duración:00:04:07
Ignoring Estate Planning Needs 122
Duración:00:04:22
Falling for Financial Scams 125
Duración:00:04:59
Chapter 10: Building a Secure Future 130
Duración:00:00:04
Creating a Personal Financial Plan 130
Duración:00:03:20
Setting Realistic Financial Goals 132
Duración:00:04:14
Making Informed Decisions about Money 135
Duración:00:05:37
Seeking Professional Financial Advice 138
Duración:00:03:15
The Importance of Continual Learning 140
Duración:00:04:02