Chapter 1 Basic Money-saving Strategies 15 -- Chapter 2 Avoiding Credit and Loan Traps 40 -- Chapter 3 Reducing Your Insurance Costs 54 -- Chapter 4 Reducing Your Taxes 77 -- Chapter 5 Money-saving Strategies for College 97 -- Chapter 6 Buying and Maintaining Cars the Smart Way 109 -- Chapter 7 Investing in a Home and Real Estate 138 -- Chapter 8 Building a Perfect Portfolio 162 -- Chapter 9 Planning for Your Retirement 203 -- Chapter 10 Starting Up Your Own Business 225 -- Appendix: Financial Tables 259