MONEY GIRLS'S SMART MOVES TO GROW RICH

　　Laura Adams has written an excellent book for those who want to take control of their financial lives. It's loaded with good, comprehensive advice on everything from credit cards to taxes to retirement planning. The author does a great job of rendering often complicated concepts into clear, understandable prose. Whatever your financial goals, Money Girl's Smart Moves to Grow Rich will help.
　　 -- Fred Brock, former New York Times columnist and author of the bestselling Retire on Less Than You Think
　　
　　Adams walks her readers through the ins and outs of money sanity and practical solvency, while helping them create a richer life – both financially and emotionally… (her) peppy tone and highly organized, sensible advice deliver a clear-cut plan for financial literacy.
　　--Publishers Weekly

  　Tired of worrying about your financial situation but aren’t sure what to do or where to start?  Stop stressing! No matter how much you earn (or how much you owe) you can take control of your money—and it won’t be nearly as hard as you think.
　　Millions of people already benefit from the expert advice Laura D. Adams dispenses in her weekly Money Girl podcast and know firsthand that little changes can lead to big rewards. Laura doesn’t tell you what you can and can not buy with your own hard-earned money; instead, she gives you guidance, tips, and tricks you need to make the most of it by finding out how to:　　
　　- Assess your current financial situation and set achievable, realistic goals
　　- Get out of debt faster—and stay out for good
　　- Manage your 401(k) or Roth IRA like a pro
　　- Take advantage of every available tax deduction to owe less and save more
　　- Choose smarter investments so you can watch your money grow
　　- Use the most up-to-date technology to make managing your money much easier
　　 　　Whether you’re learning the quickest way to improve your credit score or the seven essential tips for preventing identity theft, you’ll be surprised—and relieved—at just how doable it all is. Chock-full of quick and dirty tips that explain what you need to know without bogging you down with what you don’t, Money Girl’s Smart Moves to Grow Rich will ensure you have the kind of life you want and the future you’ve always dreamed of.
　　　　

Introduction
1.WHAT'S YOUR MONEY MIND-SET?
　What's Your Relationship with Money?
　Big, Bad Financial Habits (and Little Ones, Too)
　One Last Money Secret to Growing Rich
2.CREATING A FINANCIAL PLAN
　Know Your Net Worth
　Create a Financial Plan
　Goal #1: An Emergency Fund
　Make Having Insurance a Goal
　Planning for Retirement
　Create a Retirement Plan
　Create a Spending Plan That Will Work
　15 Ways to Save More Money
3.CHOOSING THE BEST BANKING ACCOUNTS
　Different Types of Bank Accounts
　Checking or Payment Accounts
　Savings Accounts
　Money Market Deposit Accounts (MMDAs)
　Certificates of Deposit (CDs)
　Trust Accounts
　Federal Deposit Insurance Corporation (FDIC) Insurance
4.SETTING UP A MONEY MANAGEMENT SYSTEM
　Regular Money Management Tasks
　Computer Money Management
　Online Financial Tools
　Money Girl's System (That's Me)
　Sample Banking Setups
　Setting Your Routine
　Staying Safe from Identity Theft
5.DEALING WITH DEBT
　Do You Need to Eliminate All Debt?
　Make a Debt Reduction Plan
　Balance Transfer Credit Cards
　Use Credit Cards Wisely
　What Kind of Credit Card Should You Use?
　Manage Your Credit Score
　Debt Settlement
　Loan Refinancing
　Loan Modification
　Loan or Debt Consolidation
　Secret Debt Weapon: Accelerated Payments
　A Last Resort: Declaring Bankruptcy
　Set Your Debt Priorities
 6.INVESTING WISELY
　Discretionary Income: Your Investment Fuel
　How Do Simple and Compound Interest Work?
　Investing and Risk
　The Difference Between Saving and Investing
　What Investments Should You Buy?
　 Diversification
　 Dollar-Cost Averaging
　 Invest or Pay Down Debt?
　 Protect Yourself
7.PLANNING FOR RETIREMENT
8.BUYING  REAL ESTATE
9.PAYING FOR  EDUCATION
10.UNDERSTANDING TAXES