Smart strategies for taking control of your money from bestselling author and personal finance expert Terry Savage--the new, fully updated third edition. The Savage Truths on Money are time-tested, but new technologies and techniques make it easier and more profitable to make your money work for you! Now, financial success can be achieved simply and automatically through new apps, tools, and access to low-cost money management tools and advice. Living in financial security--not constantly worrying about education costs, medical bills, or having enough money saved for retirement--is within anyone's reach. In this new edition of The Savage Truth on Money, author Terry Savage shares the time-tested truths of financial security, guides you on redirecting your finances, and helps you create a financial plan for your future--using all the resources of technology, the best people in the financial planning industry, and your own informed judgment. This must-have resource is a roadmap for navigating today's economic reality on the way to your best possible financial future. This invaluable guide will help you: Take responsibility for your own financial future, using technology to improve your financial decision-making Control your spending and deal with debt, protect your assets, and grow your savings Learn the basic truths about money, markets, and human emotions--and how to use that knowledge to your advantage Find financial advisors you can trust--fiduciaries who will put your interests first, and save you money on costs Make a realistic plan for college without being buried in debt--and deal with existing student loans Create--and reach--retirement goals that allow you to enjoy your financial success Whether you're just starting out and unsure of your next steps, or you're worried about how you'll manage your investments and plan your retirement, the third edition of The Savage Truth on Money is your one-stop guide for taking control of your finances today and reaping the benefits tomorrow.

Nationally known personal finance expert Terry Savage helps you answer the most important retirement questions

During a time when looking to the future is more important than ever, author Terry Savage offers street smart advice for the many soon-to-be retirees wondering how much longer they will have to work to make up for the losses in their retirement accounts. "The New Savage Number" provides the strategic guidance and hands-on techniques necessary to plan a successful, satisfying retirement.

Throughout the book, Savage helps you figure out how much money you need to retire-your savage number-and how to invest to reach that goal. Then, as retirement looms, she guides you through the process of planning withdrawals so the money lasts your entire lifetime. In between, Savage offers practical advice on everything from getting personal finances organized to insuring retirement plans against the disastrous need for long-term care. An informative, engaging book that future retirees of every age can utilize, "The New Savage Number"
Contains updated chapters reflect the current economy including changes to the mortgage market and stock market performanceTakes issues such as social security, long term insurance, and new investment risks into considerationOffers guidance on continuing to earn income in retirement

Written with every retirement bound individual in mind, " The New Savage Number, Second Edition" provides you with the tools needed to rescue your retirement.

People can talk about love. People can talk about money. The really hard thing is to talk about those two topics together. Especially when getting married or moving in together

Three professionals from different fields confront this issue: Gemma Allen, a prominent family law attorney; Judge Michele Lowrance, a long-time judge in the divorce division, who is now a mediator; and Terry Savage, a famed financial writer and money advisor. They explain that not only can love and money be talked about together, but that if the conversation is done with respect the relationship will have a better chance of success.

The three authors agree that there is one thing we know about love: it's a brand new deal. And if you only see it through the hazy glow of romance, you're setting your relationship up for future turbulence. Instead, plan ahead to give yourselves the best chance of success, and to avoid unnecessary arguments and hidden resentments.

Here's the information and support you need to create your own Love Deal, where romance meets the financial realities of today.

THE NEW LOVE DEAL fearlessly explores the financial and practical issues that couples confront, and the agreements that can resolve these differences before they destroy the relationship. Whether marrying for the first, or second time-or just moving in together it pays to plan in advance.

While society recognizes the many changes in relationships, such as same-sex marriage and record numbers of couples cohabiting, there is a lack of legal guidelines and procedures for navigating these murky waters. And as a result, breakups are messy-and not only from an emotional standpoint.

"We believe that creating the appropriate agreement will not destroy your romance, but enhance it because you are no longer fearful of the unspoken issues that might eventually divide you," argues Gemma Allen.

It's part of our DNA to want relationship security, so we recoil when the possibility of success is questioned. THE NEW LOVE DEAL is the authors' response to this thorny dilemma, detailing: Why Prenups and Conups (cohabitation agreements) help relationships survive. How drafting these agreements help you understand and appreciate your partner's financial personality. How couples can establish a Money Management Plan that acknowledges different incomes, assets, and financial goals. How to have "The Conversation" asking for a prenuptial agreement. Guidelines, myths, and the three essential rules for prenups. Day-to-day issues and long-term considerations for Cohabitation Agreements. Current definitions of laws surrounding DOMA, same-sex marriage, and civil unions. What to look for when seeking the right lawyer or mediator. How contracts keep you out of court.

"Money is often cited as the leading cause of breakups, but it is not just about the money. It's about all the things we don't discuss before making a commitment: goals, expectations, lifestyle, conflict resolution. And if you don't make plans about how you will handle these issues then money becomes the center of a power struggle," details co-author, Terry Savage.

Professional mediator, Judge Michele Lowrance, sums it up perfectly: "Communicate, communicate, communicate. Talking about what really matters to you is not a sign of selfishness-it is a sign of trust. Writing down those things you are willing to do and hope to accomplish is not limiting-it is the essence of a commitment."

THE NEW LOVE DEAL is for all couples from Park Avenue to the park bench, whether they are getting married, moving in together, have children and property together, or have been married or living together for years. As the authors agree: "The process of discussion, negotiation, and finding solutions requires openness and integrity. Those are also the requirements of a successful relationship "