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achieve Action Items asset classes average become Bill bondage bonds borrow budget career cash value charitable cost death benefit debt deduction disability Dollar Cost Averaging dollars earn economic employer equity estate plan estate taxes expenses family limited partnership feel financial planning focus freedom goals going growth growth stocks happens income tax increase inflation insights insurance policy interest rates investment investor labor lifestyle living living trust load funds loan look ment million Money Happiness money market funds month mortgage municipal bonds mutual fund payment percent person pondered particular points premium purchase rate of return read this chapter real estate result retirement plan risk savings sell solicit the aid spend spouse Stephen Covey strategies success tax bracket tax rate tax-free there's things tion trust understand variable annuity worth WYHTE phenomenon