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Table of Contents
1 Cover
5 About the Authors DR. BRADLEY T. KLONTZ, Psy.D., CFP® DR. EDWARD HORWITZ, Ph.D., CFP®, FBS, ChFC, CLU, CSA DR. TED KLONTZ, Ph.D.
6 Foreword
7 Introduction YOUR MONEY MAMMOTH OUR EXTINCTION LEVEL EVENT TODAY'S REALITY SO WHO ARE YOU? YOU ARE WIRED TO SPEND YOU ARE WIRED TO TRY TO KEEP UP WITH THE JONESES ALL THE RULES HAVE CHANGED WE MUST EVOLVE THE WINDS OF CHANGE A HISTORICAL MOMENT TIME TO EVOLVE NOTES
8 SECTION I: YOUR ORIGINS CHAPTER 1: Your Ancestors THE ANCESTOR ROOM SO WHAT'S IN YOUR ANCESTRY ROOM? WHY AREN'T YOU RICH? DEATH TO SAVERS NOTES CHAPTER 2: Your Parents YOUR PARENTS BECOME YOUR OWN ANTHROPOLOGIST WHEN MONEY HELPS WHEN MONEY HURTS FINANCIAL ENMESHMENT A FAMILY STORY OF FINANCIAL DESTRUCTION PARENTS KNOW BEST? THE 2008 HOUSING CRISIS NOTES CHAPTER 3: Your Children CAN MONEY MAKE YOU INSANE? WERE YOU A SPOILED CHILD? THE COLLEGE ADMISSIONS SCANDAL MONEY IS A POWERFUL REINFORCER HUMANS ARE LAZY FINANCIAL ENABLING AND FINANCIAL DEPENDENCE CUTTING THE FINANCIAL UMBILICAL CORD: FIVE STEPS RAISING FINANCIALLY HEALTHY CHILDREN IT'S NOT SO SIMPLE A BIG HEADS-UP QUICK START TIPS FOR HEALTHY FINANCIAL HABITS ALLOWANCES A FAMILY ALLOWANCE TALK ABOUT MONEY (BUT NOT TOO MUCH) NOTES CHAPTER 4: Your Mate GENETIC DIFFERENCES? THE GIVER VERSUS THE SAVER INTERDEPENDENCE VERSUS INDEPENDENCE BOOBY TRAPS WHERE FROM HERE? HOW ARE YOU DOING WITH MONEY? FINDING THE RIGHT KIND OF HELP THE CONVERSATION INTERVENTION SETTING THE STAGE NOTES CHAPTER 5: Your Tribe YOUR EXTENDED FAMILY THE HILL WHAT SAVES YOU MAY KILL YOU RELATIVE DEPRIVATION HOW CAN WE KEEP THEM DOWN ON THE FARM WHAT THE TRIBE EXPECTS THE MODERN-DAY TRIBE—RISK SHARING FEELING AT HOME IN OUR TRIBES YOUR TRIBES TRIBAL INFLUENCE
