My wake-up call -- You've already got what it takes -- A lifetime money plan -- Develop a money management system -- Put your money management system to work -- Build an emergency fund -- Get out of debt -- Maximize your retirement accounts -- Own your home outright -- Build your personal investment portfolio -- How much will I need to retire? -- Can I count on Social Security for my retirement? -- Value of time -- Quick guide to planning by decades -- How to choose a financial planner -- Popular ways to commit financial suicide -- Preparing for the unexpected -- Faith and finances -- What you need that money can't buy -- Smart women are doers -- Appendix: A short history of retirement.