Overcome debt, make smart money decisions, and build a financially secure future Do you support your family, pay your taxes, get the bills done on time—and yet still struggle to achieve financial security? If so, you’re not alone. About one-third of all Americans have not saved for retirement, another third have no savings at all, and more than half have no budget. How did we get here? Two words: financial illiteracy. As money and finance have become more complex over the decades, the average American has not been able to keep up—in essence, leaving our personal financial decisions up to banks, bureaucrats, policymakers, and even fraudsters. Norm Champ, a former director at the Securities and Exchange Commission (SEC), provides an in-depth primer on how money works, designed just for you—the non-finance reader. Champ shows how to: • Pay off your loans and stay out of debt for the long run • Build savings that will see you through thick and thin • Avoid financial disaster—from bad credit deals to outright scams • Start building a safe, smart investing portfolio Our financial system is easier to grasp than you think—and armed with this new knowledge and insight, you’ll finally take control of your financial future. When you know how money works, you make better financial decisions. It’s that simple. Mastering Money demystifies finance and provides plainspoken, straightforward advice for building a solid financial foundation you can count on in good times and bad.

Huddleston explains why we fall for investment scams, how con artists play on the human tendencies we all share, and what we can do to protect ourselves from predators.

Empire of the Fund is an exposé of the way we save now with proposals to fix it. The United States has embarked upon the riskiest experiment in our financial history: to see whether millions of ordinary, untrained citizens can successfully manage trillions of dollars in a system dominated by skilled and powerful financial institutions.

Creating Retirement Income, a Lightbulb Press book, is for anyone thinking about retirement planning and variable annuities. Planning for retirement and creating a nest egg on which to live comfortably is on everyone's mindshy;shy;from people in their twenties to those for whom retirement is just around the corner. Variable annuities provide the answers to millions of investors, yet there's still a mystery that surrounds them. This colorfully illustrated guide simplifies variable annuities and ways to create retirement wealth. Written in collaboration with the National Association of Variable Annuities, this user-friendly, easy-to-read and easy-to-understand guide to will appeal to anyone planning for retirement. Created by the authors of the best-selling Wall Street Journal guides, Creating Retirement Income will show you how to: Plan for a comfortable retirement; Choose among different annuities; Develop a diversified portfolio; Sort out the facts of social security And much more