Chapter 5


To make our way, we must have firm resolve, persistence, tenacity. We must gear ourselves to work hard all the way. We can never let up.

—Ralph Bunche

Congratulations on making it through the first four chapters! The work you have completed in these previous chapters has created the foundation for your personal financial success. It has also been the hardest part of getting your financial affairs in order. From here on in it will only get easier, so stick with it, and I promise you will see great results.

The time, effort, and information you have put in so far will be used over and over again as we move forward to give you greater insight, comfort, and confidence with your finances. This will make it easier to get the answers you need to accomplish all your goals!

Group Benefits

Many of us work for a business that offers its employees benefits. The more common types of benefits are health, dental, and prescription drug benefits, often with paramedical, eye care, and long-term disability.

Other types of benefits that are gaining in popularity are flex-benefit plans and healthcare spending accounts (HSAs). Some businesses offer additional benefits to their employees, including child care, fitness-club memberships, low-interest or interest-free loans, and retirement funding or education assistance. Wellness programs that include financial planning, nutrition, fitness, health, and mental well-being are also becoming more and more popular as businesses recognize ...

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