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Ellen Rogin - Picture Your Prosperity: Smart Money Moves to Turn Your Vision into Reality

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Ellen Rogin Picture Your Prosperity: Smart Money Moves to Turn Your Vision into Reality
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Everyone has a unique vision of a prosperous and secure future. Whats yours?
If someone asked you to describe prosperity and security, what would you see in your minds eye? Is it finally taking that trip to Paris? A beautiful beach house? Or maybe making that last mortgage payment and staying right where you are? In your vision are you captaining a sailboat? Hiking through a redwood forest? Or simply enjoying a precious moment of peace and contentment?
When it comes to financial planning, its easy to jump right into the minutiae of investments, skipping over the deeper questions of what you really want from your money, both now and in the future. But in Picture Your Prosperity, Ellen Rogin and Lisa Kueng do the opposite. First theyll help you figure out exactly what you need and want. Only then will they show you how to make the smart money decisions that can help turn your vision into reality.
If the thought of financial planning and investing sounds about as appealing as a trip to the dentist, youre not alone. Many of us avoid the process because it feels too stressful, boring, or difficult. But as Ellen and Lisa have learned from their years in financial services, thinking about money becomes exciting and fun when its tied to your personal vision instead of a pile of technical details. And it can be easier than you think.
Once your goal is clear, the authors show you how to design your investments to create the life youve envisioned. Soon youll feel more in control of your finances and on the road to the things that matter most. Youll be able to create a plan thats broken down into manageable and, dare we say it, enjoyable steps. Youll learn how to handle your money with more joy and less stress, even during turbulent times. And youll explore ways your financial moves can have a huge positive impact on other people.
As Rogin and Kueng write, Your money is important, but money is meaningless if it cant be connected to the rest of your life. Who cares what the totals on your balance sheet or in your bank account are if you cant use them to build the kind of future you want? What good is having a brilliant investment strategy if you worry incessantly about losing it, constantly fight with your partner about money, or come home and kick your dog on days the market drops? What if instead you felt positive, peaceful, and prosperous?
Get ready to feel more excited than ever about your money, and about all the good things it can bring.

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Our greatest hope for this book is that it will inspire women everywhere to - photo 1
Our greatest hope for this book is that it will inspire women everywhere to - photo 2

Our greatest hope for this book is that it will inspire women everywhere to make a difference in their own financial lives and in the lives of others. We would like to dedicate it to the two women who inspire us mostour moms.

To my mom, Chernie Shayman: Thank you for teaching me about love, positivity, productivity, and baking! I miss you every day.

And to my mom, Therese Kueng: Thank you for giving me faith in God, love to share, and wings to fly.

Ellen and Lisa

CONTENTS
IMPORTANT DISCLOSURES

The information contained in this book should not be construed as personalized investment advice, and should not be considered as a solicitation to buy or sell any security or engage in a particular investment strategy.

The opinions expressed in this book are those of the authors only and there is no guarantee that the views and opinions expressed in this book will succeed. No investment or financial planning strategy can assure success or protect against loss in declining markets. The strategies and concepts articulated in this book are for educational and illustrative purposes only and are not intended to provide financial, legal, or tax advice. Individuals are encouraged to seek professional guidance concerning their own unique situation.

The stories shared within this book are based on real situations. However, the names have been changed to protect the individuals identity and the facts may have been alteredto better demonstrate the particular message being conveyed.

PORTFOLIO / PENGUIN

Published by the Penguin Group

Penguin Group (USA) LLC

375 Hudson Street

New York, New York 10014

Picture Your Prosperity Smart Money Moves to Turn Your Vision into Reality - image 3

USA | Canada | UK | Ireland | Australia | New Zealand | India | South Africa | China

penguin.com

A Penguin Random House Company

First published by Portfolio / Penguin, a member of Penguin Group (USA) LLC, 2015

Copyright 2015 by Ell and L, LLC

Penguin supports copyright. Copyright fuels creativity, encourages diverse voices, promotes free speech, and creates a vibrant culture. Thank you for buying an authorized edition of this book and for complying with copyright laws by not reproducing, scanning, or distributing any part of it in any form without permission. You are supporting writers and allowing Penguin to continue to publish books for every reader.

LIBRARY OF CONGRESS CATALOGING-IN-PUBLICATION DATA

Rogin, Ellen.

Picture your prosperity : smart money moves to turn your vision into reality / Ellen Rogin, CPA, CFP, Lisa Kueng.

pages cm

Includes bibliographical references and index.

ISBN 978-0-698-17047-6

1. Finance, Personal. 2. WomenFinance, Personal. 3. Investments. I. Kueng, Lisa. II. Title.

HG179.R624 2015

332.024dc23

2014038636

This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering legal, accounting, or other professional services. If you require legal advice or other expert assistance, you should seek the services of a competent professional.

While the author has made every effort to provide accurate telephone numbers, Internet addresses, and other contact information at the time of publication, neither the publisher nor the author assumes any responsibility for errors or for changes that occur after publication. Further, publisher does not have any control over and does not assume any responsibility for author or third-party Web sites or their content.

Version_1

Introduction

What does prosperity mean to you? Close your eyes for a moment and think about what comes to mind.

Weve conducted hundreds of Prosperity Picture workshops across the country based on the ideas in this book, and thats always the first question we ask of our participants. Its a fascinating one because it results in a full spectrum of answers. Some people immediately say that, to them, prosperity means security or peace. Some say it means having time to do the things they find most rewarding. Some associate it with having money or being able to buy whatever they want. And some connect it with something very specific and seemingly unrelated, like the ocean.

as the condition of being successful or thriving; especially: economic well-being. So its a word that refers to money, but it also refers to the rest of life. And its true. The answers we hear when we ask, What does prosperity mean to you? fall into both of those categoriessome are about money and some are about life. We love that! Your money is important, of course, but lets face it: money is meaningless if it cant be connected to the rest of your life. Who cares what the totals on your balance sheet or in your bank account are if you cant use them to build the kind of life you want? What good is having a brilliant investment strategy if you worry incessantly about losing it, constantly fight with your partner about money, or come home and kick your dog on days the market drops?

What if instead you felt positive, peaceful, and prosperous?

Most people see the logic in the fact that our money and our lives are inextricably linked, but ironically that doesnt necessarily lead them to think about their money as the exciting, potentially life-changing tool that it is. More often than not, we see people who think of their money as being contained in a silorelegated to a special area they see as a necessary but separate part of life. They view their money silo in a variety of wayssometimes its a source of pain because theres not enough in it and sometimes its a source of pain because theres too much in it. Some people are afraid of losing it, some cant wait to spend it all, and so on and so forth. Regardless of the specifics, most people tend to view their silo as something needing to be managed, but which is not intuitively linked with the rest of their life.

But what if we look at money differently? Not as a project that needs to be managed or an obstacle that needs to be overcomeand certainly not just a means to help us get more stuff or add to a collection of belongings. Instead, what could happen if we all began to view money as an incredible tool? A way to help us get closer each and every day to living the most extraordinary lives we possibly can, and also a tool we can use to help other people do the exact same thing? We see awakening to this possibility as incredibly exciting and inspiring. And so weve written this book as a way to help you define your personal version of true prosperity and to share ideas and direction on smart money moves you can make to turn that vision into reality.

As you begin reading, it will probably be fairly clear this book was written with women in mind. However, in the same way that we hope men will read magazine articles on How to Keep Your Relationship Steamy, How to Throw the Perfect Summer in the United States. Women are earning more bachelors and masters degrees than men. They comprise more than half of the U.S. workforce. And as women ourselves who have made our careers in the financial services industry, we wanted to build on this momentum and create a book that we hope will uniquely inspire women to create their own personal prosperity, use their money as a force for good in the world, and change the face of finances. This is

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