Let's Talk About Money

"This book is a must read for any woman who has any fear, doubt, or confusion when it comes to money (which is really all of us.) It will give you the knowledge and strength to speak up about financial topics that hugely impact the quality of your life."
- Kate Northrup, bestselling author of Money: A Love Story

"From her delightful anecdotes to her practical advice, Janice Goldman shows women that there's no reason to be afraid of conversations about money. Let's Talk about Money is filled with valuable information that provides financial questions to ask while giving women the courage to ask them. This useful resource is a must-read for women of all ages."
- Barbara Stanny, author of Prince Charming Isn't Coming: How Women Get Smart About Money

"Janice has written an amazing book with practical, actionable advice for women at every life stage. From student loans and landing that first job to marriage, elder care, retirement and estate planning, this book covers it all. Janice has many years of experience as a financial advisor and has helped hundreds of women reach their financial goals. She has a passion for helping women achieve their professional and financial dreams. She also helps women to negotiate for what they deserve instead of settling for what they are offered, which is one of the most valuable skills a person can possess. I recommend this book to any woman who has a desire to protect and grow her assets."
- Rene Suzanne, Relationship Coach

Janice Goldman is a nationally recognized transformational speaker, empowerment coach, and facilitator with more than thirty-two years of financial industry experience. She speaks on financial empowerment for women at conferences and events across the country.

Foreword by Adri Miller Heckman ix
Preface: Why I Had to Write This Book xi

Chapter 1: Can We Talk? 1
Discussion 1: Let's Talk about Relationships
Chapter 2: Let's Get Naked . . . Financially: Talking about
Money with Your Partner Before and After Marriage 13
Chapter 3: Divorce and Remarriage with Eyes Wide Open:
No More Little Miss Nice, Little Miss Nave, and Little Miss Delusional 37
Discussion 2: Let's Talk about Work
Chapter 4: You Gotta Know When to Hold 'Em and Know
When to Fold 'Em: The Secrets of Getting and Leaving a Job 59
Chapter 5: Talk Taxes to Me: Keep More of Your
Hard Earned Cash 83
Discussion 3: Let's Talk about Children
Chapter 6: Closing the Bank of Mom: Helping
Your Adult Children Stand on Their Own Two Feet 99
Chapter 7: Forever in Debt: The Harsh Reality of
Student Loans 109
Discussion 4: Let's Talk about Parents
Chapter 8: You're NOT Being Greedy: It's Time to Lose
the Stigma of Talking about Your Parents' Estate 123
Chapter 9: Don't Let Your Parents Be a Target: Protect
Your Parents from Financial Abuse, Heartache, and Fraud 137
Discussion 5: Let's Talk about Retirement
Chapter 10: IRA, 401(k), SEP ... It's all Greek to Me: Make Sense of Your Retirement Savings Plans 157
Chapter 11: It's Never Too Soon to Start Planning:
Plan Early for a Sunny Retirement 167
Conclusion: You've Only Just Begun 181
Resources 185
Meet the Experts 189
About Janice Goldman 193
Acknowledgements 194
Index 197