Empowering you to Manage your
Money and your Happiness
Financial Self Defense Program
The author has been a student of
martial arts for nearly 40 years and engaged in financial study and management for
over 30 years. This short book distills these years of experience so the reader can
approach their financial management and education with the discipline of the
martial arts. Martial arts teach one to engage in an activity with calm, efficiency
and integrate the process with one’s life mission of finding happiness. The purpose
of the Integrated Financial Education Series is to provide individuals with a
system to manage their finances with a minimum cost both in terms of time and
Recent surveys suggest many people feel overwhelmed by the complexity of
managing their personal finances. Yet without the ability to rely upon a pension
for retirement, they must take more responsibility for their lifetime spending
needs. Recognizing that our financial system is broken, they do not know where to
turn to find advice. Many people do not want to manage their own finances, but are
not completely comfortable with the alternatives.
Whether one only wants to find a trustworthy adviser or become self-directed,
this book and supporting links simplifies the process. First the book helps the
reader identify the areas of finance that will produce for them the
greatest economic benefit. By limiting the areas of finance studied, the
overwhelming task becomes manageable. Then unlike some rules of thumb common in the
financial media, real depth in thought is needed to be certain that one’s efforts
are genuinely directed towards achieving their goals. Once a framework is developed
for financial decisions, it can be applied quickly and easily to any decision that
may arise over time. If one wishes to continue their financial education, cost
effective resources are suggested.
The reader is also challenged to question how their approach will lead to
happiness. Ultimately, the approach to study and the resulting decision processes
are rooted in martial arts discipline to promote efficiency as well as happiness in
But first, some other helpful
suggested reading on the subject...
Note the books recommended below do
an outstanding job helping people approach finance with a greater sense of peace and happiness.
They also provide technical knowledge of the field. However, the technical knowledge stops short of
correctly targeting the required income and instead may focus
on a wealth maximization objective.
Excellent technical knowledge from top professors. Some of the advice given can run counter to
integrating your decisions to produce happiness. Also, from time to time professors overthink the
problem, so take care before adopting any strategy.
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Financial Self Defense Program
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provided for educational purposes.