Offers a comprehensive take on financial planning-not just retirement savings and mutual funds, but also the importance of building an efficient plan that accounts for all the details Puts confusing topics, like 401(k)s and 529s, into everyday language-and shows readers how to avoid common pitfalls Explains what it means to be tax efficient-not just on this year's tax return, but from now through retirement Balances life quality in the present with saving for the future