The Flip Side of the Coin ................................................................. 27 Long Gam e Chall enge #2: Persistentl y. Low . Interest Rates. ........................................................................................................................ 29 The Pa st and the Present ................................................................ 30 Why L o w Inte res t Rate s ar e H ere to Stay ............................... 32 The Saver’s Dilemma ........................................................................ 33 What’s a Sav er to D o? ....................................................................... 35 Um, Is That All? ................................................................................... 36 Long Game C halle nge #3: I ncome .................................................. 37 A Quick Look at H istory .................................................................. 37 New Approach to Long Game Income ...................................... 39 Newl y Discovered Risks .................................................................. 40 Long Game Income ............................................................................ 46 But Wai t! T here’s Mo re. .................................................................. 47 Tax es. Ta x es. Ta xes. .............................................................................. 49 H ow Americans Save . . . .................................................................. 50 Your H idde n D ebt .............................................................................. 52 Your Si le nt Par tner ........................................................................... 54 Legislat ive Risk ................................................................................... 55 The Great American Savi ngs Myth ............................................. 56 Macro v s . Mi cro ................................................................................... 58 A Macro Analysis .................................................................................... 61 Analyzing Taxes Through a Macro Lens .................................. 61 “Total Tax Burden” Analysis ......................................................... 62 C runching Numbers .......................................................................... 63 The Cost of Conv ersion ................................................................... 66
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