Mandatory v s . Opti onal ................................................................... 68 The Future of Ta xes ............................................................................... 71 Three W a ys Your Ta x es Could Rise ........................................... 71 Prepare for the Rise .......................................................................... 76 How Hig h Coul d t he Tax es Go? ......................................................... 77 Forg et the Highest Rate Already ................................................. 77 The M iddl e What? .............................................................................. 79 Rising Taxes .............................................................................................. 81 Dolla rs an d Cents ............................................................................... 81 Rising Taxes . . . In D ollar s and C ents ........................................ 82 Your Long Game Approach to Taxes ......................................... 83 That ’s Right —It’s Not Too L ate ................................................... 84 Marty’s N e w Str ategy ....................................................................... 85 C rafting Your Long Game Retirement .......................................... 87 Need Help? ............................................................................................ 88 A Retirement Workout .................................................................... 89 Final Thoughts .................................................................................... 90 Pay It Forw ard ............................................................................................ A Ne w Rule s f or th e N e xt G eneration .............................................. A The New Rules of Retirement Saving ............................................... E C risis in America ................................................................................... G The Old Rules of Retirement Saving .............................................. J Three Rules for a B ett er Fut ure ...................................................... K Rule #1: Know Your Risk ...................................................................... M Your T hree Bi gges t Ri sks ................................................................. N
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