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"One of the most effective tools for teaching personal
finance basics. We've made it a key part of our financial
education programs."
—Arthur Andersen
"Chilton has probably motivated more people to take actual
control of their personal financial lives than any other speaker
or writer has in this decade."
—Your Money

Get Rich Slowly. . . and Steadily!
In this new and updated edition of one of the biggest-selling
financial-planning books ever, David Chilton simplifies the
complex puzzles of personal finance and helps you achieve
financial independence. With the help of his fictional barber,
Roy, and a large dose of humor, Chilton shows you how you
can take control of your financial future—slowly, steadily,
and with sure success. Chilton's plan (detailed in an
entertaining story) is no get-rich-quick scheme, but it does
make financial independence possible on nothing more than
an average salary. Even if you consider yourself a financial
"basket case," Chilton explains how you can easily put an
effective financial plan into action.

"It's quite simply the best financial self-help book."
—FORTUNE BOOK CLUB
"It should be mandatory reading."
—PAUL HARVEY
"The Wealthy Barber is, indeed, an able teacher of those
personal-finance habits which lead to wealth and
happiness."
—JOHN TEMPLETON, FOUNDER OF THE TEMPLETON GROUP OF
MUTUAL FUNDS
"It's a complete success in terms of being clear, easy-to-read
and interesting."
—CHICAGO SUN-TIMES
"If ever a financial planning book was written for those
without financial backgrounds, this is it."
—TAX MANAGEMENT FINANCIAL PLANNING JOURNAL
"30 years from now Chilton could be remembered not as a
bestselling author, but as the man who inspired thousands to
save their way to prosperity."
—BRENDA DALGLISH
MACLEAN'S NEWS MAGAZINE
"The Wealthy Barber is the best book of its type that I have
ever read. In fact, for many Americans, it is possibly the
only book they need. I wish I had written it."
—JERRY MASON, DIRECTOR OF EDUCATION
INTERNATIONAL ASSOCIATION OF FINANCIAL PLANNERS
"I was pulled in by the book's authentic, downhome tone... I
had trouble putting The Wealthy Barber down."
—SANDY NAIMAN TORONTO STAR

"Nearly every week or so someone comes out with a new
book on how to manage your money. Most are too thick,
few leave a lasting impression and almost none of them are
fun to read. One exception is The Wealthy Barber"
-JACK SIRARD, BUSINESS EDITOR THE SACRAMENTO BEE
"He's the best. The guy's got charisma. He's funny,
entertaining and has terrific information. More listeners
have asked me about this book that any other I've had on
my show in the past five years."
—GORDON HILL, HOST WODS-FM, BOSTON
"The book does the impossible—it actually makes personal
money management understandable and attainable."
—RICHARD A. MARINI SAN ANTONIO LIGHT
"Chilton offers sound and easy-to-implement advice on a
wide range of personal money matters—advice that can
immediately start the average wage earner on the road to
great financial reward."
—DAILY SUN
"Surefire ways of making the most of your money."
—WILLIAM HAUCK TODAY'S SUPERVISOR
"A sensible and easy-to-digest guide for people . . .
dreaming of financial independence."
—JERRY UNDERWOOD BIRMINGHAM NEWS

The
Wealthy
Barber
Everyone's Commonsense Guide
to Becoming Financially Independent

UPDATED 3RD EDITION

David Chilton

About the Author

DAVID CHILTON is the president of a consulting firm that
specializes in teaching financial planning techniques
through employer-sponsored seminars. By combining
common sense and humor, Dave has shown hundreds of
thousands of people that sound financial planning is,
indeed, "pretty simple stuff." A frequent guest on national
TV and radio shows, and a much sought-after speaker, Dave
lives in Kitchener, Ontario, with his wife, Susan, son, Scott,
daughter, Courtney, and their wonder-dog, Charley.

Contents

Preface
Chapter 1

The Financial Illiterate

1

Chapter 2

A Surprising Referral

13

Chapter 3

The Wealthy Barber

25

Chapter 4

The Ten Percent Solution

30

Chapter 5

Wills, Life Insurance, and
Responsibility

66

Chapter 6

Planning for Retirement

99

Chapter 7

Home, Sweet Home

133

Chapter 8

Saving Savvy

158

Chapter 9

Insights into Investment and
Income Tax

174

Chapter 10 Graduation

196

Preface

The wisest tips on how to develop a financial plan are of
little use if they are not conveyed in an understandable
manner—a manner that responds effectively to the questions and concerns of the reader. Likewise, the most
articulately expressed thoughts on finance may be wasted if
they are not presented in an entertaining style—a style that
maintains the interest of the reader.
So how does one write an understandable and entertaining financial planning book?
I hope and believe that The Wealthy Barber answers
that question by taking a "novel" approach to the teaching
of financial planning.
Rather than inundating you with intimidating charts and
graphs and a series of lifeless numbers, The Wealthy Barber
will both entertain and inform you. Through fictional
conversations between Roy Miller, our financial hero, and
his barbershop patrons, you will learn that sound financial
planning is not only relatively simple, but it can also be fun.
I wish you good reading and good planning.
David Chilton

Chapter 1

The Financial Illiterate

I LOVE APRIL. I WOULDN'T trade it for two of any other
month. Except perhaps for October. Two Octobers would
mean twice as many birthday presents—and Oktoberfests!
Why April? Weather-wise, it offers neither the best of
summer nor the best of winter. It certainly doesn't provide
the beauty of the fall months. Is it because, at least to poets
and romantics, it symbolizes a new beginning, a kind of
rebirth? No.
I love April for three reasons: the National Basketball
Association playoffs, the National Hockey League playoffs,
and the essence of life itself—a new Major League Baseball
season. Ah, April. Paradise on earth!
Thanks to my remote control, I can sit motionless,
flicking back and forth between the Pistons on NBC and the
Red Wings on FOX, while listening to my beloved Tigers
on WJR. When you throw in picture-in-picture and a VCR,
the possibilities are endless.
In addition to being professional sports' finest hour,
April also ushers in the start of the golf season and

1


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