Inertia. That's the real enemy of investment returns. You can learn all you want about investment theory, but it won't add up to much unless you get your money in the game. This section's worksheets and strategies will help you estimate what you've got already and set you up with a plan for earning more. All you have to do is click to get started.

Getting Organized  In this section: Five Easy Pieces What's Your Cash Flow? How Much Are You Worth? Five steps is all it takes to get your savings into the market. They start right here with two worksheets designed to help you get a grip on your current financial situation. Asset Allocation  In this section: The SmartMoney Asset-Allocation System Why It Works Creating a diversified portfolio that's appropriate for your situation begins with determining the proper mix of stocks, bonds and cash. The SmartMoney Asset Allocation worksheet will show you the way. Building Portfolios  Once you have your allocation, you need to pick some specific investments. Our portfolio builder will make suggestions and show you our favorite picks based on whatever investing style you choose. Choosing a Broker  These days, there's no need to trade through a full-service (read, expensive) broker if you don't want to. But does it ever make sense to pay for advice? This section will help you decide for yourself.