From the day a child is born, you have roughly eighteen years and a fixed number of paydays to fund a future that arrives whether you are ready or not. This book is about not wasting a single one.
3DA child's major costs, education above all, arrive on a schedule that does not negotiate. The money must be there when the university place is offered, not a few years later. Yet most families approach this with hope rather than a plan, underestimating both the true cost and the discipline that compounding rewards when it starts early.
Eighteen Years to Get This Right turns parenthood's biggest financial obligation into a clear, fundable plan. It covers the real cost of raising and educating a child, especially across borders, why starting early changes everything, how to protect the plan if a parent is gone, and how to ensure the money is both there and protected when the deadline arrives.
Education and upbringing cost far more, and rise faster, than parents assume.
Lost early years cannot be recovered; compounding rewards only those who begin.
If a parent dies or is disabled, the funding plan dies with the income.
Currency, fees, and foreign tuition can blow up a plan built for one country.
01The Right Tool for the Right Job
02Work Optional
03The Day the Benefits Stopped
04The Tax Illusion
05Worth Millions on Paper
06Too Young, Too Healthy, Too Late
07Nobody Has the Keys
08Yours, Mine, and Theirs
09Advised Everywhere. Planned Nowhere.
10The Phone Call That Changes Everything
11Eighteen Years to Get This RightNow Reading
12Your Pension Is Here. Your Retirement Is There.
13The Stamp That Expires
14The 183-Day Trap
15Nobody to Fall Back On
16Built by One. Lost by Three.
17The Conversation the Money Needs
18The Child the Financial Plan Forgot
19The Empty Estate
20The Family Philanthropy Playbook
21From Piggy Banks to Private Trusts
22The Family Bank
23The Plan You Think You Have
24Just One More Million
25My Family Would Never Fight Over Money
26I’ll Sort It Out When I’m Older
27Perfectly Logical
28I Was Going To
29More Salary, Less Money
30You Insured Your Phone
31What to Do When the Money Arrives
Healthcare Without a National System
The Death Benefit That Changes Everything
The Cashflow Crunch Calendar
Citizen Yes. Domestic No.
The Education Currency GapFunding a future is not the same as removing every challenge from it. The book is about meeting fixed obligations on a fixed schedule, what you choose to provide beyond that is a parenting question, not a planning one.
“You get about eighteen years and a fixed number of paydays. The deadline will not move for you.”Dr. Sanjay Tolani
Dr. Sanjay Tolani is a third-generation insurance professional and one of the most decorated financial planners in the world. He qualified for the Million Dollar Round Table at 19, the youngest member in its history, a record that still stands, and has since structured more than USD 25 billion in assets for over 50 high-net-worth families across 53 countries.
Beyond his practice, Dr. Sanjay has built the world’s largest advisor mentoring community, over 200,000 members, all free, and authored books that have sold more than a million copies in five languages. The Right Tool Series makes that same expertise available to families, business owners, and globally mobile professionals who need real plans, not general advice.
08Yours, Mine, and Theirs10The Phone Call That Changes Everything17The Conversation the Money Needs18The Child the Financial Plan ForgotThe book is shared on request. Tell us where to send it and we'll get your copy to you.
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