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pretzeles's review against another edition
2.0
tl;dr live beneath your means, don't use credit cards, make a financial plan. pretty obvious. huge waste of time.
susssu's review against another edition
4.0
A more relatable approach to personal finance than all those "how YOU can also become a millionaire" guide books.
dotcejas's review against another edition
informative
fast-paced
3.0
straightforward steps, useful for people stuck in paycheck to paycheck cycle
kbabbfran's review against another edition
4.0
An interesting and fun read that helps you set your priorities straight and do introspection on your personal expenditure. However, there was a little too much rambling.
fatima_alsaif's review against another edition
4.0
I’d rate it between 3.5-3.75
It wasn’t rocket science but it was good enough to reflect and learn. I appreciate the author including personal stories from his personal life and from clients he helped as a financial advisor.
It wasn’t rocket science but it was good enough to reflect and learn. I appreciate the author including personal stories from his personal life and from clients he helped as a financial advisor.
shontelwatters's review against another edition
5.0
Awesome book!
This book is incredible and I am so excited to start implementing this was of thinking about me finances! Definitely recommend!
This book is incredible and I am so excited to start implementing this was of thinking about me finances! Definitely recommend!
laurla's review against another edition
-the version I read was the 2012 self published version, not the later 2015 'updated' version.
-the book heavily references 2007/2008 and how the housing market crashed and unemployment soared.
-a bit simplistic. but it encourages you to take a hard honest look at where your money is going and what you can *really* afford, including choosing to give up your home and its mortgage, car and car payments, or filing bankruptcy.
"when you purchase guitar hero, leaving yourself with little money to pay for food and only a partial rent payment, you are showing that you value a video game more than you value food or shelter this month. when you purchase guitar hero on credit, because you do not have enough money to purchase it for cash, you demonstrate that you value a video game more than next months food and rent."
"often a large amount of our inner conflict about finances comes from our unwillingness to really look at what we truly value, and stand by it with integrity."
"americans forget to purchase stability in the future. at some point in time your monthly expenses or income will change suddenly; perhaps you will have a car accident; your partner will suddenly get cancer; or you will lose your job. an emergency fund is important in the household budget. yet in many households their credit card is their emergency plan. this is a very poor plan which often turns what is a small emergency in the moment into a financial crisis down the road."
-the book heavily references 2007/2008 and how the housing market crashed and unemployment soared.
-a bit simplistic. but it encourages you to take a hard honest look at where your money is going and what you can *really* afford, including choosing to give up your home and its mortgage, car and car payments, or filing bankruptcy.
"when you purchase guitar hero, leaving yourself with little money to pay for food and only a partial rent payment, you are showing that you value a video game more than you value food or shelter this month. when you purchase guitar hero on credit, because you do not have enough money to purchase it for cash, you demonstrate that you value a video game more than next months food and rent."
"often a large amount of our inner conflict about finances comes from our unwillingness to really look at what we truly value, and stand by it with integrity."
"americans forget to purchase stability in the future. at some point in time your monthly expenses or income will change suddenly; perhaps you will have a car accident; your partner will suddenly get cancer; or you will lose your job. an emergency fund is important in the household budget. yet in many households their credit card is their emergency plan. this is a very poor plan which often turns what is a small emergency in the moment into a financial crisis down the road."
rolle's review against another edition
4.0
This is like YNAB methods but extended edition. Well done! Everything is top notch and inspiring. I'm glad we in Finland have free education, free health care and free to use debit cards without any fees. I'd be bankrupt in the USA. Good book about personal finances.
libbet's review against another edition
5.0
my one complaint is that for visual learners, some examples would be helpful - a sample zero budget spreadsheet, for instance. other than that, very helpful, easy read, better than Ramsey. I hope to try out his plan for February.
sailorscooby's review against another edition
4.0
Solid Plan
Definitely going to give this shot.
The only part that was a little disheartening was the “use only cash” bit. I 100% understand the practice, but as an American living in Stockholm Sweden, one of the few notoriously cashless cities in the world, being told I’ll fail no matter what for not being cash-only was a bit of a dig.
Everything other than that portion was fabulous, and I’ll be working on making sure my money express my values moving forward.
Definitely going to give this shot.
The only part that was a little disheartening was the “use only cash” bit. I 100% understand the practice, but as an American living in Stockholm Sweden, one of the few notoriously cashless cities in the world, being told I’ll fail no matter what for not being cash-only was a bit of a dig.
Everything other than that portion was fabulous, and I’ll be working on making sure my money express my values moving forward.