Morgan is a GENIUS. His ability to present concepts and support them with relevant historical examples is nothing short of brilliant. This book is way more important and impactful than any book I was ever issued in school, 10 out of 10 recommend.

I ordered seven investment books and read them all. This one is required reading for anyone interested in learning about money, the psychology of investing, thoughts on wealth, as well as other factors including the importance of money, happiness, and how we define success.

You’ve got to give the author credit. He’s pretty open, honest and straightforward how things really work. Food for thought and solid suggestions backed with experience and stories. Nobody has all the answers or the big secret. However, this book will get your wheels turning. That’s the real idea.

Why the book was so easy and enjoyable to read? It has a lot of good examples, data, and fun facts to get the point across to the readers. The chapter titles are attention grabbers that get our attention so that we can read more. However, the most important thing to learn from this book is the “Margin of Safety.”According to the author, it is one of the most underappreciated forces in finance. It comes in many forms: a frugal budget, flexible thinking, and a loose timeline – anything that lets you live happily with a range of outcomes. Controlling your time is the highest dividend money pays.The book is pretty much evolved around the concept of “Margin of Safety.” It encourages readers to save money and not spend money lavishly. The key is staying wealthy and not just getting wealthy. We can’t be complacent and assume that yesterday’s success translates into tomorrow’s good fortune. Wealth is what you don’t see. Spending money to show people how much money you have is the fastest way to have less money.Good investing is not about getting the highest returns. It’s about getting good returns that you can stick with and which can be repeated for the longest period of time. According to the author, the historical odds of making money in US markets are 50/50 over one-day periods, 68% in one-year periods, 88% in 10-year periods, and (so far) 100% in 20-year periods.Forecasting is hard. This is why investment guru Benjamin Graham strongly advocates for the margin of safety, as the purpose of the margin of safety is to render the forecast unnecessary. The author cited the success rate of venture financing from 20024 to 2014: 65% lost money, 2.5% of investments made 10X to 20X, 1% made more than 20X return, and only 1/2% (~100 companies) earned 50X or more.According to George Soros, it is not important whether you are right or wrong but how much money you make when you’re right and how much you lose when you’re wrong. You can be wrong half the time and still make a fortune.The most interesting part of the book is the last chapter: Postscript. Thanks to the internet, the world is more connected than ever. That means that the talent pool the readers compete with has gone from 100s or 1000s sprang their towns to millions or billions spanning the globe.The author ended the book with a not-so-pessimistic note. The era of “this isn’t working” may stick around. And the era of “We need something radically new, right now, whatever it is” may stick around.

My background: financially unhealthy, controlling and financially abusive (by definition, not my diagnosis) upbringing.SO background: one parent financially astute but not at all risky and one who is a spending addict.This books seems mis-labeled to me. It is using the premise of finances and money as examples, but the focus is human psychology and what drives individuals. There is some study on financial habits of the financially successful. But overall, it is a study on human behavior and why we risk, what we risk versus why and what we stay safely away from risk.The books has been helpful in that I have had to deal with and work through my issues with money, trust issues with people and shedding some light into why it might be people do what they do.This books reminds me of ‘How to Win Friends and Influence people,’ in many ways. It is not like ‘Rich Dad Poor Dad.’Morgan Housel does an excellent job explaining why people risk what they do, and also don’t.Having completed a chapter 7 Bankruptcy in 2018 to buying a house (second starter home) in 2021… I hope to continue improving my personal financial world, and that of the world around me, for the sake of my kids and any future generations. This book does an excellent job continuing that education, and also my education in the psychology of humanity.Frankly, I can’t say enough about the book. It’s a good beach read, bored out of my mind read, need some challenge read, airplane read… whatever. Sitting at your desk or cubicle and need to preoccupy myself read.I will be adding a hardcover to my library. This would be a fantastic gift to those who have an interest in psychology or finances. Or anyone just interested in better understanding humanity. Frankly, it takes the glam out of “glamour” for me.The author humanized people. He doesn’t set them on a pedestal. He explains what they have done from a functional financial standpoint and then distinguishes that success is objective… or maybe that’s just my takeaway?Regardless, this book has certainly caused me to “Go home and rethink my life.”I highly, highly recommend it.Oh:~ Editing is phenomenal! I haven’t found a spelling or grammar mistake yet *starts screaming like a little girl*.~ Morgan Housel breaks down the psychology of what makes us… human: what happened to us impacts who we are and what we do. He further explains HOW and gives actual relatable examples.~ Stock Market and investing is a baby-new-world. Thank YOU! What worked yesterday will not, cannot work today or tomorrow because it is chronically changing, growing up, adjusting.~ Morgan Housel touches heavily on empathy and compassion. Respect, sir! Absolute respect!

Great book for everyone to read!! Kids 10 and up and adults should all read it. It makes a great high school graduation mini gift. This is a book most colleg finance classes require. It teaches a great lesson and is written like a novel. Can be read quickly.

Great book… easy read.. and lots of great financial experience. I buy this for all my “new dad” friends.

Good book to help with investing. Written well. Easy to read!

“Rich Dad Poor Dad” by Robert Kiyosaki is an extraordinary book that has truly changed my perspective on money, wealth, and financial literacy. This insightful and empowering read presents invaluable lessons that the rich teach their children about money, contrasting it with the mindset and beliefs commonly held by the poor and middle class. Allow me to share my experience with this life-changing book.First and foremost, the knowledge and wisdom imparted by Robert Kiyosaki in “Rich Dad Poor Dad” are eye-opening. Through relatable stories and personal experiences, Kiyosaki challenges conventional beliefs about money and unveils the fundamental principles of financial success. He emphasizes the importance of financial education, investment strategies, and building assets to create lasting wealth. These powerful lessons have inspired me to take control of my financial journey and make better choices for a prosperous future.The storytelling approach used in this book is exceptional. Kiyosaki narrates his childhood experiences, highlighting the contrasting financial mindsets of his own “poor dad” (his biological father) and his “rich dad” (his friend’s father). This storytelling style effectively communicates complex financial concepts in a relatable and engaging manner. It makes the book accessible to readers from all walks of life, regardless of their prior financial knowledge.The practicality of the lessons presented in “Rich Dad Poor Dad” is noteworthy. Kiyosaki not only shares insights but also provides actionable steps and strategies for readers to implement in their own lives. The book encourages readers to think critically about their financial decisions, challenge their beliefs about money, and take proactive steps towards financial freedom. It serves as a practical guide for individuals seeking to break free from the cycle of living paycheck to paycheck and create a solid financial foundation.Furthermore, the book’s emphasis on financial literacy is of immense value. Kiyosaki stresses the importance of acquiring financial knowledge and understanding the different forms of income, assets, and liabilities. This focus on education empowers readers to make informed financial decisions and take control of their financial destinies. It serves as a wake-up call to the significance of financial literacy in achieving long-term wealth and financial security.The impact of “Rich Dad Poor Dad” extends beyond personal finance. It challenges societal norms and encourages readers to question the traditional path of education and employment. Kiyosaki promotes entrepreneurship and encourages individuals to think outside the box, take calculated risks, and embrace the opportunities that come with financial independence. This book has the potential to reshape one’s mindset and open up a world of possibilities.Lastly, I must commend the author for his ability to inspire and motivate readers. Kiyosaki’s writing style is engaging, passionate, and thought-provoking. His genuine desire to empower others to achieve financial success shines through every page, making “Rich Dad Poor Dad” a truly transformative reading experience.In conclusion, “Rich Dad Poor Dad” is a must-read for anyone seeking to gain financial knowledge, reshape their mindset, and create a solid foundation for long-term wealth. Its empowering lessons, relatable storytelling, practicality, emphasis on financial literacy, and inspiring approach make it a book that has the potential to change lives. I highly recommend “Rich Dad Poor Dad” to individuals of all ages and financial backgrounds. Pick up this book, absorb its wisdom, and embark on a journey towards financial independence and abundance!

The book arrived in good shape and was new as ordered so this review will be solely for the content of the book. The book has some useful information on how to build wealth and sustain it. The pages where financial education and the cashflow quadrant are important in order to be wealthy and understand money. Additionally, Kiyosaki stresses the importance of obtaining assets that build wealth and bring in income which is good advice as well. These tips make the book worth reading over at least once if not more. However, Kiyosaki also stresses that the K-12 education system, as well as college, keeps people “poor”, while it is true that school does not teach you about money, it doesn’t necessarily keep people poor. As for learning money in college, the “finance” majors would disagree in saying that school does not teach you about money. Furthermore, individuals that study medicine and become surgeons or other professionals in their field are not necessarily poor as well. Additionally, Kiyosaki claims that his doctorate father in Physics was “poor”. This is a big generalization because the chosen field of the doctorate degree also makes an impact on earnings as well as which field you go into after obtaining the docotrate. All being said, this book is definitely worth a decent read and I might also add that rule #1: “Rich don’t work for money” is true as employees can do the work for you and you pay them but when starting a business from the ground up, the initial 5-10 years give or take (based on the business type) is when you really have to work extremely hard to be able to make a profit to afford employees. This is true today as Apple, Amazon, and Microsoft all started from basically nothing to being the corporations they are now where they have thousands of employees. Additionally, having “money work for you” makes you dependent on your employees (corporations exempt of course) and you do have to treat them correctly, or else your money won’t work for you. So there are these nuances throughout the book with generalizations but it is still worth a good read.P.S. Kiyosaki’s own company went to bankruptcy and there is no documented reserve of wealth prior to his publication of this book in 1997.

This book is awesome and mind changing!

Enjoyed the story of this book recommended

Rich Dad Poor Dad” is a must-read for anyone who wants to shift their mindset about money. I gave it 5 stars because it challenged the traditional beliefs I was taught growing up and opened my eyes to the importance of financial education.Robert Kiyosaki uses a powerful storytelling style to compare the lessons he learned from his two “dads”—one rich, one poor—and the contrast is eye-opening. It helped me realize how vital it is to understand assets vs. liabilities, the importance of investing, and why working to learn is more valuable than working just for a paycheck.This book is not just about getting rich—it’s about becoming financially smart and breaking free from the cycle of living paycheck to paycheck. It gave me the confidence to start thinking like an entrepreneur and take control of my financial future.Highly recommended for anyone who wants to grow financially, change their mindset, and build true wealth.

I just finished reading Abundance, by Ezra Klein & Derek Thompson. This is an excellent book, clearly written and well documented. An alternative title might have been, Supply Side Economics For Liberals. As the authors phrase it, “This book is dedicated to a simple idea: to have the future we want, we need to build and invent more of what we need.”From a Republican perspective supply side economics meant getting the government out of the way so that corporations and markets could work their magic. But what about those things that are needed that the markets can not produce, things like clean air, clean water, clean energy, affordable housing, education and health care?Interestingly, in the 70s there was a broad consensus on the need for legislation to protect our air and water, so broad that Richard Nixon (of all people) signed transformative legislation that has been remarkably effective. Much of this and subsequent environmental legislation was designed to prevent corporations from polluting. It used procedures and requirements that added costs but ultimately diminished much (though certainly not all) of the pollution they were creating. This can be viewed as government by regulations and law suits.The authors argue convincingly that it was the success of the environmental movement that led liberals to use the same strategy to achieve other goals. Unfortunately, a strategy effective at getting an entity to stop doing something is not a good strategy for getting that entity to do something, like build more affordable homes, improve education, or increase health care.As layer upon layer of regulations grew it became increasingly difficult for corporations, the government and others to do much of anything. Rather than focusing on outcomes liberal became obsessed with process. To support this thesis, they contrast the decades long failure of California to build a high speed train between Los Angeles and San Francisco with the astonishing success of Pennsylvania to rebuild a damaged section of I-95 in a matter of weeks rather than years. These goals were laudable, but the emergency declaration and single focus of the I-95 rebuild made all of the difference. Some outcomes are so important that it is reasonable and necessary to bypass some existing requirements and standards. The important thing is to get the balance right.With a better balance of worthy goals and reasonable restrictions Klein and Thompson argue that we can create a society of abundance. Redistribution of wealth and resources are still important, but insufficient to achieve this aim. With the Republican party saddled with a leader of chaos and stuck in an economics of scarcity the Democrats should open themselves and the country to an era of abundance.

Authors are informative in their way, but open little new ground. They are a bit loquacious, too often unfocused, and rarely practical in their approach to undeniable problems. We do need to know about, and must not turn our backs on the issues addressed here: housing shortages, lagging inventiveness, governmental sclerosis, and climate issues. Particularly in the current retrogressive administration into which we have been dragged by a semi-conscious plurality, we need to keep our collective eye on the ball. However, the authors (they seem to admit) are largely relegated to the role of cheerleaders for lack of practical – and practicable – solutions. The authors do not address the two seriously complicating issues that stand in the way of theoretical remedies: (1) seemingly intractable and worsening income inequality, and (2) the morally bankrupt abandonment of decency by MAGAmerica. The authors’ self-flagellating placement of blame on (undefined) “liberals” does not shed any useful light on the path to solutions. The book is well worth reading, but be prepared for some annoyance and frustration.

Abundance is a timely and necessary book—clear-eyed in its diagnosis and genuinely inspiring in its vision. Ezra Klein and Derek Thompson lay out a compelling case that America’s core challenges aren’t mysterious or insurmountable—they stem from deliberate choices, many made with good intentions, that now stand in the way of building a better future. In the first half of the book, I found the discussions of what it looks like to build houses, high speed rail, advanced chips for AI, and the renewable energy infrastructure to be fascinating (and also provoking and challenging); the detailed explanation, with clear examples of regulations that slow progress, helps to make the policy prescription clear.The second half of the book is an equally fascinating exploration of scientific discovery and an indictment of the current funding landscape: It highlights how the current peer review system at NIH often suppresses novelty and deters risk (anyone submitting articles for peer review has experienced this—the veto vote from researchers unwilling to challenge their preconceived notions, but here applied to NIH funding). Plus, NIH tends to fund older scientists (the stats on this, now v. 30 years ago, are shocking). This is a problem, b/c many (most? need to go back and look; there is a stat on this in the book, I just don’t remember right now) breakthroughs of the past came from younger scientists. Klein and Thompson make the case for DARPA-style funding across all science—empowering program managers to place bold bets that have historically driven major leaps forward.Crucially, Abundance also confronts the troubling disconnect between American innovation and American production: we invent transformative technologies like solar panels, EV batteries, and computer chips, but we fail to manufacture them at scale due to absurdly high labor costs and (in the CHIPS Act & Pres. Biden’s climate bill) an insane list of irrelevant requirements from companies.I think this is right, from the Amazon synopsis: “Abundance is a once-in-a-generation, paradigm-shifting call to renew a politics of plenty, face up to the failures of liberal governance, and abandon the chosen scarcities that have deformed American life.” I hope it lights a fire under policy-makers.

I liked the author’s podcast interview by the respected, data-driven and the whimsical Mad Fientist. I bought this book for two important reasons: it was self-published and the author’s persistent reference to Jack Bogle’s genius. I support self-published financial authors because the traditional publishers deploy editors to tweak the author’s voice, and original story, to make the final “processed” book more sellable. Instead, self-published authors do not have to satisfy shareholders or generate sales, so the author’s message about Bogle’s investment philosophy and the company he founded, Vanguard, remains organic for the readers’ best interest.This book is perfect for beginners, and some seasoned investors who are sick and tired of searching for that short-term investment miracle. Collins stuck with Bogle’s purest message from the beginning to the last word. As a Bogle devotee myself, I appreciate his courage to stand up, write a terrific book and argue effectively for the powerful and low-cost indexing strategy and against the delusional appeal of day-traders, hedge fund managers, active management strategies, timers, or individuals who claim they can successfully speculate and win big. Far too many normal investors get caught up in those phony, but exciting fantasies and lose. The new guy or gal investor gets the skills to construct a simple portfolio you understand, and then have the courage and the confidence to permanently ignore the media’s seductive financial noise machine.The Simple Path to Wealth’s basic message to beginners is well-known in the Do It Yourself (DIY) and ESPECIALLY for the Youthful Financial Independence (aka FI and FIRE Financial Independence Retire Early) community.• think long-term• live below your means• plan ahead with a fully diversified portfolio (except international stocks, more on this below)• invest in Vanguards low-cost index fundsSooooo, what is not to like? I’ll admit it’s a boring plan, and not all DIYers embrace it. But I love my boring plan and it’s exactly where the power of what we can do lies—after setting up our plan, we must be patient.Collins writes much about psychology, for good reason. The power lies with us. It’s not us versus the big intimidating stock market. With time and experience, we learn to be psychologically tough for long periods of time. In the movie Wizard of OZ, Glenda told Dorothy that she “always had the power to go home again?” It’s the same for us investors. All of the features of constructing a balanced plan remains under our control. It fairly easy to learn. But the hard part is the unfair and counterintuitive psychology. Thinking long-term is the best antidote. Over time the growth will pay enough of a return to meet or beat the inflation rate. Meeting or beating inflation is a simple, realistic goal, and psychologically attractive. This book shows you how to like saving with minimal time and effort to discover the investing process.Patience, psychology, and philosophy are a difficult sell. Many investing aficionados are more interested in the adrenaline rush and chasing the opposite sex than building wealth over time. The market is not something to conquer or control. It is simply made up of wonderful organizations of hardworking people, called publicly traded corporations. The author explains how to harness all of that positive corporate energy, and just flow with it, whether it goes up or down, and over time it goes up. The author addressed the tough sell challenge with elegance and subtle toughness.The author discusses investment costs, taxes, tax-deferred retirement plans offered by employers, the retirement years and strategies to keep from running out of money. My favorite chapters are “Why I don’t like Investment Advisers” and “Some final thoughts about risk.” Financial advisers are an easy target with hundreds of reasons not to like. Most of us DIYers will never need a financial adviser, for two good reasons: Collins writes “Nobody cares about your money more than you do,” and “you can learn to manage your money yourself with far less cost and better results.” From my personal experience, knowing how to save investment costs alone was enough to pay cash for the Tesla Model S.On the subject of risk, my favorite part, and I quote as the author was speaking to the zombie apocalyptics among us especially the financial media: “Major Armageddon extinction events, like the asteroid that took out the dinosaurs some 65 million years ago, have happened about five times. So that’s about one every 10 million years or so. Are we really arrogant enough to think it’s going to happen in the geological eye-blink we’ll be around? That we’ll be the ones to witness it? Not likely.” Economic Armageddon ain’t going to happen either.There are a few minor omissions. The author is not well known, so he needs to talk more about himself about what he did. I felt like he had more to say as examples of his fears of risk and the mistakes he made. All of that would have made the book even more authentic and organic. What was the role of his wife? What exactly did the author and his wife do for a living? He did report that he worked as a financial analyst. So, was he in the financial industry? He did not explain why he had an overly aggressive portfolio for an individual in his 60s. He did not share his diversification plan, except that he doesn’t own international stocks (he explains why).Consequently, I give him an A for telling us how to set up a portfolio and his rationale, but I give him a B for not showing what exactly he did and for how long. His rationale is spot on, but portfolio construction and asset allocation strategies and information can be found in many books (The Boglehead Guide to Investors, any book written by Jack Bogle or his followers, Ferri, Swedroe, Roth, and Bernstein).• Some other minor items that I found perplexing and discouraging for people starting out. On page 246, he writes, “Save and invest at least 50% of your income.” What? I reread this twice, and could not comprehend why the author wrote this. In my working career, I could not even contribute the maximum allowed in my 403(b) plan let alone save 50% of my income (No, I never had new car payments because I could not afford car payments and invest too). Yet, I reached financial independence at age 61. 50% of one’s income is overreaching and dangerously discouraging (unless you are a highly elite and talented employee with a 7 figure income). For the rest of us, just start with what you can afford. For example, I started at age 37 with $200 a month in my 403(b), and that was a lot out of my meager income. But I kept it up for 24 more years.• Back to his strategy about avoiding international stocks. The author knows he will get pushback, and he probably has heard my argument for international investing many times. Mr. Collins is just following Bogle’s advice about keeping it simple. But one can have it both simple and fully diversified worldwide by one fund. Diversification means investing in all available stocks, worldwide. So, let’s take advantage of these opportunities to invest in just one fund, the Vanguard Total World Stock ETF (VT). The author won’t have it. IMO, the author might be reflecting his age and the Familiarity/home bias that is so frequent with the silent generation. The author writes investing in the United States domestic market is enough diversification because of the worn-out 21st-century global connections argument. He offers what appears at first glance valid reasons, but they are out-of-date, and one about excessive costs is flatly wrong. Vanguard’s Global fund charges .14%. I don’t know about you, but the opportunity to invest in all publically traded companies on the planet is inexpensive!Also, I am 74 years old and old enough to remember my elders saying that is too risky to invest in foreign stocks. We are well into the 21st century and the world has changed. Don’t you think that international corporations want to grow and prosper too? Of course. Don’t you think opportunities for diversification have evolved for the better? Yes. I want as much diversification as possible to reduce equity risk, and reduce volatility. I might even get higher returns, but that’s not part of my expectations. The global index funds or ETFs make full diversification in just one investment a synch.• Another minor objection is his downplaying the Roth IRA. I think he over-complicated with trying to predict the tax rate to decide to use or not use the Roth IRA. It’s futile and a waste of time to guess the future. Not having to pay capital gains taxes after investing in the Roth IRA is one of the best strategies for us regular investors (You can run the numbers on a brilliant Excel program created by The Finance Buff). After running the numbers on the Excel program, you will be thoroughly convinced to include the Roth IRA in your plan.• One last objection. I recommend to readers who don’t have a “lump sum” that is, a bundle of money to invest already, that you ignore the “Why I don’t like dollar-cost averaging” chapter. I had to use DCA during my entire working career investing in my 403(b). Because I started from NOTHING and had less than $50,000 for years. If you have a lump sum to invest, follow the author’s advice. But I think I can speak for most investors who have little choice but to use DCA. His opinion about DCA was more discouraging than encouraging.Collin’s strong opinions about some of his investment ideas represent more of his individuality than sound investment practice. Of course, the author never intended to be discouraging. I am just responding as a reader with a few of my opinions about his outstanding work. That’s perfectly fine for him as his opinions worked for him and they might work for you too. My opinions worked well for me. In the final analyses, he follows the “Boglehead” way. For that, I am delighted he wrote a great self-published book showing once again the work of the legendary investor, advocate, and teacher, Jack Bogle. Outside of these minor differences of opinion, Mr. Collins earned a well-deserved five stars.In sum, if any author self-publishes a book about investing, I think it is important to readers to know that the message is organic—no other agenda item hangs in secret, other than to explain and layout a simple plan which will connect with new investors and get them results.

I am recommending this book to everyone! I’m a big proponent of financial literacy, esp when it comes to females being in control of their money. I’ve read many books on overall money management and investing in the market, but this book took the cake in terms of having a GREAT overview on how to understand the stock market, in layman’s terms, and how to invest SIMPLY without the added stress of not knowing where to put your money or what it’s even doing for you. Also, why get a financial advisor when you can just do one or two simple investments? Yes the author is a HUGE proponent of Vanguard, but I guess his preference for using them, makes sense. But at least he also advises where else you can put your money using other investment platforms that are like in kind. A MUST read whether you’re close to retirement or just starting! Go pick it up or download like I did! Now I have the hard cover and audible versions and sooo worth the purchases!

I read a lot of books – financial books, real estate books, stock books, life books, etc. Most I think are just OK. Infrequently do they give me what I am looking for. Only rarely would I say that a book gives you meat and potatoes. Substance. Real concrete direction.I just finished – The Simple Path to Wealth and I enjoyed it. You can read it in 2 days.The short version of this book is a simple life philosophy which we all know (but not everyone does) – spend less than you make, save and invest excess money, and try not to do dumb things. Ultimately his advice is to buy the Vanguard total market fund (VTSAX) and a Vanguard bond fund (VBTLX) in a 75/25 percent split and let it rip tater chip. Statistically you’d be wealthy 96% of the time. Average returns of 12% over the life of the fund.If you are older 60+ and retired you would not get a lot out of this book, but I think it is excellently written for a young person. It provides a clear and concrete path to wealth. It provides reason and direction in a simple format to guide a newbie like a grandchild, or niece/nephew. It is NOT a complex discussion on P/E ratios, Expense Ratios, or technical analysis. It is a simple straight forward guide on how to map out your wealth building future using the stock market and conservative life choices. To quote the Mandalorian, “This is the way”.Consider getting it, reading it, and then passing it on to some young pup.

A basic, simple read, but it’s meant to be.

A timeless book that highlights a clear pathway to financial success. I purchased five copies for my daughter and her husband and several of their friends. It has become a “standard gift” to the young people in our life that we care about!

Great read! The information and knowledge you will attain from this book is vast! So many wonderful tidbits we have been able to apply to our lives and our finances on our way to wealth.

This book, along with some personal finance podcasts, changed my life. I went from being a spender, to a saver, to an investor. As a result, through investing, I bought myself freedom.

Great book, I wish I had read it 10-15 years before to build more savings and simpler than i did so far.

I bought this book for myself, and then three more times — one in Spanish for my husband and two English copies as gifts for friends. That’s how much I loved it! Ramit Sethi explains personal finance in such a simple and relatable way that even if you’ve never understood money before, you’ll finally get it.He teaches step by step, with patience and clarity, as if he were guiding you like a baby taking your first steps toward financial freedom. The book is practical, motivating, and eye-opening. It completely changed the way I see saving, investing, and spending. I highly recommend it to anyone who wants to take control of their finances and build real wealth — without guilt or confusion.

This is one of those rare personal finance books I actually keep coming back to. Whenever I have a question about money, whether it’s optimizing my credit cards, thinking through investments, or just needing a reality check, I flip through it for a refresher. It’s practical in a way most finance books aren’t.What I appreciate most is how clear Ramit’s advice is. He doesn’t just tell you what to do, he explains why it matters and walks you through the reasoning. No confusing jargon, no vague platitudes, just actionable steps you can actually take.And here’s the thing: he’s not trying to sell you anything. No affiliate links for investment platforms, no pitch for his courses buried in the chapters. It’s just solid, honest advice from someone who wants you to get your money right.I’ve sent this book to all my younger family members. If someone I care about is just starting to think seriously about their finances, this is the book I want them to read first. It builds the foundation they need without overwhelming them.If you’re looking for a straightforward guide that you’ll reference for years, not just read once and forget, this is it.

This is my favorite book that I return to over and over again. It is the one I gift the most frequently to friends, family, and recent grads. From my own experience, I disagree about this book not being for people under 20 (while simultaneously agreeing, so let me explain).I read most of the book when I was 18 as an undergrad and revisited a couple time till I graduated college and got my teaching credential at 25. I both read and scanned, sometimes without fully comprehending and without being able to implement, well, really any of the recommendations. And yet, the guidance was still super useful because I didn’t make financially unsavvy decisions that would delay my being able to set up a savvy, automated financial system upon graduation and earning an income.For example, I saw a lot of my peers making decisions such as buying a new car upon receiving their first paycheck or two because they could afford the payments (or even prior to graduation) – the payments that would put their fixed costs at 90% of their income and cause them to live paycheck-to-paycheck with a ton of stress!!This book gave me the vague and general understanding of what I was going to try to set up before I had the means to do so, before I was even earning a real income.It helped me determine and sort out my financial values and figure out how I wanted to live my life.It helped me choose a financially responsible spouse who also read the book. Ramit’s guidance helped us arrive at similar financial values and systems from the start. We’re so glad we have the tools to talk about money without stress. We’ve had many friends speak to us about how they have such a hard time talking about money with their partners because the partner just shuts down about it. We sympathize, and as a result of their transparency about their own struggles, we don’t take for granted how empowered we are because of this book. (And how brilliant of Ramit to supplement with his podcast of the same title to listen to couples have these conversations)The book is easy(ish) to follow. I would recommend just accepting that you won’t understand everything the first time through, but I realized later that I understood more than I thought and rereading sections really helped. I love the way it is organized into “weeks.”Each “week” has steps that are actionable and gave me *the* guide to set up my finances. What’s great is you can sort of “pause” at certain weeks when it takes longer to set up what you need to. For example, I graduated with about $4,000 in credit card debt. I read on so I know what was coming, but I had to pause after Weeks 1-3 as I prioritized paying off that CC debt (which I did within 4 months). I was able to create a debt payoff plan: I chose to use my student loan grace period to pay off the CC aggressively, then start paying off my student loan debt with minimum payments while building up the funds to open my Roth IRA at Vanguard, and so on.I automated everything and literally one day looked at my Roth and was like, “How did I get so much money?!” And that’s on a teacher’s and adjunct university lecturer’s low pay! I’m not kidding when I say it’s almost like it happened by accident – I set up everything immediately after college graduation and never felt like my life was limited or lacking from putting aside money each month. I was able to determine which order to pay things and how to allocate my paycheck. I’ve been able to keep my fixed costs low and build up a nest egg so I am under little financial stress, even through my periods of low pay and job insecurity.I just can’t say enough good things. Read it now even if you can’t implement. Read it even if it doesn’t make sense to you (yet!). It’s so worth it.

This is a great book for those who have not studied financial management. It introduces all of the basic as well as some advanced concepts on how to grow your wealth.

Illustrative, inspiring and with practical concepts. This book clarifies things that I happened to know by experience, an some things that I didn’t know

Jim Collins states in his book, “Good is the enemy of great. And that is one of the key reasons why we have so little that become great…We believe that almost any organization can substantially improve its stature and performance, perhaps even become great, if it conscientiously applies the frame work of ideas we’ve uncovered.” After reading that statement I became very curious and wanting to continue reading to see what are the components that make a good company to be a great company, in hopes of maybe being apply it myself one day I really enjoyed the way in which Collins organized the book. From his five year research study of 28 different companies Good to Great discusses key critical concepts revealed through his studies as to why some companies became successful great companies, while the others continued to be good. Collins found from his research within a great company you will have discipline people, with discipline thought, drives discipline actions. Within each discipline it is broken down into a subset of two components:I. Discipline Peoplea. Level 5 Leadershipb. First Who… Then WhatII. Discipline Thoughta. Confront the Brutal factsb. Hedgehog ConceptsIII. Discipline Actiona. Culture of Disciplineb. Technology AcceleratorsI believe by organizing the book in this matter enabled me to really understand the severity of the critical components and how their relationships if applied will in allow a good company to become a great company. Starting with Discipline People, Collins conducted and analyzed his research by introducing the types of leaders you would find in a great company versus those in a just a good company and the characteristics that these great leaders possessed, such as humility and will. They lead with the interest of the company and not for their own selfish reasoning. Next was the First Who …Then what which discuss getting the right people on board and the wrong people out. Collins states, “People are not your most important assets. The right people are.” Collins stresses the importance of first getting the right people in the right places in your company and weeding out the wrong and then figure out where your company wants to go.Next is the Discipline Thought, within the subset of discipline thought a company must possess the ability to confront the brutal facts and not live in denial. Being able to do this will allow the company to stay updated and proactive when faced with making decisions. Collins presented a methodology for the companies to be able to face the truth. He says an organization must lead with questions not answers, engage in dialogue and debate, and use the “red flag mechanism” where anything that is red flagged is information that cannot be ignored and must be handled immediately. Collins also mentioned under the category of discipline thought is the Hedgehog Concept. The Hedgehog Concept is about a Fox and Hedgehog, where the Fox (good companies) knows a lot about variety of things whereas the Hedgehog (great companies) knew a lot about one thing. Being hedgehog is more beneficial for both the company and the individual because it the clarity drives focus and direction whereas the fox has neither one direction nor focus which can backfire later down the road.Lastly, having discipline people with discipline thoughts will drive to discipline action which uses the culture of discipline and technology as another tool to help transform the company from good to great. Collins also refers to the Flywheel Concept. He says that a good to great company never happens all at once it take a lot of effort and time to get it going, like the flywheel. The flywheel requires a lot of pushing to get it to turn and after x amount of time it will begin to gain momentum.Throughout the book Collins gives great examples for each discipline and its component and how it either went from good to great or continued to be good. Along with the examples Collins provides pleather of diagrams and charts in the appendix, which becomes a great reference for the reader and creates a better understanding of what is needed to go from a good company to a great company. Generally the book is a very easy read which makes it that much more interesting to want to apply to your company or even for yourself. It takes the feeling of the impossible away, like Collin stated, “We believe that almost any organization can substantially improve its stature and performance, perhaps even become great, if it conscientiously applies the frame work of ideas we’ve uncovered.” Overall if you are looking to transform your company, Good to Great is a read that I highly recommend.

Cut to the Chase:A well-written synopsis of 11 “great” companies and some of their similar characteristics, this is a fun, quick read that is great in terms of party trivia and information… but it’s tougher to judge if you’re looking for more of a business how-to. Partially, it has aged poorly — many of the companies selected have since had meltdowns of epic proportions (for example: Fannie Mae, Circuit City), and the “how to” part of the book feels generalized and far more subjective than the methodology/selection criteria would have you believe. Still, you’ll learn quite a few fun facts about how some of these business started and/or converted to become the giants they are today.Greater Detail:The main premise of this book is that though there are many very successful, long-lasting corporations out there (Coca Cola, GE, etc), there are a handful of companies that transcend just long-lasting durability, and become truly “great” companies. The selection criteria (mostly explained in the appendices) identified 11 “great” companies out of 1,435 analyzed, mostly via things like stock performance (the companies chosen were at about market average for about 15 years, and then jumped to being about seven times better than market over a period of 15 years, hence the title: good to great).The idea was to then take a more in-depth look at the 11 companies to see what similarities existed, and to then compile kind of a how-to in terms of what distinguishes the greats. Some of the ideas explored are things like:1. The Level 5 Leader — Collins proposes the idea of a leadership hierarchy of skills; a Level 5 leader is a dual personality of sorts — someone who is basically modest, but willful and stubborn, almost introverted and shy, but simultaneously fearless (this is kind of the opposite of say the CEO-centric view where Apple was in part defined by Steve Jobs as a leader and a personality, Bill Gates by Microsoft, etc). He argues that the Level 5 leader is someone who does what’s in the best interests of the company — no matter what (preparing for crises before they happen, sacrificing part of their lives often, etc). Counter examples given are leaders who so define the role that they’re unable to appoint successors, or have a successful successor — the argument here is about systematic management, filling the role that the company needs, for the good of the company, and almost without personal ego.2. The Flywheel and the Doom Loop — Even though the media sometimes portrays changes as though they’re instantaneously effective or immediately impactful, in reality, most companies that are successful slowly build momentum via a flywheel effect, constantly confronting the “brutal” truths and having faith that with discipline and continued effort and momentum, a breakthrough will happen. The Doom Loop is when there is a lack of patience that leads to continued cycles of new leaders, new directions, and new innovations, without ever waiting to see something through.3. The Hedgehog Concept — This is the concept of doing one thing really, really well. Here the argument is that you don’t have to be the best at everything, that Walgreens became a great company by getting rid of its restaurants (it had over 500 at one point) and focusing on what it was strongest in — being a convenient drug store. It focused on location, location, location (always being on a corner, for example), offering 24-hour pharmacies, flu shots, expanding into poorer neighborhoods, and being an almost pervasively convenient option for its customers. It basically asks companies to think about what they can really be best at and specialize a little, find something they are passionate about that they can truly excel at.As I’ve said, it’s an interesting read. and in terms of things to make you think, there’s a lot of good cocktail party fodder — is it better to have an invisible leader who sacrifices everything for their company? Or is there benefit to having a targeted leader to focus on (the Zuckerbergs and Jobses, leaders who are synonymous with a company’s image). But if you’re reading it now, more than a decade after its initial publication, it’s hard to take it as seriously when it talks about Fannie Mae (which has gone through a federal takeover/bailout) or Circuit City (which has filed for bankruptcy) or even Wells Fargo, which has had its share of legal and financial troubles. Also, though it’s a nice retroactive, backwards-looking book about what has helped 11 particular companies, it’s hard to know how much is truly applicable going forward. So in that sense, it’s less of a how to go from good to great, and more of an interesting, almost historical read, about how these particular companies made the jump (and then sometimes plummeted back).Comparisons to Other Books:I had a similar experience with Collins’s Built to Last, which was supposed to detail the successful habits of “visionary” companies. It was a fun synopsis of a six-year research project by Stanford, and I learned all sorts of interesting trivia, but, as with many books that are backwards-looking studies of still-in-business companies, it’s sometimes hard to take the overarching messages seriously knowing how some of the chosen companies have performed since publication. I think these are great books if you’re looking to read something interesting about the business world, but I’m not sure I’d really call them instructive per se.

A book about how to become a good leader. It was interesting to see the terms that were used. I was amused because my father taught me the very same things regarding being a successful businessman and leader. For the most part, my Dad did it by example…

I wish I had known about this 30 years ago. Having been retired now for 5+ years, it’s still hard to get out of the “autopilot “ mode of saving for the future. The author gives great advice on changing that mindset and living your best life through experiences.

This book covers a subject many don’t want to address. We all only have one life and it’s important we live it to the fullest. He makes some financial recommendations along with life adventures. You will probably be uncomfortable yet this is worth the read.

This book was so helpful and helping me to make decisions about how I spend my money. It was particularly timely as I am nearing retirement and am understandably anxious about drawing out of my retirement funds. At the same time, I know that people in my age group ( I am in my 60s ) should travel and do those types of activities since the older you get the less likely you are to be able to do so. The author provides a good philosophy of the point of acquiring money, and also how to spend it based on your values and living a fulfilling life.

This was truly a mind changing book for me. It completely changed our post-retirement asset allocation plan (aka how we ate passing our $ on to our kids and relatives). But it also refocused how we spend our money on experiences. Wish I had read it 30 years ago!

Die With Zero contains a controversial and thought-provoking concept, which is to plan your life so that you purposely spend all of your wealth by the time you die. To maximize a person’s life, the author (Bill Perkins – NOT a financial advisor) recommends that most people should begin spending down on their retirement savings between 45 and 60 years of age (depending on one’s estimated life expectancy) so that they will reach zero net worth by the time they pass away. In theory, this plan is a great idea. In reality, this idea is impractical and down-right dangerous given that it’s impossible to predict the timing of one’s demise.I strongly disagree with many of the points in this book, starting with the notion that any money earned during a person’s career is “wasted” to the extent that the person dies before spending it. In other words, the author is saying that money has no value unless it is spent during one’s lifetime. In my opinion, this is wrong for several reasons. As just one example, having savings in the bank gives many folks the feeling of financial peace and security. If you don’t believe such a feeling is valuable, just ask anyone who has ever lost sleep worrying over unpaid bills or a lack of retirement savings.With that said, I found other points in the book that are worthwhile, including:1) everyone should be mindful of how they spend their time and money (i.e., consider whether the daily Starbucks routine is a better choice than saving for front row concert tickets or a summer vacation and regardless how you answer that question, it’s empowering to know you have a choice),2) a fulfilling life has more to do with amassing memorable experiences than increasing the size of one’s bank account,3) plan to spend some money on experiences while you can still physically participate (don’t wait til retirement to buy a ski boat b/c most 70 year olds can’t water ski),4) retirement planning should include the concept that spending varies during your golden years (most retirees are more active/spend more $$$ in early retirement and less as their health declines), and5) deferred gratification (i.e., saving for an emergency or retirement) is wise, but denied gratification is not smart (i.e., work until you die without stopping to smell the flowers along the way).Overall, I completely disagree agree with the main message in this book. Personally, I’d rather die with a pile of unspent money than take a chance of outliving my savings and end up eating dog food for my remaining days on earth. For financial planning advice, I definitely don’t recommend this book. However, it is valuable in the sense that it provides a different perspective on retirement savings and made me think more about my future.

This book changed my whole perspective on financial planning. I thought it was such an important read that I gave it to all 3 of my adult children. I want them to learn these lessons in their 20’s rather than their parents learning them in their 50’s.

This is not a retirement book per se. Rather, it is a simple reminder to life your life to the fullest, take chances while you are younger and more easily able to do so and to spend your money on experiences that bring you and your loved ones joy.

Excellent read for people of all ages. I highly recommend this book for younger people. I’m middle aged and this has opened my eyes and analyze the way I’ve been living my life. I enjoyed reading this book.

Malcolm Gladwell returns by revisiting the topic of his first book: The Tipping Point. As he states right at the beginning (pg 7) “I want to look at the underside of the possibilites I explored so long ago. If the world can be moved by just the slightest push, then the person who knows where and when to push has real power.”Gladwell writes the book in a style that will be familiar with anyone who has read his previous books. He is a gifted storyteller and each facet of the argument he is trying to make is introduced with a story.(Spoilers from here on out)Summary: Gladwell tries to find the mechanisms that explain the opioid epidemic in the US (prescription and illicit drugs). Gladwell shows how Purdue Pharma, along with guidance from the consulting firm McKinsey, leveraged certain concepts about the nature of epidemics to create the current crisis.Through the process he explores concepts including, “small town variation,” “overstories” – which he explains is his word for something resembling a Zeitgeist, revisits “tipping points” and monocultures among other topics.Central to his perspective is the way that stories shape our perspective, and how those who tell stories can shape the public consciousness. He gives a number of examples that capture this vividly.Along the way he grapples with some knotty moral questions. He explores engaging with minor discrimination to prevent vicious discrimination. He raises the issue of better methods of identification of potentially leading to profiling disadvantaged groups (in his primary example, the COVID virus was more likely to spread from people who were elderly and overweight.) He has an interesting perspective on Ivy League schools like Harvard using sports teams to maintain the student balance that they desire.Why should you read this book?- Gladwell is a writer who is not scared to ask big questions or explore knotty issues. His discussions about discrimination and about the way that the introduction of Purdue’s OxyContin gummies actually exacerbated the situation raises some challenging questions.- Gladwell’s writing style is engaging and fun to read. I read the book over a 24-hour period and am sure many others will do the same- Gladwell brings up anecdotes and stories that are not well known and will likely cause you to reconsider how you see things that you thought you knew.Some other notes:- Gladwell has stated at public lectures that looking back, there are aspects of his earlier writing that he no longer agrees with. Gladwell is someone who is clearly constantly exploring and learning and is not afraid to change his perspective on topics. I view his writing as deeply thought provoking but do not assume they are hard facts. (In this book, I have a hard time seeing how Madden’s triplicate forms would be considered an ‘overstory’ rather than a technical reality that impacted the drug epidemic.- Many of Gladwell’s previous books have introduced ideas that were widely adopted (tipping point is just one of them), so I would expect ideas from this book to circulate pretty widely.- This book does not discuss how social media impacts public opinion. It never mentions ‘fake news,’ contemporary politics, or other aspects of modern society (in 2024) that I had expected from the title.Is it for children: The book talks about Medicare fraud, drug abuse, suicide, White Flight and the Holocaust, so there are quite a few heavy topics. I do not recall any profanity or sexual content.Conclusion: Gladwell has put out another fascinating book that spans a wide range of topics and is sure to leave you thinking. It is a quick, engaging read, even as some of the topics are quite heavy.As with Gladwell’s other books, it is sometimes hard to tell if everything seems to be tying together neatly because in fact they do, or if it is Gladwell’s skill as a writer that makes it seem so. Reviewing the notes I wrote on the book, there were aspects that I was not sure fit perfectly, though that may be an indication of the limits of my understanding of the book, rather than a flaw in the content.Overall, it is a fun read that is thought provoking. And as noted, because Gladwell is so widely read, it seems likely that elements of this book will become widely known and shared. Interestingly, he touches on some ideas from The Tipping Point but almost never references them directly or even acknowledges which ideas he discussed in his earlier book.

Good book. It’s a good light read, nice analysis of the opioid pandemic among other things. Like tipping point.

The title of this book could have been: “The Etiology of Change.” Etiology is a medical term meaning cause. And I use it here because Gladwell, as he did in the first Tipping Point, frames change in terms of an epidemic.The tipping point, of course, is the mass at which a duality moves inevitably, and often quickly, in the other direction. It’s important because all of existence is defined by dualities. Up is always accompanied by down. Left doesn’t exist without right. And so it is with the many social trends, such as housing, college acceptance, and the opioid crisis in which there are identifiable groups of individuals which share a distinguishing common trait (e.g. race, religion, addiction) within the larger group.The objective I believe the author is seeking is how to restore balance when imbalance shows its ugly mug. The search for balance is ubiquitous to nature because of the universal existence of dualities.The topics that Gladwell addresses (e.g., Why does Harvard have a women’s rugby team?) are as obscure as those he shared in the first book. And that alone makes the book informative and entertaining. He definitely has a nose for the obscurely interesting.And, as in all his books, the research is thorough and impeccable. He does, however, spend a lot of time quoting third parties in order to build his case. Perhaps more than necessary. I personally wish he spent more time expanding his conclusions. He has a strong enough reputation that he can assume our acceptance of his source observations.His conclusion, as I read it, is that we can understand far-reaching but perplexing social trends by looking into the details. The truth, or at least the greater truth, always hides there. And if we can uncover it, we can address the problem.Resolving the problem may not always be seen as “fair,” however. The solution, as he notes, is often counter-intuitive to society’s pre-defined solutions to the problem. And that’s where the book sometimes just stops. There are few real prescriptions for how to overcome that hurdle. I suspect Gladwell considered that to be beyond the scope of the book, but it did leave me wondering, “Okay, but what do I do with that?”To me, this is a book about context. We do tend to oversimplify everything in our everyday public discourse. And certainly in this election year the oversimplification is at a fevered pitch. We’re just yelling myths at each other. The world is far more complicated and nuanced than either political party is currently acknowledging.In that regard, this book is timely although Gladwell does not enter the political fray at any level. The book is more investigative journalism than opinion piece.Gladwell is lucid and profoundly curious. The book is an easy read, and you should be able to finish the book in just a couple of days. It is worth the time.

Of all of the Gladwell books—and we have enjoyed them—this may be the most page turning. It also may be the most important one to understanding the complications and critical tipping points of MODERN life, informing us of the critical factors in thinking about how to go forward with them.It is a valuable primer on social engineering that not many of us have been thinking about, but that should be more important to us in understanding TODAY’S sociology. It should be assigned reading in any sociology course at any level. It would also be the most popular assignment.

This is modestly interesting not very repetitive. The while book and it’s concepts could be covered in 1/5 of the pages and 1/5 of my time.

Thought provoking book. Interesting follow up to the original Tipping Point. Well reasoned and researched stories that are tied together in typical Gladwell fashion.

I ordered this as a gift and once they finished it I had a chance to read it. If you have read the original Tipping Point this is a “change of heart” and interesting to read – different point of view this time.

The insight shared here can be used in many aspects of our lives, certainly a must read. Gladwell gives us the tools to stop epidemics.

Many people dismiss this book and it’s concept because the author tells you that you have to purchase a particular type of Life Insurance policy and they don’t understand what this has to do with Banking. Those people who are the ones putting 1 or 2 star reviews, DON’T understand that the Life Insurance Policy is the Bank. Not in the brick and mortar function, but in the services function. You can borrow against your own life insurance policy when you need to fund a purchase, and then you pay YOURSELF back (with interest – you decide), and this money goes back into the policy, maintaining your wealth. Versus, having to go to a bank to borrow and pay them back with interest. Instead of them getting the money, you get the money. This is the ENTIRE concept of the banking aspect of this insurance policy and why it’s beneficial. In addition, once you pass, the policy pays out to your heirs. A smart way to do this, is to then take 30% of this payout and have a policy set for those heirs, so when they pass, their heirs also get the same benefit, and repeat for every generation. THIS IS HOW YOU MAINTAIN GENERATIONAL WEALTH. Imagining paying $1M into your life insurance policy over the course of say 20 or 30 years ($500/mo), and your policy is for $10M. When you die, you put in $1M, and your heirs will receive $10M. This is why EVERY SINGLE Wealthy person gets life insurance on all their family members. So whoever dies, the family estate receives $10M+ EVERY SINGLE TIME. And on top of this, you can borrow against your policy at any time, because it is a $10M policy and THAT is the collateral. So if you want to buy a $500,000 house for investment purposes, you don’t need to go to the bank anymore. You simply borrow against your policy, and the repayments are made to your policy. There are also ways to tie this into a Trust or Family Foundation, to minimize and even reduce your tax obligation.Does this makes sense now?Please understand that this form of wealth maintenance also has it’s own cost. A regular person working a 9-5 job @ some retail store, earning the minimum wage, won’t be able to contribute to such a policy. However, once you have created some type of wealth for yourself (by maximizing your income & not buying silly stuff), then you can apply these principals to maintain and grow your wealth. Heck, you can take out multiple policies.Remember, the old saying…. “It takes money to make money.” This is what this concept is about. You can’t do this without having some funds. You can start out with about $10k, but you have to make sure you can sustain the monthly payments for the rest of your life (think $250/minimum to make this worthwhile). Once you stop, you don’t get that money back. I suggest you speak to your insurance agent about this, and options for “Return Of Premium” in your policy. Again, this is about Financial Education, and not some short cut to wealth. THERE IS NO SHORTCUT.The ONLY SHORTCUT is Education. So, Educate yourself and your children about wealth creation and management.Also, it’s easier to make $10,000 than it is to save $10,000. Go out there and start hustling as hard as you can to get this going!

Great bankers book.

My book came on time in great condition.

I love this book good information to know

When I first picked up “Becoming Your Own Banker”, I didn’t expect to learn this much about how money works in real life. It was a little bit confusing at first because it talks a lot about life insurance and banking, but once I got into it, I realized the author was trying to teach a really important and different way to think about money.The book is about the “Infinite Banking Concept.” Instead of you borrowing money from a bank, you can use your own life insurance policy to borrow from yourself. That way, you can control your money, pay yourself back with interest, and build wealth over time. It’s kind of like becoming your own private little bank. The book used stories and examples to explain concepts in an easy-to-understand way.

There is one pool of money, and if you stay in control of as much of the money that flows through your hands, then you can control how it is used and who benefits from its use. You work hard so you and your family can enjoy what money provides. Over a lifetime, you control how your money is used. If you keep doing the same things repeatedly, expecting different results, you might never get anywhere fast. However, if you decide to break out and make a difference in your life and that of your family and those around you, you can take back control of your finances, which impact so much of our lives.This book has the ingredients; all you need to do is follow the directions. As an insurance agent, I have listened to this book about 6 times, and because this book was written for non-financial advisors, you will be able to use his examples and better understand how to put the systems to work for you.Do yourself a favor and find an accountability partner or someone like-minded who has read, understood, and can step through a plan with you to start implementing these principles. If you need help, find me, and I would be happy to set up a group/meet-up to discuss how to incorporate this into your life and start TAKING back control of your finances. Jeremiah Chevrolet Stephen

The book sale was quick and fast arriving ahead of time and in very good condition.The content of the book is awesome