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NEW YORK TIMES BESTSELLER • A revolutionary playbook for building generational wealth, no matter where you grew up—from the founders of the explosively popular podcast and financial literacy platform Earn Your LeisureYou deserve to be rich.You deserve to make a purchase without fear that your check might bounce. You deserve to go on vacation. You deserve to care for loved ones without worrying about bills. You deserve to live the way you want, without reservations or fear. You deserve freedom—financial freedom. If you agree, you've come to the right place.We grew up in New York playing basketball together. As kids, both of us were fascinated by finance, curious about the stock market and how money moves among systems and pockets. But we began to notice that—for people in our community—hard work wasn't enough. The system wasn't set up to help people like us turn our hustle into lasting wealth.We started Earn Your Leisure to change that. We never could have imagined the response. Soon our little podcast started to feel more like a financial revolution. But a podcast can do only so much. This book is our answer to the thousands upon thousands of people who have asked us for a detailed blueprint. The key to earning your leisure is to see money as a strategic tool for wealth development. In You Deserve to Be Rich, you'll learn how to:• Deal with the psychological toll of growing up living paycheck to paycheck.• Create income-building strategies outside your nine-to-five, from investing to side hustles.• Use passive income to put you in control of your time and lifestyle.• Master tax and insurance systems and identify (legal) loopholes to maximize wealth.• Navigate family financial drama and find ways to support your community.That's just the start. This book is full of tips, insights, and stories about real people, just like you, who have used the tools of wealth building to overcome barriers and build the life they want.You deserve to be rich. This is the playbook to make it happen.

Focus on Personal Finance is a brief, 14-chapter text covering the critical topics in Personal Finance courses. Focus is designed and written to appeal to a range of ages, life situations, and financial literacy levels. The active approach of Focus empowers students to successfully make and execute a plan for their financial future. The text encourages students to understand their current financial situation and goals by putting them in writing for ongoing guidance and refinement throughout their lifetimes. Each section is strategically designed around actionable items tailored to students. The depth of a student's engagement with the assessments, exercises, and accompanying worksheets directly correlates with the extent to which they uncover insights into their existing financial habits and discern strategies for enhancing them, thereby fostering a pathway to greater financial freedom.

The first and only comprehensive resource designed to empower everyday people with insider knowledge on moving money for a more equitable economy.The money myths end here. We don't need to choose between creating meaningful wealth for ourselves and our families today, or supporting social movements creating a better tomorrow. We don't all need to become certified financial'experts'to be economically empowered and make a real difference in our communities. And we're far from powerless when it comes to changing the financial system, just because we don't happen to belong to the 1%. Quite the opposite.Financial activism is how everyday people radically reimagine money as a tool for widespread well-being, instead of a weapon of absurdly increasing inequality. It's the antidote to traditional finance that evokes confusion, trauma, and (in the best-case scenario) straight-up boredom. It's how we-the underestimated-collectively resist systems that cause harm to people and the planet for the sake of profit, reclaim wealth that's been stolen, and redesign our relationships with capital and one another, in ways big and small.Going beyond tried financial literacy, The Financial Activist Playbook offers eight accessible, actionable,'choose-your-own-adventure'strategies for readers to experiment with. Drawing on timely insider knowledge from the worlds of impact investing, social justice, and more, Rashid illuminates a treasure trove of stories: demonstrating how people power can flow big bucks out of extractive industries, and into the economy of care and abundance we deserve. Playbook readers will be equipped to start visualizing and influencing the unique networks of wealth all around each of us, with strategies likeShifting collective budgets and bank dollars;Flexing our role as everyday philanthropists;Leveraging the magic of community investment;And so much more.Laced with refreshing humor, empowering exercises, and a steadfast commitment to truth-telling, Rashid takes readers on an energizing ride of financial possibility and practicality that will reverberate for generations to come.

Unravel the complex relationship between finances and life well-being In A Wealth of Well-Being: A Holistic Approach to Behavioral Finance, Professor Meir Statman, established thought leader in behavioral finance, explores how life well-being, the overarching aim of individuals in the third generation of behavioral finance, is underpinned by financial well-being, and how life well-being extends beyond financial well-being to family, friendship, religion, health, work, and education. Combining recent scientific findings by scholars in finance, economics, law, medicine, psychology, and sociology with real-life stories at the intersection of finances and life, this book allows readers to clearly see how finances are intertwined with life well-being. In this book, readers will learn: How dating, marriage, widowhood, and divorce are all affected by finances and affect them Why the relationship between parents, grandparents, children, and friends changes as finances fluctuate How finances affect choices of education, such as colleges, and how these choices vary across different cultures around the world A Wealth of Well-Being: A Holistic Approach to Behavioral Finance earns a well-deserved spot in the libraries of financial advisors, financial planners, investors, and all individuals looking to move beyond standard finance and enhance both financial well-being and life well-being.

Transform your financial present and future so you can give back to the people you care about the most In Millionaire Habits: How to Achieve Financial Independence, Retire Early, and Make a Difference by Focusing on Yourself First, popular personal finance educator Steve Adcock delivers a fun, insightful, and hands-on discussion of how to build financial security, retire early, and give back to the community. You'll learn to focus on yourself and your family first, creating personal wealth for the purpose of giving back to others. In the book, the author explains that “saving money” isn't a goal in and of itself, but rather the end product of the personal wealth equation: Wealth = Income + Investments – Lifestyle. You'll discover how to pay yourself first with concrete guidance and practical advice drawn from people who built wealth on modest incomes. You'll also find: Strategies for maintaining your physical and financial fitness so you can maximize the value of your assets Ways to turn your existing wealth into even more valuable investments that generate continued, passive income Methods to help you retire early and enjoy your financial independence at a young agePerfect for young professionals, working families, self-employed people, and anyone else seeking to increase their net worth and get more out of life, Millionaire Habits is the intuitive and engaging personal finance roadmap we've all been waiting for.

In Bounce Back, veteran financial coach and bestselling author Lynnette Khalfani-Cox explains how she slayed six figures of consumer debt in a mere three years and went on to build a seven-figure personal net worth. The author shows you how to take on—and defeat—the most common and difficult challenges facing Americans today, from debt, disability, and job downsizing to disasters, discrimination, divorce, and more. She draws on her own extensive experience helping people with their most intractable financial problems, the wisdom of other money coaches, financial therapists, certified financial planners, and psychologists – as well as the inspiring stories of everyday people who have bounced back from adversity. Emphasizing the critical importance of emotional, financial, social, and physical resilience, Bounce Back demonstrates 10 practical and hands-on techniques you can implement immediately to build your resilience and recover fiscally and emotionally from the most frequently experienced personal finance setbacks. You'll also discover: How to handle the ever-rising cost of living and the increased impact of high levels of inflation Actionable strategies for burning down your debt as fast as reasonably possible Practical advice for people who face discrimination and maltreatment in the financial, housing, and employment marketsAn essential and endlessly inspiring roadmap to a better financial tomorrow, Bounce Back is an expert guide to transforming a seemingly impossible challenge into a manageable setback you can overcome with skill, faith, and resilience.

Owning a property is a dream for many people, and borrowing from banks is often essential to achieve this. However, having a mortgage can cause real anxiety because of the latent fear of losing our home if we cannot keep up with mortgage payments. Traditionally, homeowners repay their debt over 25 years, but high house prices have made it necessary to increase the term up to 40 years to make monthly payments affordable. Spreading the debt over a longer period of time not only means that borrowers have to pay more interest, but they are also exposed to other risks such as potential interest rate rises and changes in personal circumstances affecting their mortgage eligibility. These can lead to financial worries, financial stress, and reduced well-being. There are few practical guides available to show borrowers how to manage their mortgage debt more effectively, and how to repay their mortgage quickly so that they are debt-free.This book seeks to empower consumers, young and old, by providing a roadmap to help borrowers achieve financial security through planning for the future, insuring their income, and setting up an emergency fund. It also outlines simple strategies for an early repayment of debt, including paying off the capital, making extra payments, and monitoring their mortgage debt. In doing so, it aims to help readers improve their general well-being, enhance their financial security, reduce their financial worries, and eliminate their ‘mortgage insomnia'.

Are you tired of feeling overwhelmed by your finances? Do you wish there was a clear path towards financial well-being? Look no further than Make Your Money Smile, the groundbreaking new book by bestselling author Jason Vitug, winner of the prestigious 2023 Plutus Award. Make Your Money Smile covers every essential aspect of personal finance with precision and compassion. Jason acts as your guide, sharing lessons and steps, and giving you knowledge and tools to conquer your financial challenges once and for all. In this book, you'll learn to: Manage Money: Elevating your banking relationships and going beyond budgeting to cash flow mastery. Earn Money: Optimizing your paycheck and discovering the many ways to multiply and diversify your income streams. Grow Money: Making money work for you, contributing to retirement accounts, and investing for financial independence. Borrow Money: Using credit to build wealth, enhancing your credit report and score, and eliminating debt once and for all. Protect Money: Safeguarding your identity, insuring your most valuable assets, and protecting your wealth through tax strategy and estate planning. Don't let financial uncertainty hold you back any longer. Take a step toward a happier future. With insightful commentary and practical exercises, Make Your Money Smile is your indispensable companion on your journey to financial success. This book will empower you to take control of your finances and chart your course to your dream lifestyle.

An easy-to-follow and realistic path to financial security and independence In The Roadmap to Financial Freedom: A Millionaire's Guide to Building Automated Wealth, veteran Certified Public Accountant and founder of Budgetdog Academy, Brennan Schlagbaum, delivers an inspiring and practical account of how he and his family paid off over $300,000 in debt. He'll also show you how you can apply the same principles to your own life to transform your financial situation. In the book, you'll discover how to track, grow, and protect your money as you work your way closer to financial freedom. You'll also find: Comprehensive strategies for crafting a plan to turn around your personal finances Ways to give to others that help you in your path to financial security Rock-solid budgeting techniques that help you get control of your income and spending patterns Perfect for members of new and growing families, young professionals, and anyone else seeking to redefine their relationship with money, The Roadmap to Financial Freedom is an intuitive, insightful, and hands-on roadmap to financial independence.

Few aspects of life are as important as personal finance, as subject to your control, and as suffused with misinformation, noise, and confusion. Now, authors Dr. Roger D. Silk and Katherine A. Silk cut through that confusion and share with you the fruits of their knowledge and experience developed over the last 43 years. After completing a Ph.D. at Stanford where he studied at the cutting edge of finance theory, Dr. Silk's experience includes managing billions of dollars at the World Bank and running a family office for one of the nation's wealthiest families. For the last 26 years as CEO of the nation's leading firm which advises high net worth individuals on financial and other aspects of their philanthropy, Dr. Silk has worked with countless individual investors and financial professionals. Katherine Silk, who holds a master's in history from Stanford, adds a valuable and often-missing historical perspective. Their weekly blog, dealing in depth with a variety of financial, economic, and planning issues, is read by thousands. Unlike many authors in the Personal Finance space, the Silks have the deep technical expertise (it's hard to get a graduate degree from Stanford without it), decades of experience, and the rare ability to express complex ideas in clear, easy-to-understand prose. When Gary Taubes wrote The Case for Keto, he considered calling it “How to Think About How to Eat.” Similarly, The Investor's Dilemma Decoded could be titled “How to Think about How to Invest.” Investor's Dilemma gives you the tools that 99.9% of investors never master — these tools allow you to understand how to think about almost any category of investment, and almost any investment product or program. In addition, the authors take a deep dive into topics including What actually generates investment returns (it's probably not what you think) Is owning a home an investment (you'll learn why the answer is sometimes yes, and sometimes no) Should you own gold (clue: the largest gold holders in the world are central banks) What is a hedge, and are commodity funds an inflation hedge What many well-known investment personalities get wrong on about returns (they tell the truth, but it's the wrong truth) What risk is, and isn't, and why the “safe” course might be the riskiest (but the government says it's safe). How professional financial advisors can add huge value to their individual clients (it's not by picking the best stocks) Should you read this book? If you want to understand how professionals think about investing, about what is realistic and unrealistic, and learn to spot the difference between a Bull Market and Bull-xxxx, the answer is yes.

Create a winning portfolio by understanding the realities of modern investing In Enrich Your Future: The Keys to Successful Investing, prolific author and investor Larry Swedroe shines light on the foundation of modern investing, enabling readers to create winning portfolios through simple yet effective strategies. Through a combination of analogies, personal anecdotes, and empirical evidence from peer reviewed journals, the book clearly explains how to play the winner's game, instead of simply following the crowd, speculating, and making brokers and fund families wealthy in the process. The book begins by first explaining how to put your portfolio on the right path, then how to keep a steady course during market uncertainty, when many investors fall victim to human nature, lose perspective, and make incorrect investment decisions based on fear and greed. In this book, readers will learn: How prices of securities are established and why it's so difficult to outperform on a risk-adjusted basis How to navigate various key decision points when designing your portfolio How to develop a conceptually sound investment strategy and reach your financial goals faster How playing the winner's game in investing will improve the quality of your life as well. Revealing the true nature of the modern financial market and changing the way readers approach investing in general, Enrich Your Future: The Keys to Successful Investing is an essential guide for individual investors and financial advisors seeking to make more informed and prudent investment decisions.

From an NFL linebacker turned Ivy League professor, discover realistic and foolproof strategies for building financial freedom in the modern world. Brandon Copeland's determination to succeed and create the life he wanted launched him from Baltimore to the University of Pennsylvania and then to the NFL. Over his 10-year playing career, he saved and invested the majority of his earnings, created other business opportunities, and motivated his teammates as the locker room's money professor. He returned to the same Ivy League classrooms midway through his football career to launch his Life 101 financial education platform, reaching thousands of students in person and online. Now, in this guide, Copeland breaks down his life-changing course into four digestible quarters: The Art of Hustle—optimizing opportunities and generating multiple streams of income. The Power of Growth—demystifying investing and making money work for you. The Commitment to Smart Spending—saving on major expenses and reducing everyday costs. The Promise of Legacy—unpacking dreaded topics like insurance, wills, and estate planning. Your Money Playbook is a bold, practical, and action-oriented blend of candid introspection and strategy to help readers confront their financial insecurities and commit to building new, game-changing mindsets and practices. This accessible and inspirational guide puts the playbook for creating the life you've always imagined right in the palm of your hand.

Discover the power of simplicity in the quest for financial empowerment In Simple Secrets to Becoming a Saving Whiz: Stop Feeling Overwhelmed, Take Control of Your Money, and Create the Lifestyle You Want, veteran financial educator Gina Zakaria delivers a compelling discussion of leveraging simplicity to approach personal finance. You'll learn to create momentum and foster financial empowerment as you reach successive, intentional milestones that build your sense of progress and accomplishment. The author shares her own personal debt story and how she accumulated over $105,000 in credit card debt through tiny, seemingly insignificant, actions. She also demonstrates how equally small steps—when taken intentionally—can help you climb your way out of debt and into a place of financial security. You'll also find: Strategies for breaking down your goals into subgoals that can be easily accomplished Grocery budgeting tips, along with simple shopping strategies, home systems, and effective routines for saving money with food and meal prep Methods for understanding the basics of bills, bill saving strategies, and debt savings using the author's popular “3A Method” An essential and effective resource for anyone interested in improving their financial outlook, Simple Secrets to Becoming a Saving Whiz is perfect for everyone who hopes to save more money, budget better, and make real, measurable changes to their personal financial habits.

Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite personal finance expert, Dave Ramsey.By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for.The Total Money Makeover will give you the tools and the encouragement you need to:Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball methodBreak bad habits and make lasting changes when it comes to your relationship with moneyRecognize the 10 most dangerous money mythsSet aside enough money to pay for unexpected expenses and emergenciesSave enough money for your retirementLive like no one else, so later you can LIVE (and GIVE) like no one else! This new edition of The Total Money Makeover includes new content that will help you tackle marriage conflict, college debt, and so much more.

'For the novice or first-time social justice investor, this easy to read and informative guide is a worthy resource. But even for the more learned and experienced, The Social Justice Investor is a well-done resource guide and refresher course... valuable for nonprofit leaders, social responsibility professionals, ESG managers, and financial planners.'--Forbes'[Longton] reminds readers that every investment, no matter how small, makes some impact on humanity and the planet.'--The Wall Street JournalWhether you have $100 or $100 million in your bank account, you have the power to change the world for the better. Having lived through recessions and pandemics, we all recognize the importance of financial well-being. But we are also living in a time of uncertainty, marked by injustice, climate crisis, and social change. How do we reconcile these two things--our financial well-being and our desire to advocate for a more just and equitable world? Perhaps you already donate to causes you care about, or you're looking to start, but the world of finance and investment feels intimidating, especially if you've never invested before. You know that money isn't the silver bullet to social injustice and economic exclusion, but it certainly can help!While our investments should bring returns that meet our needs for expected and unexpected life events, our investments can also be a powerful extension of our values, intentions, and commitments: we can invest in what we care about. The Social Justice Investor is ready to help you put your money where your values are. This step-by-step guide to personal finance removes all the technical jargon and introduces you to the basic building blocks of investment management. Once you have your'toolkit,'The Social Justice Investor walks you through how to apply a social justice lens to your investments (including how to talk to your financial advisor). You'll learn to select investments that match your stated objectives, allocate your resources widely and wisely, and measure your success. We can help change the world for the better, and it starts with where we decide to put our money.

Simple and accessible strategies to build personal wealth and improve your life In Close Your Wealth Gap: Financial Lessons to Upgrade Your Life, veteran wealth manager Rob Luna delivers a collection of actionable lessons you can implement immediately to ensure you make the most of the money you make and retire comfortably. You'll learn everything you need to know about generating personal wealth, from how to understand balance sheets and cash flow statements to constructing a personal portfolio that effectively balances risk and potential reward. The author explains the basics of maximizing your income with side hustles and passive income while, at the same time, increasing the impact of every dollar you earn. You'll also find: Action plans for every stage of your life, including ways to prepare your children for a lifetime of financial independence and security Explanations of the difference between qualified and non-qualified accounts Strategies for avoiding “bad debt” while intelligently incurring—when necessary—good debtPerfect for young professionals, people with new families, and anyone else with a desire to live well and retire rich, Close Your Wealth Gap is an indispensable recipe for financial security that belongs on the bookshelves of people everywhere.

“… a clear, approachable guide to help readers untangle their relationship with money, understand the systems and inequities that impact them, and reclaim financial independence.”―Edgar Villanueva, bestselling author of Decolonizing WealthAn intersectional approach to personal finance from queer, neurodivergent personal finance educator and TikToker, Ellyce Fulmore. There's no magic formula for being “good with money.” The perfect budgeting spreadsheet or debt repayment plan will never address the root of your money issues. When Ellyce Fulmore started her journey with personal finance, she was drowning in $35K of debt, had $60 to her name, and avoided looking at her bank account. Her own “aha” moment came when she realized that the reason she and so many others have struggled with finances has little to do with being “bad with money.” Instead, it has everything to do how identity and lived experience affect financial behaviors. Now in Keeping Finance Personal, Ellyce offers a shame-free, trauma-aware approach that explores the complex, nuanced, and deeply personal relationship between your identity and your money. With chapters exploring topics such as finding safe spaces, personal values, relationship dynamics, family systems, and culture, it's clear this is not your typical finance book. Readers will engage with how their upbringing, sense of self, trauma, and mental health impact their decisions, and begin a journey to change their relationship with money. This book is for the woman facing sexism at her local bank, the neurodivergent person struggling with impulse spending, the young adult questioning societal expectations, the 2SLGBTQIA+ couple searching for a place to rent—all the people that don't fit into the mold that traditional finance advice is aimed at. Filled with interviews from a diverse range of voices, practical exercises, and tangible tips, Keeping Finance Personal provides a path to develop a healthy money mindset and create a life where financial stability and joy coexist.

The essential guide to making better financial decisions Navigating the financial industry isn't easy. While there are no shortage of commercials, advertisements, mail, email and marketing calls to entice you to take out loans, buy insurance and invest your money, choosing which of these products is right for you can be difficult. Sound financial planning requires a systematic strategy. This book will empower you to take control of your finances, helping you to make well-informed, confident decisions to achieve your financial goals and avoid pitfalls, equipping you with the strategy and tools you need to do so. Through Be Your Own Financial Adviser's practical guidance, examples and case studies, you'll learn how to: Develop the skills of financial planning and wealth management, similar to those used by financial advisers Maximise your chances of achieving financial security Weather times of economic hardship Spot and avoid financial scams This edition adds new content on financial planning during turbulent times, open banking and cryptocurrencies, as well as a new chapter on avoiding scams. Supplementary material is available for download from Pearson.

'Tony Robbins returns with another must-read financial book revealing the strategies of many of the world's greatest investors'RAY DALIO, founder of Bridgewater and author of PrinciplesTony Robbins, who has coached more than fifty million people from 100 countries, is the world's #1 life and business strategist. In this new book, he teams up with Christopher Zook, a renowned financial investor who draws from thirty years of experience to round out the trilogy of #1 New York Times bestselling financial books. Together they reveal how, for decades, trillions of dollars of smart money­ – think of large institutions, sovereign wealth funds, individuals with ultra-high-net worth – have been making outsized returns using alternative investments in private equity, private credit, private real estate, energy and venture capital. Until recently, the vast majority of investors – those of us without insider access or eye-popping checkbooks – have been locked out of these exciting, high-yield opportunities. But there is a change underway. Alternative investments are coming to the masses, and investors need to know how to navigate their options, assess the merits of these opportunities, and determine how to best take advantage of this massive trend. In The Holy Grain of Investing, you'll discover: Where opportunities will arise as we transition from the'free money'era of zero interest rates to a new more realistic environment. How to take advantage of the trillions flowing into private investments by owning a piece of the firms that manage the assets. How to take advantage of private credit as an alternative (or compliment) to bonds. How and why professional sports teams have become an asset class of their own. How the renewable energy revolution will create new winners and losers. How investments in private real estate can work as an inflationary hedge. Interviews, advice, and insights from some of the world's most formidable titans of industry, such as Howard Marks of OakTree Capital, Vinod Khosla of Khosla Capital, Barry Sternlicht of Starwood, Robert Smith of Vista, and Peter Theil of Founders Fund, among others. The market is changing, and the conventional wisdom no longer applies. Are you ready to add some fuel to your financial fire? No matter your wealth, your experience, your job, or your age, The Holy Grail of Investing will teach you everything you need to know to unleash the financial power of alternative investments.

Household Finance: An Introduction to Individual Financial Behavior speaks to both how people should and how people actually do make financial decisions, and how these financial decisions contribute to and detract from their well-being. Households must plan over long but finite horizons, have important nontraded assets, notably human capital; hold illiquid assets, particularly housing; face constraints on the ability to borrow; and are subject to complex taxation. Some households manage these goals and challenges independently, while still others delegate portfolio management. Household financial problems have many special features that differ from firms, investors, or the functioning of markets. Author Richard Deaves covers the broad range of choices and goals in household finance both in the normative sense (i.e., what is best) based on conventional financial theory and in the positive sense (i.e., what is actually done) based on observing actual behavior. While modern finance builds models of behavior and markets based on such strong assumptions as the rationality of decision-makers, behavioral finance is based on the view that sometimes people behave in a less-than-fully-rational fashion when making financial decisions. Deaves addresses important issues and puzzles in the field including financial illiteracy, whether education and advice can improve outcomes, intertemporal consumption optimization, consumption smoothing, optimal dynamic risk-taking, the stock market participation puzzle, the credit card debt puzzle, anomalous insurance decisions, mortgage choices, skewness preference, investments driven by availability and attention, local and home bias, the disposition effect, optimal pension design, and improving outcomes through nudging in a thoroughly international approach.

'Con esta guía invaluable, aprenderás a cultivar excelentes hábitos financieros y harás que tu dinero trabaje para ti. Comprende el panorama completo de tus finanzas con este fenómeno de ventas norteamericano y toma conciencia de todo lo que puedes lograr cuando te comprometes y pones manos a la obra.'

Every financial decision we make impacts our lives. Introduction to Personal Finance: Beginning Your Financial Journey, 3rd Edition is designed to help students avoid early financial mistakes and provide the tools needed to secure a strong foundation for the future. Using engaging visuals and a modular approach, instructors can easily customize their course with topics that matter most to their students. This course empowers students to define their personal values and make smart financial decisions that help them achieve their goals.

Elgar Research Agendas outline the future of research in a given area. Leading scholars are given the space to explore their subject in provocative ways and map out the potential directions of travel. They are relevant but also visionary.This cross-disciplinary Research Agenda offers an in-depth exploration into financial resources within households, focussing specifically on how they are managed, how they are distributed and with what results.Bringing together an array of leading experts from the Global South and North, this Research Agenda examines the challenges facing researchers in this area, investigates developments in the field and analyses how research interacts with current public policy. This book shines a crucial light on multiple underexplored topics including economic abuse, financial resources within multigenerational households, ageing and cognitive decline, and the role of children in relation to resources within households. Offering key recommendations for future policy and research, A Research Agenda for Financial Resources within the Household makes an invaluable contribution to this highly topical area.This book will be a vital read for students, early career researchers and established academics interested in economics, sociology and social policy, amongst other disciplines. It will also prove highly beneficial for professionals working in NGOs, third sector organisations and think tanks who focus on the issues surrounding intra-household resources.

The all-inclusive guide to managing your money in your 20s, 30s, and 40s!Money for Millennials provides you with the basic tools you need to manage your life and plan for your financial future. You'll learn how to oversee every aspect of your personal finances as well as how to strengthen your financial plan to yield better returns on your investments.This revised guide includes how to: Create and follow a budget.Maintain a robust savings account.Building an emergency fund.Use online banking and the best account options available.Use credit cards and how to pay off debt judiciously.Pay off student loan debt and how to understand your options if you choose to further your education.Make big purchases, such as houses and transportation.Make the right choices when unemployed or underemployed or lack employer-sponsored health care options.Make the most of retirement plans: 401(k), individual retirement accounts (IRAs), etc.Even if you've tried budgeting books before and didn't have the success you desired, Money for Millennials offers some different approaches that are worth trying. Your financial future is at stake—take advantage of all that Money for Millennials has to offer you.

Have you tried to set budgets, but failed? Do you struggle to save regularly? Do you lack clarity around your financial goals? Then this is the diary for you. Join economist and multi-award-winning personal finance expert Jessica Irvine as she teaches you the unique system she uses to track her own money. The Money Diary is an opportunity to get a complete picture of your personal finances and plan for your future with confidence. It is, of course, a calendar you can use to organise your life and see where your money goes. But it's more than that: you can use this book — starting at any time — as a tool to reboot your spending so that it better aligns with your true goals and values. We'd all love to have more money. But it's not enough to simply keep boosting your income. If you fail to get a real handle on your spending habits, you will never be financially secure — no matter how high your income. That's because money finds a way to slip through our fingers if we don't have a process to manage it. The Money Diary is a fun, easy way for you to kickstart that process. Track your spending and radically transform the way you think about your money Complete worksheets and exercises to check your financial wellness and identify your underlying money beliefs, emotions, and values Set monthly goals and fill out simple tracking and budgeting sheets (all you need is a pen and highlighters!) Take your money before-and-after pictures and reflect on your spending to see your wins and fails, progresses and successes Review an entire year of spending to see what brings you joy and help you plan for emergencies and retirement with confidence. With The Money Diary, you'll see how life-changing it can be to truly take control of your money. Commit to using this diary every month, for one year, and you will turbocharge your ability to create long-lasting wealth and happiness. You'll see: it's easier than you think to create a better, more secure financial future. It starts one day at a time, with The Money Diary.

Today's investor faces a much larger challenge than those of just ten years ago. The size and complexities of the financial marketplace create confusion. The Dow Jones industrial average has doubled in the past two and a half years, and 10,000 on the Dow is no longer a fantasy. Money keeps flooding into the market. The New York Stock Exchange daily trading volume is four times that of 1990.Financial Success in the Year 2000 and Beyond covers financial planning and asset management, the fastest growing segments of the financial services industry. In the old days, highly commissioned salesmen would simply tell their clients what products to buy. Today, there are infinitely more choices and investments options to sort through and be concerned about. Technology has put complex investing tools into the hands of ordinary people, without good advice on how to use them. Never have so many people experienced so much control over their financial futures, yet felt a need for so much help. Applying lessons learned from past mistakes is hard and discouraging. Most people become investors without the wisdom of experience, getting the tests without first getting the lessons.Financial Success in the Year 2000 and Beyond explores virtually every aspect of financial planning and dispels many of the myths and mysteries surrounding investing and investments.The Experts include: Dennis R. Fletcher, CLU, ChFC, Oshkosh, WI, Joseph D. Longo, CLU, CFP, LUTCF, LIC, Troy, MI, Tom Nohr, CFP, RFC, Castro Valley, CA, Floyd L. Shilanski, Anchorage, AK, Robert Lyndon Taylor, LUTCF, Oklahoma City, OK, Michael P. Eischen, Columbus, OH, Lance A. Pelky, San Diego, CA, David W. Shepherd, RHU, ChFC, Tucson, AZ, Terry A. Vrieze, Des Moines, Iowa, Larry Rosenthal, RFC, LUTCF, Manassas, VA, William J. (Bill) Nelson, RFC, Cayton, OH, David S. White, Durham, NC, Mark Young, St Lewis, MO

Your financial future is too important to leave to chance. Find purpose for your money and freedom for yourself and family. Experiencing The American Dream: How to Invest Your Time, Energy, and Money to Create an Extraordinary Life is a compelling book with clear, potentially life-altering truths about economics and investing. As you read it, you'll engage in a profound exploration of your family's financial future. Discover what investing is, how it works, and how it can help fulfill your purpose for life. You will have the opportunity to alter your relationship to money and investing in a way that leaves you, and those you care about, powerfully pursuing your dreams. If you're committed to creating a life of freedom for you and those you love, you can benefit from what Experiencing the American Dream has to teach you. It's a breakthrough in financial education, backed by Nobel Prize winning research, designed to provide you with the tools to cultivate your financial future. Taking this journey will teach you as much about yourself as it will about the world of investing—don't wait. Start Experiencing the American Dream now.

Get out and stay out of debt the smart and easy way This is a clear and simple guide to getting out from under credit card debt, student loan debt, and all other forms of owing people money. With simple changes and smart decisions, you can start today and enjoy financial stability moving forward. This book covers everything you need to know to take the sting out of those monthly repayments, offering strategies for coping with personal loans, car loans, mortgages, home equity loans, and beyond. Getting Out of Debt For Dummies will help you prioritize and consolidate debt, so you can pay off the most pressing bills first and reduce the number of debtors coming after you. You'll also get pro tips for using credit cards responsibly, building up your credit score, and avoiding debt-generating traps when you make purchases. Getting out of debt doesn't have to be overwhelming. Let this Dummies guide help you quickly and easily repair your finances. Understand the different types of debt, including good and bad debt Develop a strategy for managing student loans and getting on a repayment plan Know what you're signing up for when you use credit cards and pay-later platforms Negotiate with collection agencies, the IRS, and angry creditors Design a realistic and painless payback schedule—even for serious debt For the millions who have substantial debt and want to turn their financial situation around, Getting Out of Debt For Dummies offers hope and a straightforward way forward.

Simplify your real estate goals with a portfolio plan that fits your personal values, resources, and skills.Real estate is a powerful way to build wealth and achieve financial freedom, but the investment options can be overwhelming. Should you flip houses or buy rental properties? Should you buy locally or invest out-of-state? In the wide world of real estate, it can be difficult to identify which strategy best supports your individual vision. There is no one-size-fits-all portfolio, and ongoing uncertainty can result in analysis paralysis, investing burnout, or losing sight of your values altogether.In this book, Dave Meyer—host of the BiggerPockets On the Market podcast and best-selling author of Real Estate by the Numbers—gives you a practical framework to craft and execute YOUR personalized real estate plan. By combining foundational knowledge and actionable advice, this book will help condense your real estate dreams into a straightforward blueprint that you can follow for the rest of your investing career. When you Start with Strategy, you can achieve your financial goals with more confidence and certainty than ever before.In this book, you will:Create a personalized ‘buy-box'to easily identify high-quality deals that are perfect for youAssess your resources and find the best ways to allocate themDevelop long-term financial goals and a time horizonMitigate risk so your portfolio can withstand economic changesDiscover new ways to maximize returns and optimize growth across your portfolio

Put the practical insights from Bounce Back to use with this companion workbook to financial resilience Dive deeper into the lessons from Lynnette Khalfani-Cox's popular book, Bounce Back: The Ultimate Guide to Financial Resilience, and rebound financially with this workbook. A noted personal finance coach and New York Times bestselling author, Lynnette maps out a course for navigating some of life's toughest obstacles and walks you through hands-on activities you can take to recover from the “Dreaded Ds,” including debt, downsizing from a job, divorce, the death of a loved one, disability, discrimination, and more. With The Bounce Back Workbook, you'll learn to rise from setbacks with renewed emotional and financial strength. Lynnette offers the practical strategies, encouragement, inspiration, and tools specifically designed to support your progress, making this workbook more than just a valuable guide — it's a transformative experience. Inside, you'll discover: Customizable self-assessments, reflection questions, writing prompts, tests and quizzes, goal-trackers, and more that personalize your journey Personal stories and inspirational case studies of people who have been in your position and triumphed over adversity A deeper understanding of yourself and your personal relationship with money Whether as a companion to Bounce Back or a stand-alone resource, The Bounce Back Workbook is a must-read for anyone preparing for, or navigating through, the many challenges life throws our way. Use The Bounce Back Workbook to empower yourself with the tools and insights needed for both emotional and financial growth.

Instant New York Times bestseller USA Today bestseller Publishers Weekly bestseller Taking control of your financial freedom is simpler than you think. In fact, your money should work harder than you do. Brian Preston, Host of The Money Guy Show podcast and Cofounder of Abound Wealth Management, lays out a nine-step system for building wealth with the money you already have. Millionaire Mission helps you account for your financial blind spots, overcome the fear of making wrong decisions, and take the guesswork out of what to do with your next dollar. Remember “PEMDAS” from grade school? The acronym that helps break down complex math problems into simple steps? When it comes to managing your money, following a similar process—the Financial Order of Operations—will demystify your dollars and show you the way to build transformative wealth with the tools you already have available: Keep Your Financial Life Out of the Ditch (Cover Your Highest Deductible) Love That Free Money (Max-Out Your Employer Match) The Joneses Are Broke and Miserable (Pay Off High-Interest Debt) Rainy Day Done Right (Build Emergency Reserves) Tax-Free Armageddon (Max-Out Tax-Free Growth with Roth and/or HSA Contributions) Max-Out Retirement Options Building That More Beautiful Tomorrow (Leverage Hyper-Accumulation) Funding Abundance Goals (Prepay Future Expenses) Debt Freedom (Prepay Low-Interest Debt) Discover what small financial decisions you can make today to move you closer to your more beautiful tomorrow. Millionaire Mission will do more than help you optimize your army of dollar bills—it will motivate you to be the best version of your financial self. You can own your time and own your life. Stop worrying so much about money, and start focusing on what really matters to you.

Sound personal money management advice with insights for today's world Personal Finance For Dummies has been tackling financial literacy for 30 years. This tenth edition continues to share the sound advice that's helped millions of readers become financially literate while demystifying the money matters of the current era. Get familiar with the financial pillars of earning, saving, investing, borrowing, budgeting, and protecting your assets. Dig into modern concerns like navigating the housing market, weathering the highs and lows of an unpredictable market, evaluating new stuff like cryptocurrency, and budgeting to achieve your financial goals. Take the anxiety out of money matters by building a solid financial plan, learning to spend and invest wisely, and managing your debt. Follow the advice that's helped readers for three decades! Become financially literate so you can minimize debt and set realistic goals Learn the basics of investing and start making smart investment choices Demystify insurance so you can protect your health and your assets Control your spending and build better budgets so you can afford the big stuffPersonal Finance For Dummies offers sound advice for all ages and levels of personal money management. It's never too early or too late to start making sense of your finances.

Take immediate action toward achieving your financial goals with a collection of practical and easy-to-use worksheets, checklists, and other tools in your customized wealth plan! In the Clever Girl Finance Workbook, My Wealth Plan, renowned personal finance educator Bola Sokunbi delivers a practical toolkit that empowers you to strategically lay out your long-term financial plans and take immediate action on your financial goals. Sokunbi provides you with custom Q&A pages, financial worksheets, and checklists in which you can enter your personal answers and strategize your next steps. The tools in this workbook are organized in an intuitive and easy-to-find way, making it easy to fine tune your plans without becoming overwhelmed. You'll discover how to: Organize your financial records, track and assess your spending, calculate your net worth, define your money values, and set your financial goals Craft a functional budget to help you repay debt or build your savings Improve your credit, ensure you have the right insurance, and take advantage of the investment opportunities available to you Layout your strategy to earn more in your career and/or through a side hustle And much more Perfect for women who want to improve their financial knowledge and literacy, the Clever Girl Finance Workbook is also ideal for anyone looking for the tools they need to take immediate action to improve their personal finances. Use it as a companion to the Clever Girl Finance book series or as a standalone financial planning guide!

Secure your financial independence and security with small, simple, yet powerful action steps you can take starting today! In the newly revised second edition to Clever Girl Finance, celebrated personal finance educator Bola Sokunbi delivers an update to the insightful and entertaining installment of her widely read handbook to personal finance for women everywhere. The author walks you through the basics of building a strong and prosperous financial future, showing you how to craft a resilient budget, improve your credit score, pay down debt, invest and build long term wealth. With this book, you'll: Identify your personal money values, goals, and beliefs to help guide your actions. Explore mindset shifts and developing good financial habits including overcoming limiting beliefs about money and cultivating healthy financial habits. Learn strategies to effectively manage and eliminate debt, such as creating a debt repayment plan, negotiating lower interest rates, and prioritizing high-interest debt. Gain insights into different saving strategies, including emergency funds, retirement savings, and other long-term financial goals. Learn about different investment options, risk management, and how to start investing even with a small amount of money. And much more Perfect for women looking for practical advice, actionable steps, and real-life examples they can apply to their own financial journey, Clever Girl Finance is an invaluable resource for anyone who wants to achieve financial independence and success!

Incisive guide to transform your relationship towards money and finally start building real wealth Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom delivers an inspirational, tough-love, and step-by-step guide for readers to finally start building their own legacy of wealth no matter where they're starting from. Filled with proven money-making, saving, and investment strategies, this book helps readers take an honest look at their spending habits, unconscious biases about money, and self-sabotaging money behaviors in order to start living their best lives. Heavyweight institutional finance executive Dr. Brad Klontz and self-made millionaire Adrian Brambila combine their expertise, grit, and firsthand knowledge to provide unparalleled and eye-opening perspective on topics including: Your ideal path to success as either an employee, entrepreneur, or “grinder” Trauma-based psychology that leads to a counterproductive “broke mindset” The value of education in sidestepping common financial pitfalls Steps to increase and diversify income, save what you make, and grow your money in your sleep Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom earns a well-deserved spot on the bookshelves of all ambitious individuals who are sick of tepid, uncontroversial, and ultimately ineffective financial advice, and want to cut through the noise to discover highly effective wealth-building moves that are proven to work.

En el mar turbulento de la vida actual, la brújula de la educación financiera se vuelve indispensable. Tanto en el hogar como en nuestros proyectos, dominar el arte de administrar el dinero es clave para alcanzar la tan anhelada libertad financiera. Este libro te ofrece un salvavidas de conocimientos: conceptos fundamentales para navegar las aguas turbulentas de la economía y llegar a buen puerto. Consejos prácticos y ejemplos serán tus faros en el camino, guiándote hacia la organización y planificación financiera que te brindarán la tranquilidad que tanto buscas. Emprende este viaje hacia una vida próspera y sin sobresaltos, donde el control de tus finanzas te permitirá disfrutar de las olas de la vida con mayor seguridad y confianza. Descubre el camino hacia la prosperidad con ejemplos reales. Este libro explora los fundamentos esenciales para el éxito financiero. Aprenderás a mejorar tu pensamiento para cambiar tu relación con el dinero. También aprenderás a aplicar la Ley de Pareto para influir en tu bienestar financiero, con estrategias para maximizar resultados. El libro no solo se enfoca en la teoría, sino que te proporciona herramientas prácticas. Desde la'Ritualización del Dinero'hasta los'Pasos para la Prosperidad', cada capítulo está diseñado para aplicar cambios tangibles en tu vida financiera. El libro aborda temas cruciales como conocer tu propio valor, potenciar la creatividad y practicar el ahorro consciente. Además, ofrece herramientas prácticas para la planificación financiera y la generación de excedente. Cómo alcanzar tu estabilidad económica es el manual práctico que necesitas. ¡Invierte en tu futuro hoy mismo!

Capitalism only celebrates success, and it can be difficult to know what to do when confronted with failure. This book explores what happens when people go broke and what the experience of bankruptcy and insolvency is like from a qualitative perspective. It shows, contrary to the expectations of policy makers, that debt relief is not transactional. Rather, it is moral, theological, social and cultural. The book demonstrates that debt encompasses fairness, trust, faith, sin, guilt, revelation and confession and that taking these factors seriously is vital to successfully navigating the world of the over-indebted.

Your Money Narrative: Understanding your story to build a stronger financial future.It's not about the money.Storytelling is a part of each one of us. We tell ourselves stories every day, based on our past encounters, and we mold them over time so they stay relevant with our growth. Our financial stories are no different than the plotlines in our personal lives, however; they can have a profound effect on how we manage our future.Children of the Great Depression lived through a time of scarcity, which shaped how they viewed their money as adults and how they ultimately passed down their money narratives to their children. These same stories can run rampant for generations if they are not unpacked with curiosity and care. By asking the why, you can unlock the power you have over your finances and tackle the hidden meanings you attach to money.Why do you spend more than you have?Why do you feel guilty when you spend money on yourself?Why do you save and spend differently than other people?It all comes down to your personal financial narrative and the steps you can take to build a stronger future and land on a lasting legacy.So, what's your money narrative?

AN INSTANT #1 NEW YORK TIMES BESTSELLERA must-have guide to optimizing your life for wealth and success, from bestselling author, NYU professor, and cohost of the Pivot podcast Scott Galloway.Today's workers have more opportunities and mobility than any generation before. They also face unprecedented challenges, including inflation, labor and housing shortages, and climate volatility. Even the notion of retirement is undergoing a profound rethink, as our lifespans extend and our relationship with work evolves. In this environment, the tried-and-true financial advice our parents followed is no longer enough. It's time for a new playbook.In The Algebra of Wealth, Scott Galloway lays bare the rules of financial success in today's economy. In his characteristic unvarnished, no-BS style, he explains what you need to know in order to better your chances for economic security no matter what. You'll learn:How to find and follow your talent, not your passion, when making career decisionsHow to ride and optimize big economic waves (hard truth: market dynamics always trump individual achievement)What small steps you can take that pay big returns later, including diversification and tax planningHow stoicism can help you minimize spending and develop better financial habitsBrimming with wise, game-changing advice from one of the world's most popular business school professors, The Algebra of Wealth offers a powerful framework for making the most of what opportunities come your way.