Practical Money Advice For Young Men

This isn’t much of a sales pitch at this point. I’m just going to keep it real with you. I wrote a lot of books in my day. I barely put much effort into some of the books I wrote and published, but this one is different. I actually tried this one. I don’t care what anyone says. This book is better than most of the mainstream personal finance books out there. I put so much valuable advice that will help you save money and increase your net worth and income that you would look like a hater if you gave this book below a 4 out of 5 star review. That’s how confident I am with the content in this book. I literally show you how to LEGALLY pay less in taxes, how to realistically get ahead in the United States, what kind of investments you should make, how to improve your credit score, and how to use debt to increase your income/net worth. I’m saving you money and making you thousands of dollars at the same time in this book, and all you have to do is put in the work. This is not a get-rich-quick scheme. No, I’m not suggesting that you fire your boss i.e. quit your job. In fact, I advise you to keep your job in this book. I have a job, besides writing and selling books, by the way. That’s called having more than one stream of income and I talk about that in this book. I swear to God you will learn something that can change the course of your life and all you would have to do is work at it. It’s not easy, but this stuff is simple. More importantly, some of this material are things you’re going to have to do later on in life anyway, so why not just do it now? This is definitely not a BS Tony Robbins personal finance book with over 680 pages about compound interest, him shamelessly promoting financial firms that he has an ownership stake in, and saving 10% to 20% of your income. This is a raw and real book written by a guy who is only a few steps ahead of you. That’s it. I’m not a guru. This is not a scam. I put my heart and soul into making this. I wrote this book as if it was for the 18 year old me. Anyone who leaves a review saying that this book lacks realistic actionable advice is a straight up hater. There’s no way in hell you’re going to say this book that has over 20 chapters did not teach you anything that can result in you changing your life financially. I even provide screenshots to back up my legitimacy as an expert on finance. I even did what most of these personal finance authors don’t have the guts to do. I talk about my personal life and the mistakes I made that cost me thousands of dollars. That’s why this genre is called personal finance, right? I get real personal. Some might say it's too personal. Anyway, if you’re a man that is tired of being broke, living paycheck to paycheck, not owning any assets, being clueless about taxes, and not being able to get ahead in the United States then this is the book for you. I started off as a poor black boy in a small town in Alabama. I currently have a 6-figure net worth. If I can do it, you can too. Buy this book today.

Most young adults spend more time thinking about what to wear each day than about their finances. It`s too bad, because time really is on your side when it comes to investing. The earlier you start, the more successful you`ll be. Just ask Lesley Scorgie. At the ripe old age of ten, Lesley started working for pocket money. Soon after that, she had a savings account. By the time she was 17, Oprah Winfrey came calling--and Lesley appeared on her show about Ordinary People, Extraordinary Wealth. Why? Because Lesley, now 23, is on track to be a millionaire by the time she`s 25. InRich by Thirty, Lesley shares the secrets of her success with other young adults. From tips and hints on how to save what you earn, to more advanced information on investment vehicles and opportunities,Rich by Thirty provides practical advice and good, solid information. Written in Lesley`s friendly, accessible voice,Rich by Thirty features worksheets, a resource section and a glossary of money terms. It should be required reading for anyone under the age of 25. Praise forRich by Thirty: "Rich by Thirty offers lots of sound financial advice rolled into an entertaining package." --Quill & Quire

The New York Times bestselling financial guide aimed squarely at "Generation Debt"—and their parents—from the country's most trusted and dynamic source on money matters. The Money Book for the Young, Fabulous & Broke is financial expert Suze Orman's answer to a generation's cry for help. They're called "Generation Debt" and "Generation Broke" by the media — people in their twenties and thirties who graduate college with a mountain of student loan debt and are stuck with one of the weakest job markets in recent history. The goals of their parents' generation — buy a house, support a family, send kids to college, retire in style — seem absurdly, depressingly out of reach. They live off their credit cards, may or may not have health insurance, and come up so far short at the end of the month that the idea of saving money is a joke. This generation has it tough, without a doubt, but they're also painfully aware of the urgent need to take matters into their own hands. The Money Book was written to address the specific financial reality that faces young people today and offers a set of real, not impossible solutions to the problems at hand and the problems ahead. Concisely, pragmatically, and without a whiff of condescension, Suze Orman tells her young, fabulous & broke readers precisely what actions to take and why. Throughout these pages, there are icons that direct readers to a special YF&B domain on Suze's website that offers more specialized information, forms, and interactive tools that further customize the information in the book. Her advice at times bucks conventional wisdom (did she just say use your credit card?) and may even seem counter-intuitive (pay into a retirement fund even though your credit card debt is killing you?), but it's her honesty, understanding, and uncanny ability to anticipate the needs of her readers that has made her the most trusted financial expert of her day. Over the course of ten chapters that can be consulted methodically, step-by-step or on a strictly need-to-know basis, Suze takes the reader past broke to a secure place where they'll never have to worry about revisiting broke again. And she begins the journey with a bit of overwhelmingly good news (yes, there really is good news): Young people have the greatest asset of all on their side — time.

WHEN IT COMES TO INVESTING FOR YOUR FUTURE, THERE'S ONLY ONE SURE BET—ASSET ALLOCATION THE EASY WAY TO GET STARTED Everything You Need to Know About How To: Implement a smart asset allocation strategy Diversify your investments with stocks, bonds, real estate, and other classes Change your allocation and lock in gains Trying to outwit the market is a bad gamble. If you're serious about investing for the long run, you have to take a no-nonsense, businesslike approach to your portfolio. In addition to covering all the basics, this new edition of All About Asset Allocation includes timely advice on: Learning which investments work well together and why Selecting the right mutual funds and ETFs Creating an asset allocation that’s right for your needs Knowing how and when to change an allocation Understanding target-date mutual funds "All About Asset Allocation offers advice that is both prudent and practical--keep it simple, diversify, and, above all, keep your expenses low--from an author who both knows how vital asset allocation is to investment success and, most important, works with real people." -- John C. Bogle, founder and former CEO, The Vanguard Group "With All About Asset Allocation at your side, you'll be executing a sound investment plan, using the best materials and wearing the best safety rope that money can buy." -- William Bernstein, founder, Effi cientFrontier.com, and author, The Intelligent Asset Allocator

"A gem from one of the most brilliant minds in personal finance." — Ben Stein, author, actor, TV personality, and New York Times columnist In a financial world gone mad, you still need to manage your money, put your kids through college, and save for retirement. To the rescue comes Jonathan Clements with 21 easy-to-follow rules to help you secure your financial future. Clements has spent a quarter century demystifying Wall Street for ordinary, real people on Main Street, including more than thirteen years as the Wall Street Journal's hugely popular personal-finance columnist. In The Little Book of Main Street Money, Clements brings us back to basics, with commonsense suggestions for intelligent money management. Chock-full of financial guidance that will stand up in any market, the book also reflects a financial philosophy that Clements has developed over a lifetime of watching Wall Street and writing about money—and that is even more important in the current volatile market. From the big picture (home, retirement, financial happiness) to the micro (taxes, inflation, investment costs), he offers clear-cut advice for taking control of your financial life, detailing the strategies needed to thrive in today's tough economic times. The 21 truths outlined throughout this book are a guiding light for everyone, young and old, whether starting out or soon retiring. Each chapter reads like a Clements column—clear, pithy, and feisty. From the obvious to the counterintuitive, the truths will bolster your returns, cut your costs, and give you financial peace of mind. Collectively, the 21 truths show you how to think about your entire financial life—not just stocks and bonds, but your home, your debts, your financial promises to your children, your income-earning ability, and so much more. They will help you not only survive today's treacherous financial terrain, but also prepare you for success tomorrow. Renowned for his spirited writing and shrewd investment guidance, Clements is the sane voice investors need to stay grounded in the midst of so much financial insanity.

Whether you're living paycheck to paycheck or just trying to make smarter financial choices, let award-winning writer and Washington Post columnist Michelle Singletary show you the practical steps you need to take for the financial peace you long for. In The 21-Day Financial Fast, Michelle proposes a field-tested financial challenge: for twenty-one days, put away your credit cards and buy only the barest essentials. What happens next will forever change the way you think about wealth. With Michelle's guidance, you'll discover how to: Break bad spending habits Plot a course to become debt-free with the Debt Dash Plan Avoid the temptation of overspending for college Learn how to prepare elderly relatives and yourself for future long-term care expenses Be prepared for any contingency with a Life Happens Fund Stop worrying about money and find the priceless power of financial peace Join the thousands of others who have already discovered practical ways to achieve financial freedom and experience what it truly means to live a life of financial peace and prosperity.

Dave Ramsey explains those scriptural guidelines for handling money.