“Most people don’t plan to fail, they fail to plan.” John L. Beckley
Personal financial planning is the process of planning your spending, financing, and investing in order to optimize your financial situation. A personal financial plan involves decisions about financial goals and describes the spending, financing, and investing plans necessary to achieve those goals. An understanding of personal finance enables you to make more informed decisions about your financial situation.
The Total Money Makeover by
The success stories speak for themselves in this book from money maestro Dave Ramsey. Instead of promising the normal dose of quick fixes, Ramsey offers a bold, no-nonsense approach to money matters, providing not only the how-to but also a grounded and uplifting hope for getting out of debt and achieving total financial health. Ramsey debunks the many myths of money (exposing the dangers of cash advance, rent-to-own, debt consolidation) and attacks the illusions and downright deceptions of the American dream, which encourages nothing but overspending and massive amounts of debt. "Don't even consider keeping up with the Joneses," Ramsey declares in his typically candid style. "They're broke!" The Total Money Makeover isn't theory. It works every single time. It works because it is simple. It works because it gets to the heart of the money problems: you.
Rich Dad, Poor Dad by
Robert Kiyosaki reveals how he developed his unique economic perspective from his two fathers: his real father, who was highly educated but fiscally poor; and the father of his best friend - an eighth-grade drop-out who became a self-made multi-millionaire. The lifelong monetary problems experienced by his poor dad pounded home the counterpoint communicated by his rich dad. Taking that message to heart, Kiyosaki was able to retire at the age of 47. This book lays out his philosophy and aims to open readers eyes by: exploding the myth that you need to earn a high income to be rich; challenging the belief that your house is an asset; showing parents why they can't rely on schools to teach their children about money; defining once and for all an asset versus a liability; and explaining what to teach your children about money for their future financial success.
The Millionaire Next Door by
The incredible national bestseller that is changing people's lives -- and increasing their net worth! CAN YOU SPOT THE MILLIONAIRE NEXT DOOR? Who are the rich in this country? What do they do? Where do they shop? What do they drive? How do they invest? Where did their ancestors come from? How did they get rich? Can I ever become one of them? Get the answers in The Millionaire Next Door, the never-before-told story about wealth in America. You'll be surprised at what you find out....
100 Things Millionaires Do by
Following the success of the international bestseller,100 THINGS SUCCESSFUL PEOPLE DO, Nigel Cumberland turns his attention to wealth. 100 THINGS MILLIONAIRES DO distills all the wisdom and knowledge of a lifetime of starting and selling businesses and coaching hundreds of wealthy leaders into 100 short chapters of advice on building and retaining sustainable wealth. This is not a get rich quick book. Instead,Nigel explores the habits,tools,techniques and mentality of self-made millionaires and shows you how to begin your own journey to a wealthy future. Mixing simple instructions with activities to get you started,you will find mindsets,habits, and techniques here that will help you get the results you want. 100 THINGS MILLIONAIRES DO is packed with great ideas for creating long-term wealth and success for yourself and those you care about. You will discover the habits that are common to wealthy people and find out how to use them in your own life. Every chapter features a new idea that will help you get closer to your goals. Mixing simple descriptions with activities and exercises, you will learn the optimal mindset and habits you need to succeed. Praise for 100 THINGS SUCCESSFUL PEOPLE DO 'Inside these pages you'll find a powerful reminder of the many ways you can make your life - and other people's lives - more successful. It will help you identify what success means to you and give you the building blocks for making that success a reality. This is your chance to overcome whatever obstacles are stopping you. Read it, act on it and experience the difference' Marshall Goldsmith Ph.D., bestselling author of TRIGGERS