{"product_id":"building-wealth-on-a-dime-isbn-9781119900009","title":"Building Wealth on a Dime","description":"\u003cp\u003e\u003cb\u003eYour personal roadmap to financial freedom through small but mighty changes to your money\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eIn a world where you have questions about money and Google has a million different answers, it can be hard to know how to make the most of what you have…\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eEspecially if you don’t have a ton of it.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIn \u003ci\u003eBuilding Wealth on a Dime: Finding Your Financial Freedom\u003c\/i\u003e, financial educator and Latina Kimberly Hamilton delivers an engaging guide for building wealth through small but powerful changes to your money – even if you’re starting small. As a former student debt warrior turned homeowner, Kimberly knows this experience first-hand, but this book isn’t about her. Through the financial lives of everyday moneymakers like Claire in New York, Tanya in Chicago, and Eric in Portland, Kimberly teaches you how to take control of your finances, eliminate debt, and invest for your financial future. Written in a tone that sounds more like a friend than financial advice, you’ll gain the tools you need – psychological and financial – to change your mindset and achieve your own financial freedom.\u003c\/p\u003e \u003cp\u003eIn \u003ci\u003eBuilding Wealth on a Dime\u003c\/i\u003e, you’ll discover how to shift your financial trajectory “on a dime” and gain confidence in your money ASAP. You’ll also find:\u003c\/p\u003e \u003cul\u003e \u003cli\u003eEfficient techniques for eliminating debt\u003c\/li\u003e \u003cli\u003eHow to calculate and implement a guilt-free weekly spending cap\u003c\/li\u003e \u003cli\u003eA complete breakdown on investing for beginners, including the different types of accounts, investments, and methods you need to be strategic\u003c\/li\u003e \u003cli\u003eCompletely legal (but rarely talked about) tax loopholes that can save you thousands\u003c\/li\u003e \u003cli\u003eWhat you need to consider when buying your first home or real estate investment\u003c\/li\u003e \u003c\/ul\u003e \u003cbr\u003e A can’t-miss handbook for the everyday money maker, working professional, or soon-to-graduate, \u003ci\u003eBuilding Wealth on a Dime\u003c\/i\u003e belongs on the bookshelves of anyone seeking to improve their relationship with money and accelerate their journey to financial freedom. \u003cp\u003ePreface\u003c\/p\u003e \u003cp\u003e\u003cb\u003e1 Million Dollar Habits 1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eNo. 1: Start Small, Dream Big 3\u003c\/p\u003e \u003cp\u003eNo. 2: Don’t Compare Yourself to Others 5\u003c\/p\u003e \u003cp\u003eNo. 3: Automate and Stay Consistent 5\u003c\/p\u003e \u003cp\u003eNo. 4: Start with Day 1 6\u003c\/p\u003e \u003cp\u003eNo. 5: Keep It Real 7\u003c\/p\u003e \u003cp\u003eNo. 6: Invest Early and Often 9\u003c\/p\u003e \u003cp\u003eSummary 12\u003c\/p\u003e \u003cp\u003eNotes 13\u003c\/p\u003e \u003cp\u003eWorksheet: Million Dollar Habits 14\u003c\/p\u003e \u003cp\u003e\u003cb\u003e2 Plans Change – So Can Your Money 15\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Story No One Told You 17\u003c\/p\u003e \u003cp\u003eThe Real Reasons Money Feels Tight 18\u003c\/p\u003e \u003cp\u003eA New Plan for Your Money 26\u003c\/p\u003e \u003cp\u003eSummary 29\u003c\/p\u003e \u003cp\u003eNotes 29\u003c\/p\u003e \u003cp\u003e\u003cb\u003e3 Money Mindset and Your Emotions 31\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eEmotions and Your Money 34\u003c\/p\u003e \u003cp\u003eStep 1: Identify Your Money Mindset 35\u003c\/p\u003e \u003cp\u003eStep 2: Tackle Your Emotional Spending 41\u003c\/p\u003e \u003cp\u003eStep 3: Take Action 46\u003c\/p\u003e \u003cp\u003eSummary 47\u003c\/p\u003e \u003cp\u003eNotes 48\u003c\/p\u003e \u003cp\u003eWorksheet: Shift Your Money Mindset 49\u003c\/p\u003e \u003cp\u003e\u003cb\u003e4 Flip the Script on Budgets 51\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat a Budget Should Be 53\u003c\/p\u003e \u003cp\u003eStep 1: Get Organized 58\u003c\/p\u003e \u003cp\u003eStep 2: Set Your Money Goals 64\u003c\/p\u003e \u003cp\u003eStep 3: Build Your Budget 73\u003c\/p\u003e \u003cp\u003eStep 4: Automate Your Money 80\u003c\/p\u003e \u003cp\u003eSummary 85\u003c\/p\u003e \u003cp\u003eWorksheet: Build Your Budget 87\u003c\/p\u003e \u003cp\u003e\u003cb\u003e5 Tackle Your Debt 95\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDevelop Your Debt Payoff Plan 101\u003c\/p\u003e \u003cp\u003eFind Extra Money to Pay Down Your Debt 114\u003c\/p\u003e \u003cp\u003eAccelerate Your Debt Payoff 120\u003c\/p\u003e \u003cp\u003eFor the Student Debt Warriors 124\u003c\/p\u003e \u003cp\u003eSummary 131\u003c\/p\u003e \u003cp\u003eNotes 136\u003c\/p\u003e \u003cp\u003eWorksheet: Debt Payoff 137\u003c\/p\u003e \u003cp\u003e\u003cb\u003e6 Get Your Full Financial Picture 141\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eNet Worth 143\u003c\/p\u003e \u003cp\u003eYour Credit Score 144\u003c\/p\u003e \u003cp\u003eYour Liquidity Ratio 146\u003c\/p\u003e \u003cp\u003eYour Debt-to-Income (DTI) Ratio 147\u003c\/p\u003e \u003cp\u003eHow Often Should I Check These Numbers? 149\u003c\/p\u003e \u003cp\u003eSummary 151\u003c\/p\u003e \u003cp\u003eWorksheet: Get Your Financial Picture 152\u003c\/p\u003e \u003cp\u003e\u003cb\u003e7 Invest Early and Often 155\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Magic of Investing: Compound Growth 158\u003c\/p\u003e \u003cp\u003eTanya’s Wealth Journey 163\u003c\/p\u003e \u003cp\u003eHow Much Should I Invest? 169\u003c\/p\u003e \u003cp\u003eUpdate Your Investment Goals 175\u003c\/p\u003e \u003cp\u003eSummary 177\u003c\/p\u003e \u003cp\u003eNotes 178\u003c\/p\u003e \u003cp\u003e\u003cb\u003e8 Investing 101 179\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Magic of Tax-Advantaged Accounts 181\u003c\/p\u003e \u003cp\u003eThe Average Money Maker’s Guide to Investments 208\u003c\/p\u003e \u003cp\u003eSummary 220\u003c\/p\u003e \u003cp\u003eNotes 221\u003c\/p\u003e \u003cp\u003eWorksheet: Investing 101 222\u003c\/p\u003e \u003cp\u003e\u003cb\u003e9 Beyond the Basics 225\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eTanya’s Next Steps 227\u003c\/p\u003e \u003cp\u003eHow to Open a Brokerage Account 232\u003c\/p\u003e \u003cp\u003eFor High Income Earners: Consider a Backdoor Roth 240\u003c\/p\u003e \u003cp\u003eGet Penalty-Free Access to Your Investments? Using a Roth Ladder 241\u003c\/p\u003e \u003cp\u003eTracking Your Investments Across Multiple Accounts 243\u003c\/p\u003e \u003cp\u003eCreating Generational Wealth 243\u003c\/p\u003e \u003cp\u003eSummary 249\u003c\/p\u003e \u003cp\u003e\u003cb\u003e10 Confessions of a First-Time Homebuyer 251\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eMy Homeownership Journey 253\u003c\/p\u003e \u003cp\u003eLessons Learned 259\u003c\/p\u003e \u003cp\u003e\u003cb\u003e11 The Rent Versus Buy Debate 267\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhy Buying a House Can Be Difficult 268\u003c\/p\u003e \u003cp\u003eThe Pros and Cons of Homeownership 272\u003c\/p\u003e \u003cp\u003eQuestions to Ask Yourself Before Buying a Home 274\u003c\/p\u003e \u003cp\u003eSummary 276\u003c\/p\u003e \u003cp\u003eNotes 276\u003c\/p\u003e \u003cp\u003e\u003cb\u003e12 Nine Steps to Homeownership 277\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eReal Estate Lingo 278\u003c\/p\u003e \u003cp\u003eStep 1: Find Out How Much You Can Afford 282\u003c\/p\u003e \u003cp\u003eStep 2: Shop Around for Lenders 289\u003c\/p\u003e \u003cp\u003eStep 3: Find Your Home 291\u003c\/p\u003e \u003cp\u003eStep 4: Make a Strong Offer 292\u003c\/p\u003e \u003cp\u003eStep 5: Finalize Your Mortgage 293\u003c\/p\u003e \u003cp\u003eStep 6: Get Your Inspection 294\u003c\/p\u003e \u003cp\u003eStep 7: Get Homeowners Insurance 295\u003c\/p\u003e \u003cp\u003eStep 8: Final Walk-Through 295\u003c\/p\u003e \u003cp\u003eStep 9: Closing Day! 295\u003c\/p\u003e \u003cp\u003eBuilding Wealth with Real Estate 296\u003c\/p\u003e \u003cp\u003eSummary 302\u003c\/p\u003e \u003cp\u003eClosing 305\u003c\/p\u003e \u003cp\u003eAppendix 309\u003c\/p\u003e \u003cp\u003eAcknowledgments 317\u003c\/p\u003e \u003cp\u003eAbout the Author 319\u003c\/p\u003e \u003cp\u003eIndex 321\u003c\/p\u003e  \u003cp\u003e\u003cb\u003eKIMBERLY HAMILTON\u003c\/b\u003e is the Founder of Beworth Finance where she helps women and millennials make smart money moves. As a Certified Financial Education Instructor, Kimberly’s advice has been featured in major publications such as \u003ci\u003eForbes, Business Insider\u003c\/i\u003e, and \u003ci\u003eHealth\u003c\/i\u003e magazine, among others. To learn more, you can follow her on social media @BeworthFinance.    \u003c\/p\u003e\u003cp\u003eIn a world filled with conflicting advice about how to handle your money, it can be tough to know how to make the most of what you have, especially if you’re starting small. Luckily, there are ways you can build wealth, one million dollar habit at a time.  \u003c\/p\u003e\u003cp\u003eIn \u003ci\u003eBuilding Wealth on a Dime: Finding Your Financial Freedom\u003c\/i\u003e, Latina financial educator Kimberly Hamilton delivers an insightful and exciting new guide to building wealth by making small—but powerful—changes to your money. You’ll learn that small beginnings can create huge windfalls over time, and that you can achieve your own financial freedom by shifting your mindset and adjusting your money habits.  \u003c\/p\u003e\u003cp\u003eThrough the budgets and stories of characters much like you, from Claire in New York to Tanya in Chicago and Eric in Portland, you’ll discover how to take control of your finances, eliminate debt, and invest for your financial future. The author also describes straightforward debt-busting and wealth-building techniques like using a guilt-free weekly spending cap and breaks down investing for beginners, including the different types of accounts, investments, and strategies you can use to be successful. \u003c\/p\u003e\u003cp\u003e\u003ci\u003eBuilding Wealth on a Dime\u003c\/i\u003e shows you completely legal (but rarely discussed) tax loopholes that can save you thousands and what you need to consider when buying your first home or real estate investment.  \u003c\/p\u003e\u003cp\u003eDiscover how to shift your financial trajectory “on a dime” and gain confidence in your money ASAP. A can’t-miss handbook for the everyday money maker, \u003ci\u003eBuilding Wealth on a Dime\u003c\/i\u003e will benefit anyone looking for practical methods to build wealth and find financial freedom.   \u003c\/p\u003e\u003cp\u003e\u003cb\u003eYOUR PERSONAL ROADMAP TO FINANCIAL FREEDOM, FILLED WITH SMALL-BUT-MIGHTY MONEY STRATEGIES\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003eDedicated to anyone whose dreams have ever felt bigger than their bank account, \u003ci\u003eBuilding Wealth on a Dime: Finding Your Financial Freedom\u003c\/i\u003e is the practical guide to money you’ve been waiting for. In this book, celebrated financial educator and Latina Kimberly Hamilton walks you through how to take control of your money, eliminate debt, and invest for your financial future. Through the budgets, relationships, and goals of five money makers like Tanya in Chicago and Eric in Portland, Kimberly teaches you the systems you need to build wealth, even if you’re starting small. \u003c\/p\u003e\u003cp\u003eShift your financial trajectory “on a dime” and build confidence in your ability to manage money as you tackle debt, automate your finances, master the basics of investing—within and beyond your 401k—and buy your first home. Most importantly, you’ll learn the six million dollar habits that helped Kimberly build wealth faster than anything else, from paying down almost $45k worth of student debt to buying her first home before 30. \u003c\/p\u003e\u003cp\u003eAn indispensable guide told through the finances and stories of regular people, including her own, \u003ci\u003eBuilding Wealth on a Dime\u003c\/i\u003e will show you how to optimize your money and find your own financial freedom—and you will.\u003c\/p\u003e","brand":"Wiley","offers":[{"title":"Default Title","offer_id":47988868382949,"sku":"NP9781119900009","price":27.95,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9781119900009.jpg?v=1761781843","url":"https:\/\/k12savings.com\/es\/products\/building-wealth-on-a-dime-isbn-9781119900009","provider":"K12savings","version":"1.0","type":"link"}