{"product_id":"overcoming-debt-achieving-financial-freedom-isbn-9781119902324","title":"Overcoming Debt, Achieving Financial Freedom","description":"\u003cp\u003e\u003cb\u003eTransform your financial situation with easy-to-follow advice from a first-generation professional\u003c\/b\u003e \u003c\/p\u003e\u003cp\u003eIn \u003ci\u003eOvercoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth\u003c\/i\u003e, lawyer, business owner, and first-generation professional Cindy Zuniga-Sanchez delivers a practical and actionable blueprint for financial independence. Full of easy-to-apply advice for young adults, students, and early-career professionals, the book is a holistic guide to responsibly managing money and debt while building your nest egg. \u003c\/p\u003e\u003cp\u003eIn the book, you’ll explore how to be a responsible consumer, how to budget, save, invest, pay off debt, build credit, and increase your income. You’ll also understand much of what school didn’t teach you about student loans. The author explains: \u003c\/p\u003e\u003cul\u003e \u003cli\u003eStrategies to create a realistic and actionable debt repayment plan that will save you money and time\u003c\/li\u003e \u003cli\u003eStrategies for maximizing your income by negotiating your salary and finding profitable “side hustles”\u003c\/li\u003e \u003cli\u003eTechniques for straightforward forms of investing that responsibly balance risk and reward\u003c\/li\u003e \u003cli\u003eThe money strategies that she put into place and resources that she used to go from having six-figures of debt to a multiple six-figure net worth\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eAn essential money resource for students, professionals, entrepreneurs, young families, and anyone else hoping to reduce their financial stress and improve their lives, \u003ci\u003eOvercoming Debt, Achieving Financial Freedom\u003c\/i\u003e is the simple and powerful money guide you’ve been waiting for. \u003c\/p\u003e\u003cp\u003ePreface xi\u003c\/p\u003e \u003cp\u003eAcknowledgments xv\u003c\/p\u003e \u003cp\u003eAbout the Author xvii\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 1 My Money Story 1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e1 Money Lessons from the Bronx 3\u003c\/p\u003e \u003cp\u003e2 Financial Hurdles in Pursuit of the American Dream 9\u003c\/p\u003e \u003cp\u003e3 The Journey to Financial Freedom 17\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 2 Eight Wealth-Building Pillars 25\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e4 Take Inventory of Your Numbers 27\u003c\/p\u003e \u003cp\u003e5 Choose the Best Budget for You 45\u003c\/p\u003e \u003cp\u003e6 Become a Conscious Consumer 71\u003c\/p\u003e \u003cp\u003e7 Save with a Purpose 87\u003c\/p\u003e \u003cp\u003e8 Create Your Debt Payoff Plan 109\u003c\/p\u003e \u003cp\u003e9 Master Your Credit and Your Credit Cards 141\u003c\/p\u003e \u003cp\u003e10 Invest for Future You 165\u003c\/p\u003e \u003cp\u003e11 Increase Your Income 193\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 3 Implementing the Pillars 211\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e12 Your Financial Roadmap 213\u003c\/p\u003e \u003cp\u003eNotes 231\u003c\/p\u003e \u003cp\u003eIndex 245\u003c\/p\u003e  \u003cp\u003e\u003cb\u003eCINDY ZUNIGA-SANCHEZ\u003c\/b\u003e is the Founder of Zero-Based Budget, where she offers personal finance education on saving, investing, and strategies for debt repayment. She has been featured in national publications, including \u003ci\u003eForbes, Kiplinger, Business Insider, \u003c\/i\u003eand\u003ci\u003e Bloomberg Opinion\u003c\/i\u003e, and received her law degree from the Benjamin N. Cardozo School of Law.   \u003c\/p\u003e\u003cp\u003eWhile those who “come from money” often enter post-secondary education and the workforce with a wealth of personal finance education, those from humbler beginnings sometimes lack the financial skills necessary to make responsible choices about their own finances. This disparity is especially pronounced for many early-career professionals and students from communities of color trying to gain a foothold in an unforgiving economy. \u003c\/p\u003e\u003cp\u003eIn \u003ci\u003eOvercoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth\u003c\/i\u003e, first-generation American and lawyer Cindy Zuniga-Sanchez shares her story of going from a low-income community in the Bronx to a debt-free business owner. In the book, you’ll discover the importance of having your own “why” in your journey to financial independence and freedom and uncover your own personal goals and the reasons you hope to accomplish them. \u003c\/p\u003e\u003cp\u003eYou’ll also explore your own income, expense, and debt numbers, create a consistent and impactful budget that works for your lifestyle, be a conscious consumer, create and build savings and an emergency fund, craft a debt repayment strategy, and learn the facts about student loans they don’t teach you in school. \u003c\/p\u003e\u003cp\u003e\u003ci\u003eOvercoming Debt, Achieving Financial Freedom\u003c\/i\u003e demonstrates how to build your credit, invest for the future, negotiate your pay, and find “side hustles” that can help further your financial goals. It provides readers with a holistic approach on how to properly manage money and debt from the perspective of a first-generation wealth builder and professional. \u003c\/p\u003e\u003cp\u003eAn essential financial handbook for anyone interested in building their own wealth, this book will be especially useful for students, early-career professionals, small business owners, new entrepreneurs, and others who are starting their own financial journeys.   \u003c\/p\u003e\u003cp\u003ePRAISE FOR  \u003c\/p\u003e\u003cp\u003e\u003ci\u003eOvercoming \u003c\/i\u003eDEBT\u003ci\u003e, Achieving \u003c\/i\u003eFINANCIAL FREEDOM \u003c\/p\u003e\u003cp\u003e“This book is a must-read for anyone who wants the inspiration and roadmap to achieve a life of wealth and freedom. Cindy not only shares her incredible personal story, but shows readers step-by-step how to get out of debt and achieve financial freedom.” \u003c\/p\u003e\u003cp\u003e\u003cb\u003e—JAMILA SOUFFRANT,\u003c\/b\u003e Founder, Journey To Launch  \u003c\/p\u003e\u003cp\u003e“Cindy’s story of overcoming debt and building wealth as a first-generation daughter of immigrants is sure to inspire anyone who picks up this book. \u003ci\u003eOvercoming Debt, Achieving Financial Freedom\u003c\/i\u003e simplifies complex money topics and demonstrates that it is possible to afford a life driven by your values.” \u003c\/p\u003e\u003cp\u003e\u003cb\u003e—FARNOOSH TORABI,\u003c\/b\u003e Financial Expert, Author and Host, \u003ci\u003eSo Money\u003c\/i\u003e podcast \u003c\/p\u003e\u003cp\u003e“Cindy’s personal story of her upbringing and her journey to becoming debt-free will not only inspire you to pursue your own financial dreams, but will truly change your life. If you’ve ever thought financial freedom was out of reach, Cindy will have you think again \u003cb\u003eand\u003c\/b\u003e guide you with practical and uncomplicated advice towards making your own freedom a reality! Three words: Read this book!” \u003c\/p\u003e\u003cp\u003e\u003cb\u003e—BOLA SOKUNBI,\u003c\/b\u003e Author, Founder and CEO, Clever Girl Finance  \u003c\/p\u003e\u003cp\u003e\u003ci\u003e“\u003c\/i\u003eCindy Zuniga-Sanchez has such a gift for teaching and her straightforward guidance makes it easy for anyone pursuing financial freedom to start (or keep going)! This book is a great companion to get you through the bumps along the road so you can reach financial freedom with ease and confidence.”\u003c\/p\u003e \u003cp\u003e\u003cb\u003e—JEN HEMPHILL,\u003c\/b\u003e AFC®, host of \u003ci\u003eHer Dinero Matters\u003c\/i\u003e podcast\u003c\/p\u003e \u003cp\u003e“Too much personal finance advice is unclear, irrelevant, and outmoded. Thank the money gods for giving us Cindy Zuniga-Sanchez, who shares her personal success story in support of an even grander mission: to materially change the lives of hardworking people who’ve long been left out of these important conversations about building wealth.”\u003c\/p\u003e \u003cp\u003e\u003cb\u003e—AMANDA HOLDEN,\u003c\/b\u003e Founder, Invested Development\u003c\/p\u003e \u003cp\u003e“In \u003ci\u003eOvercoming Debt, Achieving Financial Freedom,\u003c\/i\u003e Cindy Zuniga-Sanchez confronts the reality of a changing American Dream—one that isn’t defined by a specific salary, job title or milestone, but by the flexibility, autonomy and options to spend our time, money, and energy in whatever ways align with our own personal priorities. With empathy, understanding and a clear step-by-step action plan, Cindy empowers readers to overcome common barriers, like student loans and credit card debt, to achieve that financial freedom on their own terms.”\u003c\/p\u003e \u003cp\u003e\u003cb\u003e—STEFANIE O’CONNELL RODRIGUEZ,\u003c\/b\u003e Host, REAL SIMPLE Magazine’s \u003ci\u003eMoney Confidential\u003c\/i\u003e podcast\u003c\/p\u003e \u003cp\u003e“I’m a first gen Latina, and last Christmas my cousin asked me ‘Do you know Cindy from Zero-Based Budget? She’s a huge inspiration to me, as a Latina lawyer.’ Cindy has written a book that my cousin and so many other Latinas need and want; it’s a toolkit and representation all in one.”\u003c\/p\u003e \u003cp\u003e\u003cb\u003e—KARA PEREZ,\u003c\/b\u003e Founder, Bravely Go\u003c\/p\u003e \u003cp\u003e\"Cindy's powerful story and uniquely accessible way of talking about finance makes her the perfect teacher for anyone looking to transform their relationship with money, especially coming from being in debt. This book is practical, easy to understand, and takes the reader through the full process of building a healthy relationship to money without ever feeling overwhelming. I love Cindy's work!\"\u003c\/p\u003e \u003cp\u003e\u003cb\u003e—CHELSEA FAGAN,\u003c\/b\u003e Founder \u0026amp; CEO, The Financial Diet \u003c\/p\u003e","brand":"Wiley","offers":[{"title":"Default Title","offer_id":47989741125861,"sku":"NP9781119902324","price":27.95,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9781119902324.jpg?v=1761785321","url":"https:\/\/k12savings.com\/es\/products\/overcoming-debt-achieving-financial-freedom-isbn-9781119902324","provider":"K12savings","version":"1.0","type":"link"}