{"product_id":"the-personal-finance-cookbook-isbn-9781394210299","title":"The Personal Finance Cookbook","description":"\u003cp\u003e\u003cb\u003eA fun and straightforward approach to learning personal finance and budgeting\u003c\/b\u003e \u003c\/p\u003e\u003cp\u003e\u003ci\u003eIn The Personal Finance Cookbook,\u003c\/i\u003e Certified Financial Planner™ certificant and celebrated social media creator Nick Meyer delivers a fun and engaging toolkit for a variety of personal finance tasks, including budgeting, investing, and buying a house. In the book, you'll find a cookbook-style collection of “recipes” detailing the steps you need to take to complete various common and important money-related tasks. \u003c\/p\u003e\u003cp\u003eYou'll learn how to avoid the “paralysis by analysis” that often traps people into doing very little about their personal finances before it's too late. You'll also discover how to take meaningful, concrete steps toward change and positive action. \u003c\/p\u003e\u003cp\u003eThe book includes: \u003c\/p\u003e\u003cul\u003e \u003cli\u003eStrategies for household budgeting and how to start investing your money\u003c\/li\u003e \u003cli\u003eThe best ways to start saving for your first home and your first car\u003c\/li\u003e \u003cli\u003eThe steps you should take before and while applying for your first credit card and strategies for building your credit rating\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eAn invaluable resource for young families, new professionals just beginning their career journeys, and people starting to get ready for retirement, \u003ci\u003eThe Personal Finance Cookbook\u003c\/i\u003e is the perfect book for everyone hoping to get a strong grip of their money situation once and for all. \u003c\/p\u003e\u003cp\u003eAbout the Author xi\u003c\/p\u003e \u003cp\u003eIntroduction xiii\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: \u003c\/b\u003e\u003cb\u003eThe Basics 1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e1.1 How to Open a Checking Account 1\u003c\/p\u003e \u003cp\u003e1.2 How to Open a High-Yield Savings Account 3\u003c\/p\u003e \u003cp\u003e1.3 How to Build an Emergency Fund 5\u003c\/p\u003e \u003cp\u003e1.4 How to Build a Bulletproof Budget 7\u003c\/p\u003e \u003cp\u003e1.5 How to Calculate Your Net Worth 10\u003c\/p\u003e \u003cp\u003e1.6 How to Calculate Your Financial Independence “Number” 12\u003c\/p\u003e \u003cp\u003e1.7 How to Choose a Savings Rate Based on When You Want to Retire 15\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: \u003c\/b\u003e\u003cb\u003eInvesting in the Stock Market 19\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e2.1 How to Open a Brokerage Account 19\u003c\/p\u003e \u003cp\u003e2.2 How to Open Roth and Traditional IRAs 23\u003c\/p\u003e \u003cp\u003e2.3 How to Open a 401(k) 27\u003c\/p\u003e \u003cp\u003e2.4 How to Change Brokers 29\u003c\/p\u003e \u003cp\u003e2.5 How to Choose What to Invest In 32\u003c\/p\u003e \u003cp\u003e2.6 How to Buy Your First Stock 36\u003c\/p\u003e \u003cp\u003e2.7 How to Invest as a Kid (or for Your Kids) 39\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: \u003c\/b\u003e\u003cb\u003eCredit 43\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e3.1 How to Decide When to Use a Debit Card vs a Credit Card 43\u003c\/p\u003e \u003cp\u003e3.2 How to Open Your First Credit Card 47\u003c\/p\u003e \u003cp\u003e3.3 How to Open Your Next Credit Card 51\u003c\/p\u003e \u003cp\u003e3.4 How to Build Your Credit Score 54\u003c\/p\u003e \u003cp\u003e3.5 How to Build Your Kid’s Credit Score Before They Can Even Walk 56\u003c\/p\u003e \u003cp\u003e3.6 Travel Hacking: How to Use Credit Card Rewards to Travel for Free (or at a Steep Discount) 59\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: \u003c\/b\u003e\u003cb\u003eDebt 65\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e4.1 How to Differentiate Between “Good” and “Bad” Debt 65\u003c\/p\u003e \u003cp\u003e4.2 The Debt Snowball Method: The Best Way (Behaviorally) to Pay Off Debt 68\u003c\/p\u003e \u003cp\u003e4.3 The Debt Avalanche Method: The Best Way (Logically) to Pay Off Debt 71\u003c\/p\u003e \u003cp\u003e4.4 How to Lower Your Interest Rate by Consolidating Debt 74\u003c\/p\u003e \u003cp\u003e4.5 How to Qualify for a Debt Management Plan 76\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: \u003c\/b\u003e\u003cb\u003eBig Purchases 79\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e5.1 How to Not Get Scr*wed When Buying a Car 79\u003c\/p\u003e \u003cp\u003e5.2 How to Decide Between Leasing and Buying a Car 82\u003c\/p\u003e \u003cp\u003e5.3 How to Ensure Your Wedding Doesn’t Set You Back Years Financially 85\u003c\/p\u003e \u003cp\u003e5.4 Pets: How Much They Cost and How to Save Money on Common Expenses 87\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 6: \u003c\/b\u003e\u003cb\u003eCollege 91\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e6.1 How to Save Money on College While You’re Still in High School 91\u003c\/p\u003e \u003cp\u003e6.2 How to Apply for Grants 95\u003c\/p\u003e \u003cp\u003e6.3 How to Apply for Scholarships 98\u003c\/p\u003e \u003cp\u003e6.4 How to Make College a Good Investment 101\u003c\/p\u003e \u003cp\u003e6.5 How to Use a 529 Plan to Save for Your Kid’s College 105\u003c\/p\u003e \u003cp\u003e6.6 How to Pay Off Your Student Loans 108\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 7: \u003c\/b\u003e\u003cb\u003eHousing 113\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e7.1 Is It Better for You to Rent or Buy a House? 113\u003c\/p\u003e \u003cp\u003e7.2 How to Tell If Rent\/Your Mortgage Payment Is Too Expensive for Your Income Level 116\u003c\/p\u003e \u003cp\u003e7.3 How to Buy Your First House 118\u003c\/p\u003e \u003cp\u003e7.4 How to Decide Between a 15-Year vs 30-Year Mortgage 121\u003c\/p\u003e \u003cp\u003e7.5 How to Reduce Your Living Expenses by House Hacking 123\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 8: \u003c\/b\u003e\u003cb\u003eHow to Make More Money 129\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e8.1 How to Negotiate Your Starting Salary and Signing Bonus 129\u003c\/p\u003e \u003cp\u003e8.2 How to Ask for a Raise 133\u003c\/p\u003e \u003cp\u003e8.3 How to Maximize Your Employee Benefits 135\u003c\/p\u003e \u003cp\u003e8.4 How to Raise Your Salary by Job-Hopping without Ruining Your Reputation 139\u003c\/p\u003e \u003cp\u003e8.5 How to Start a Side Hustle 142\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 9: \u003c\/b\u003e\u003cb\u003eTaxes 149\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e9.1 How to Pay Taxes If You Have a Normal Job 149\u003c\/p\u003e \u003cp\u003e9.2 How to Pay Taxes as a Business Owner, Independent Contractor, or Freelancer 154\u003c\/p\u003e \u003cp\u003e9.3 How Investments Are Taxed 160\u003c\/p\u003e \u003cp\u003e9.4 How Tax Extensions Work and How to File Them 164\u003c\/p\u003e \u003cp\u003e9.5 How Amended Tax Returns Work and How to File Them 168\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 10: \u003c\/b\u003e\u003cb\u003eRetirement 173\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e10.1 How to Begin Drawing Your Social Security Benefits 173\u003c\/p\u003e \u003cp\u003e10.2 How and When You’re Required to Draw from Your Retirement Accounts 176\u003c\/p\u003e \u003cp\u003e10.3 How to Determine How Much You Should Spend Each Year in Retirement 180\u003c\/p\u003e \u003cp\u003e10.4 How to Roll Over Old 401(k)s to an IRA 183\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 11: \u003c\/b\u003e\u003cb\u003eCharitable Giving 187\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e11.1 How to Report Charitable Donations on Your Tax Return 187\u003c\/p\u003e \u003cp\u003e11.2 How to Open a Donor-Advised Fund for Tax-Advantaged Giving 190\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 12: \u003c\/b\u003e\u003cb\u003eInsurance 197\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e12.1 How to Use an HSA as an Extra Retirement Account 197\u003c\/p\u003e \u003cp\u003e12.2 How to Obtain Health Insurance When It Isn’t Provided by Your Employer (When Turning 26) 201\u003c\/p\u003e \u003cp\u003e12.3 How to Use an HSA as an Extra Retirement Account 205\u003c\/p\u003e \u003cp\u003e12.4 How to Obtain Homeowner’s Insurance 210\u003c\/p\u003e \u003cp\u003e12.5 How to Obtain Renter’s Insurance 213\u003c\/p\u003e \u003cp\u003e12.6 How to Obtain and Save Money on Car Insurance 216\u003c\/p\u003e \u003cp\u003e12.7 How to Determine When You Need Life Insurance 221\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 13: \u003c\/b\u003e\u003cb\u003ePassive Income 225\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e13.1 Why Passive Income Is the Best Form of Income 225\u003c\/p\u003e \u003cp\u003e13.2 How to Earn Passive Income from the Stock Market 227\u003c\/p\u003e \u003cp\u003e13.3 How to Earn Passive Income from Real Estate Investing 231\u003c\/p\u003e \u003cp\u003e13.4 How to Earn Passive Income from Digital Products 236\u003c\/p\u003e \u003cp\u003e13.5 How to Earn Passive Income from Affiliate Marketing 240\u003c\/p\u003e \u003cp\u003eIndex 245\u003c\/p\u003e  \u003cp\u003e\u003cb\u003eNICK MEYER\u003c\/b\u003e is a Certified Financial Planner\u003csup\u003e™\u003c\/sup\u003e certificant and the most followed Certified Financial Planner\u003csup\u003e™\u003c\/sup\u003e certificant on social media with 1.6 million+ followers across platforms. He’s on a mission to increase financial literacy by making personal finance fun and engaging. He has over one million followers across a variety of social platforms and has appeared on NBC, CBS, Yahoo! Finance, and Bloomberg.   \u003c\/p\u003e\u003cp\u003e\u003cb\u003eA fun and engaging way to learn about personal finance\u003c\/b\u003e \u003c\/p\u003e\u003cp\u003eIn \u003ci\u003eThe Personal Finance Cookbook\u003c\/i\u003e, Certified Financial Planner\u003csup\u003e™\u003c\/sup\u003e certificant and author Nick Meyer delivers a comprehensive toolkit for personal finance tasks like budgeting, investing, and buying a house. Written in the style of a cookbook, complete with engaging imagery and in list format, the book outlines the steps you need to take to complete various personal finance tasks. It helps remove the paralysis by analysis that often accompanies money-related tasks and assists you in taking positive action. \u003c\/p\u003e\u003cp\u003eYou’ll explore the best way to budget for your household, how to start investing, how to buy a home and a car, how to build your credit score, and how to apply for your first credit card. You’ll also discover how to maximize credit card rewards and sign-up bonuses and even how to negotiate a signing bonus at your next job. \u003c\/p\u003e\u003cp\u003ePerfect for young working people, members of growing families, and people just starting to prepare for retirement, \u003ci\u003eThe Personal Finance Cookbook\u003c\/i\u003e is an indispensable and fun resource for anyone hoping to get a better handle on their money situation once and for all.\u003c\/p\u003e","brand":"Wiley","offers":[{"title":"Default Title","offer_id":47990309290213,"sku":"NP9781394210299","price":24.95,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9781394210299.jpg?v=1761787298","url":"https:\/\/k12savings.com\/es\/products\/the-personal-finance-cookbook-isbn-9781394210299","provider":"K12savings","version":"1.0","type":"link"}