{"product_id":"loaded-isbn-9781119258322","title":"Loaded","description":"\u003cp\u003e\u003cb\u003ePraise for \u003ci\u003eLOADED\u003c\/i\u003e\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\"\u003ci\u003eLOADED\u003c\/i\u003e is that rare resource which somehow captures both theoretical and practical wisdom about money, personality, and life. Your views – and actions – with money will be much improved after reading the wonderful advice in \u003ci\u003eLOADED\u003c\/i\u003e.\"\u003cbr\u003e\u003cb\u003e—James Grubman, PhD,\u003c\/b\u003e author of \u003ci\u003eStrangers in Paradise: How Families Adapt to Wealth Across Generations\u003c\/i\u003e and co-author of\u003ci\u003e Cross Cultures: How Global Families Negotiate Change Across Generations\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eYOUR MOST VALUABLE ASSET...IS YOU. LOADED WILL TEACH YOU HOW TO MAKE THE MOST OF IT.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eBased on decades of research and years of hands-on experience with people from all walks of life, \u003ci\u003eLOADED\u003c\/i\u003e is a must-read for anyone who finds themselves caught between the desire to thrive financially and the complex emotions and conflicting priorities that money so often brings to our lives.\u003c\/p\u003e \u003cp\u003eInside, you will learn to:\u003c\/p\u003e \u003cul\u003e \u003cli\u003e\n\u003cb\u003eCheck your stories.\u003c\/b\u003e Pinpoint and change beliefs that hold you back.\u003c\/li\u003e \u003cli\u003e\n\u003cb\u003eChoose your strategies.\u003c\/b\u003e Learn how to align your money with your needs.\u003c\/li\u003e \u003cli\u003e\n\u003cb\u003eCultivate your value.\u003c\/b\u003e Put your unique resources to use and earn more.\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eDeeply researched, yet written in an approachable, conversational tone, \u003ci\u003eLOADED\u003c\/i\u003e offers insight into how your personal experiences have shaped your financial attitudes, and how you can build a healthier relationship with money.\u003c\/p\u003e \u003cp\u003eAcknowledgments xi\u003c\/p\u003e \u003cp\u003eIntroduction 1\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: When It Comes to Money, We’ve All Got Issues 7\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eNote 9\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Money Messages 11\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWe Don’t Talk about Money 11\u003c\/p\u003e \u003cp\u003eWe Talk about Money Constantly 13\u003c\/p\u003e \u003cp\u003eFrom Freud to Frodo: The Stories We Tell Each Other 15\u003c\/p\u003e \u003cp\u003eThe Stories We Tell Ourselves 19\u003c\/p\u003e \u003cp\u003eStories Can Help or Hurt 24\u003c\/p\u003e \u003cp\u003eHeuristics and Biases Shape Our Stories 26\u003c\/p\u003e \u003cp\u003eIdentifying Core Beliefs 27\u003c\/p\u003e \u003cp\u003eChallenging Core Beliefs 28\u003c\/p\u003e \u003cp\u003eUsing Science to Our Advantage 32\u003c\/p\u003e \u003cp\u003eNotes 32\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Poverty, Privilege, and Prejudice: A Crash Course in the Science of Money Psychology 33\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eMoney and Social Psychology: How Poverty, Privilege, and Comparisons Affect Our Minds and Behavior 35\u003c\/p\u003e \u003cp\u003ePoverty: Why Not Having Enough Is a Major Drag 35\u003c\/p\u003e \u003cp\u003ePrivilege: Why Having an Advantage Is Great . . . and Not So Great 46\u003c\/p\u003e \u003cp\u003ePrejudice—We’ve All Got It 54\u003c\/p\u003e \u003cp\u003eMovin’ on Up 59\u003c\/p\u003e \u003cp\u003eMoney and Cognitive Psychology: How Specific Thinking Patterns Affect Financial Decisions 63\u003c\/p\u003e \u003cp\u003eWhy Retail Therapy Feels Good: Identity and Ego Depletion 64\u003c\/p\u003e \u003cp\u003eTime and Money: Why We Always Want It NOW 70\u003c\/p\u003e \u003cp\u003eThinking in Circles 81\u003c\/p\u003e \u003cp\u003eFinances and Emotions 83\u003c\/p\u003e \u003cp\u003eFinancial Knowledge 87\u003c\/p\u003e \u003cp\u003eMaking Change 90\u003c\/p\u003e \u003cp\u003eNotes 94\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: The LOADED Budget: Creating a Human-Centered Money Management Plan 99\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat’s Wrong with Your Budget? 100\u003c\/p\u003e \u003cp\u003eWhere Does Your Money Come from? 102\u003c\/p\u003e \u003cp\u003eAssets and Resources 108\u003c\/p\u003e \u003cp\u003eWhere Does Your Money Go? 114\u003c\/p\u003e \u003cp\u003eRules of Thumb for Creative Resource Management 140\u003c\/p\u003e \u003cp\u003eThe Asset Test 141\u003c\/p\u003e \u003cp\u003ePutting It in All Together: Your Personal Economy 149\u003c\/p\u003e \u003cp\u003eEnjoying a Loaded Life: Living in Harmony with Your Money and Your Values 161\u003c\/p\u003e \u003cp\u003eNotes 164\u003c\/p\u003e \u003cp\u003e\u003cb\u003eAppendix A: Self-assessments 167\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWrite Your Personal Financial Narrative 168\u003c\/p\u003e \u003cp\u003eDefine Your Core Beliefs 169\u003c\/p\u003e \u003cp\u003eFinancial Management Behavior Scale 170\u003c\/p\u003e \u003cp\u003eEmotions and Money (from HelloWallet’s 2014 Pilot Study) 171\u003c\/p\u003e \u003cp\u003eMental Imagery 172\u003c\/p\u003e \u003cp\u003eBehavior Identification Form 173\u003c\/p\u003e \u003cp\u003eHow Impulsive Are You? 174\u003c\/p\u003e \u003cp\u003eBig Five Financial Literacy Questions 175\u003c\/p\u003e \u003cp\u003e\u003cb\u003eAppendix B: Interventions and Exercises 177\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChange the Narrative 178\u003c\/p\u003e \u003cp\u003eChallenging Core Beliefs: Find a Counterexample 179\u003c\/p\u003e \u003cp\u003eAge Progression 180\u003c\/p\u003e \u003cp\u003eFuture Visualization Exercises 181\u003c\/p\u003e \u003cp\u003eExercises to Combat MoneyThink 182\u003c\/p\u003e \u003cp\u003eAffirm Core Values 183\u003c\/p\u003e \u003cp\u003eCash Flow Worksheet 184\u003c\/p\u003e \u003cp\u003eResources Worksheet 185\u003c\/p\u003e \u003cp\u003eExpenses and Needs Worksheet 186\u003c\/p\u003e \u003cp\u003eYour Personal Economy 187\u003c\/p\u003e \u003cp\u003eJust-In-Time Financial Education Resources 188\u003c\/p\u003e \u003cp\u003eAbout the Author 189\u003c\/p\u003e \u003cp\u003eIndex 191\u003c\/p\u003e What Others Are Saying: \u003cp\u003e\"\u003ci\u003eLOADED: Money, Psychology, and How to Get Ahead without Leaving Your Values Behind \u003c\/i\u003eis that rare resource which somehow captures both theoretical and practical wisdom about money, personality, and life. Sarah Newcomb has done a phenomenal job of distilling the latest concepts from behavioral finance and psychology for the benefit of the everyday reader who simply wants to know how to handle money better. She opens with a big-picture perspective on how we form our money personalities and behaviors, using relevant personal anecdotes and case examples. By book’s end, she leads us to taking charge of our money decisions to create budgets that really work. Writing in a highly readable style, her tone is upbeat and empowering. Your views – and actions – with money will be much improved after reading the wonderful advice in \u003ci\u003eLOADED\u003c\/i\u003e.\"\u003cbr\u003e- James Grubman, PhD. Author of \u003ci\u003eStrangers in Paradise: How Families Adapt to Wealth Across Generations \u003c\/i\u003eand co-author of \u003ci\u003eCross Cultures: How Global Families Negotiate Change Across Generations\u003c\/i\u003e \u003c\/p\u003e \u003cp\u003e\u003cb\u003eSARAH NEWCOMB, PhD,\u003c\/b\u003e is a behavioral economist at Morningstar and HelloWallet (a personal financial wellness company owned by Morningstar). An interdisciplinary scholar, Sarah is well versed in consumer psychology, economic decision-making, personal money management, and cognitive and social psychology.\u003c\/p\u003e  \u003cp\u003eDoes money represent luxury, security, and peace of mind, or stress, inequality, barriers, and greed? \u003ci\u003eLOADED\u003c\/i\u003e is written for anyone who struggles with their complex relationship with the so-called \"root of all evil.\"\u003c\/p\u003e \u003cp\u003eRather than offering traditional financial advice, Sarah Newcomb (a Morningstar behavioral economist) digs deeper and approaches money management from a fresh angle. \u003ci\u003eLOADED\u003c\/i\u003e explains how our experiences with money have a psychological basis and can often run counter to our core values. \u003c\/p\u003e\u003cp\u003eOur personal history has a profound influence on how we handle or mishandle money. In reality, however, money is a simple tool, a neutral resource that is full of possibilities. It can be used for good or for ill, and how we use it is entirely a matter of personal choice. Our relationship with money is almost never about the numbers. It is about \u003ci\u003ethe stories we tell ourselves\u003c\/i\u003e because of those numbers. We all come to believe certain stories based on our upbringing and our experiences with money. This is where our relationship with money is rooted, and this is where sound money management begins. \u003c\/p\u003e\u003cp\u003eBased on years of research and filled with illustrative stories, \u003ci\u003eLOADED\u003c\/i\u003e offers an important guide for identifying the harmful core beliefs about money and what can be done to challenge and overcome those negative beliefs. Once a clear understanding of an individual's beliefs about money is established, the human-centered approach to budgeting and money management can be put into action. This budgeting structure incorporates several principles from psychology that are missing or misaligned in traditional budgeting methods. \u003c\/p\u003e\u003cp\u003eThe fresh approach outlined in this book is a money management method rooted in psychology that offers a way of changing one's financial life by creating a plan for money that is both deeply satisfying and also sustainable over the long term. The author also includes a wealth of worksheets and personal money psychology assessments to aid in the \u003ci\u003eLOADED\u003c\/i\u003e process. \u003c\/p\u003e\u003cp\u003e\u003ci\u003eLOADED\u003c\/i\u003e offers an approach for discovering and understanding your relationship with money that will lead to more peace and satisfaction in your financial life.  \u003c\/p\u003e\u003cp\u003e\u003cb\u003ePraise for \u003ci\u003eLOADED\u003c\/i\u003e\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\"\u003ci\u003eLOADED\u003c\/i\u003e is that rare resource which somehow captures both theoretical and practical wisdom about money, personality, and life. Your views – and actions – with money will be much improved after reading the wonderful advice in \u003ci\u003eLOADED\u003c\/i\u003e.\"\u003cbr\u003e\u003cb\u003e—James Grubman, PhD,\u003c\/b\u003e author of \u003ci\u003eStrangers in Paradise: How Families Adapt to Wealth Across Generations\u003c\/i\u003e and co-author of\u003ci\u003e Cross Cultures: How Global Families Negotiate Change Across Generations\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eYOUR MOST VALUABLE ASSET...IS YOU. LOADED WILL TEACH YOU HOW TO MAKE THE MOST OF IT.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eBased on decades of research and years of hands-on experience with people from all walks of life, \u003ci\u003eLOADED\u003c\/i\u003e is a must-read for anyone who finds themselves caught between the desire to thrive financially and the complex emotions and conflicting priorities that money so often brings to our lives.\u003c\/p\u003e \u003cp\u003eInside, you will learn to:\u003c\/p\u003e \u003cul\u003e \u003cli\u003e\n\u003cb\u003eCheck your stories.\u003c\/b\u003e Pinpoint and change beliefs that hold you back.\u003c\/li\u003e \u003cli\u003e\n\u003cb\u003eChoose your strategies.\u003c\/b\u003e Learn how to align your money with your needs.\u003c\/li\u003e \u003cli\u003e\n\u003cb\u003eCultivate your value.\u003c\/b\u003e Put your unique resources to use and earn more.\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eDeeply researched, yet written in an approachable, conversational tone, \u003ci\u003eLOADED\u003c\/i\u003e offers insight into how your personal experiences have shaped your financial attitudes, and how you can build a healthier relationship with money.\u003c\/p\u003e","brand":"Wiley","offers":[{"title":"Default Title","offer_id":47989539143909,"sku":"NP9781119258322","price":29.0,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9781119258322.jpg?v=1761784514","url":"https:\/\/k12savings.com\/products\/loaded-isbn-9781119258322","provider":"K12savings","version":"1.0","type":"link"}