{"product_id":"the-money-book-for-the-young-fabulous-broke-isbn-9781594482243","title":"The Money Book for the Young, Fabulous \u0026 Broke","description":"\u003cb\u003eThe \u003ci\u003eNew York Times\u003c\/i\u003e bestselling financial guide aimed squarely  at \"Generation Debt\"—and their parents—from the country's most trusted  and dynamic source on money matters.\u003cbr\u003e\u003c\/b\u003e \u003cb\u003e\u003cbr\u003eThe Money Book for the Young, Fabulous \u0026amp; Broke\u003c\/b\u003e is  financial expert Suze Orman's answer to a generation's cry for help.  They're called \"Generation Debt\" and \"Generation Broke\" by the media —  people in their twenties and thirties who graduate college with a  mountain of student loan debt and are stuck with one of the weakest job  markets in recent history. The goals of their parents' generation — buy a  house, support a family, send kids to college, retire in style — seem  absurdly, depressingly out of reach. They live off their credit cards,  may or may not have health insurance, and come up so far short at the  end of the month that the idea of saving money is a joke. This  generation has it tough, without a doubt, but they're also painfully  aware of the urgent need to take matters into their own hands.\u003cbr\u003e \u003cb\u003e\u003cbr\u003eThe Money Book\u003c\/b\u003e was written to address the specific financial  reality that faces young people today and offers a set of real, not  impossible solutions to the problems at hand and the problems ahead.  Concisely, pragmatically, and without a whiff of condescension, Suze  Orman tells her young, fabulous \u0026amp; broke readers precisely what  actions to take and why. Throughout these pages, there are icons that  direct readers to a special YF\u0026amp;B domain on Suze's website that  offers more specialized information, forms, and interactive tools that  further customize the information in the book. Her advice at times bucks  conventional wisdom (did she just say use your credit card?) and may  even seem counter-intuitive (pay into a retirement fund even though your  credit card debt is killing you?), but it's her honesty, understanding,  and uncanny ability to anticipate the needs of her readers that has  made her the most trusted financial expert of her day.\u003cbr\u003e\u003cbr\u003eOver the course of ten chapters that can be consulted methodically,  step-by-step or on a strictly need-to-know basis, Suze takes the reader  past broke to a secure place where they'll never have to worry about  revisiting broke again. And she begins the journey with a bit of  overwhelmingly good news (yes, there really is good news): Young people  have the greatest asset of all on their side — time.\"An especially useful book for people who are young, in debt, and inexperienced. Fabulous!\" —\u003ci\u003eThe Miami Herald\u003cbr\u003e\u003cbr\u003e\"\u003c\/i\u003eAh, how we wish we'd read something like this when we were young, fabulous, and stupid. Financial advice for the loan-saddled, credit-card-maxed-out twenty-five to thirty-five-year-old set.\" —\u003ci\u003eThe Seattle Times\u003c\/i\u003e\u003cbr\u003e\u003cbr\u003e\"Orman does a good job of addressing in her friendly, conversational style the financial topics relevant to a younger audience.\" —\u003ci\u003eThe Kansas City Star\u003c\/i\u003e\u003cbr\u003e\u003cbr\u003e\"Orman has made her reputation being a financial know-it-all, and she is out in full force with her latest. As always, she doesn't mince words... Orman's writing is direct, her tone friendly. Orman believes in empowering her young readers by talking to them straight... Each page draws you in with tips, questions, strategies, and lots of information. It is a lively book.\" —\u003ci\u003ePittsburgh Tribune Review\u003c\/i\u003e\u003cbr\u003e\u003cbr\u003e\"Downright useful... Orman takes on the financial woes of the under-thirty-five crowd in this how-to book that tackles the mystery behind credit ratings, when to finance your dream business with credit-card debt, and how to talk to your boyfriend about his check-bouncing habit.\" —\u003ci\u003ePublishers Weekly\u003c\/i\u003e\u003cbr\u003e\u003cbr\u003e\"The first to target teens and twentysomethings, and she adapts her message appropriately, offering 'The Lowdown' on topics from credit scores to career moves to consolidating school debt.\" —\u003ci\u003eNewsweek\u003c\/i\u003e\u003cbr\u003e\u003cbr\u003e\"Written in a noncondescending manner, and Orman modifies some of the suggestions she has made for her older readers.\" —\u003ci\u003eNew York Post\u003c\/i\u003e\u003cbr\u003e\u003cbr\u003e\"Unlike other finance books, this one is accessible and addresses real problems. In her usual passionate tone, Orman counsels how to consolidate student loans, how to squeeze a bit more money out of your paycheck if you're making just enough to get by, how to deal practically with credit-card debt, how to shop for a new or used car, what type of auto insurance to purchase, and how to focus on getting the right job.\" —\u003ci\u003eThe Hartford Courant\u003c\/i\u003e\u003cb\u003eSuze Orman\u003c\/b\u003e is a two-time Emmy Award–winning television host, #1 \u003ci\u003eNew York Times\u003c\/i\u003e bestselling author, magazine and online columnist, writer\/producer, and  one of the top motivational speakers in the world today. Orman has  written nine consecutive \u003ci\u003eNew York Times\u003c\/i\u003e bestsellers and has  written, co-produced, and hosted seven PBS specials based on her books.  She is the seven-time Gracie Award–winning host of \u003ci\u003eThe Suze Orman Show,\u003c\/i\u003e which airs on CNBC. She is also a contributing editor to \u003ci\u003eO: The Oprah Magazine\u003c\/i\u003e. Twice named one of the “\u003ci\u003eTime\u003c\/i\u003e 100,” \u003ci\u003eTime\u003c\/i\u003e magazine’s list of the world’s most influential people, and named by \u003ci\u003eForbes\u003c\/i\u003e as one of the 100 most powerful women, Orman was the recipient of the  National Equality Award from the Human Rights Campaign. In 2009 she  received an honorary doctor of humane letters degree from the University  of Illinois at Urbana-Champaign and in 2010 she received an honorary  doctor of commercial science from Bentley University. Orman, a Certified  Financial Planner™ professional, directed the Suze Orman Financial  Group from 1987 to 1997, served as Vice President—Investments for  Prudential Bache Securities from 1983 to 1987, and was an account  executive at Merrill Lynch from 1980 to 1983. Prior to that, she worked  as a waitress at the Buttercup Bakery in Berkeley, California, from 1973  to 1980.\u003cb\u003eINTRODUCTION \u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e Listen, I know dealing with the responsibility of money, especially a lack of money, may not necessarily be high on your list of priorities. But something motivated you and brought you to this page, so in some way you are telling yourself it’s time to start dealing with your financial life. It’s time to make some changes.\u003cbr\u003e\u003cbr\u003eMost likely, you are young; I hope you feel you are fabulous; and chances are, you are also broke. I’ve talked to thousands of young people like you over the years, and, for what it’s worth, you’ve got plenty of company.\u003cbr\u003e\u003cbr\u003eBut you also have a great way out of your current situation. You have time. Because you are young, you have the time to right any missteps, and the time to build a solid financial life. I also know that you have the bandwidth to take the advice in this book and put it into action. You may be intent on feeling beaten up these days, but I’m not going to play along. I admire you for your grit in coping with a lousy job market, skyrocketing real estate values, and hefty student loans. But what I also hear when I talk to you is that you have what it takes to manage the hand you’ve been dealt.\u003cbr\u003e\u003cbr\u003eNow, having said all that, I wouldn’t be surprised if you’re wondering if this book can really deliver the goods or if it’s going to be yet another personal finance book by someone who has no clue about the issues you’re dealing with. I guarantee you that this is definitely not your parents’ money book. I get \u003ci\u003eyour \u003c\/i\u003esituation.\u003cbr\u003e\u003cbr\u003eThe advice in this book is customized to fit your life today. How do I know what you’re going through? Because you told me. You were quite blunt about what you want from me, as well as what you don’t want.\u003cbr\u003e\u003cbr\u003eYou want advice that deals with your reality—a set of solutions for the problems you have. You want to be told what to tackle first, and you want clear advice on how to get the job done. And that’s what you are going to get here, delivered as concisely as possible. I only dive into details that are absolutely crucial to your success. And you don’t need an iota of prior knowledge. I know you’ve been too busy or uninspired to figure out how a Roth IRA works, what a FICO score is, and why you should even care. No worries. I have written every section of this book so you can quickly and easily comprehend exactly what actions you need to take and why.\u003cbr\u003e\u003cbr\u003eWhat you don’t want is yet another personal finance book spewing the same old advice that doesn’t work for you. I completely agree. You won’t catch me telling you to cut back on the lattes and “simply” save $10 a day. As if saving $3,650 a year when you are broke could ever be simple. Nor will I tell you that credit cards are the devil in plastic (on the contrary, I think they can be good for you) or that you must have eight months of living expenses saved up as your emergency reserve fund before you are allowed past go. \u003ci\u003eUn-uh. \u003c\/i\u003eI know that’s not realistic or reasonable for the majority of you at this point in your lives.\u003cbr\u003e\u003cbr\u003eBesides, if you didn’t have credit card debt and you already had an eight-month emergency cash fund, why would you have picked up this book? You sure wouldn’t fit my definition of broke.\u003cbr\u003e \u003cb\u003e\u003cbr\u003eBROKE IS \u003c\/b\u003erelying on a cash advance on your credit card to pay the rent or mortgage, and praying that you have enough left on your credit line to do so.\u003cbr\u003e \u003cb\u003e\u003cbr\u003eBROKE IS \u003c\/b\u003ehaving a ton of student loans that make you nauseated when you think about how long it is going to take you to pay them off.\u003cbr\u003e \u003cb\u003e\u003cbr\u003eBROKE IS \u003c\/b\u003enot opening your credit card bills because you’re terrified to see what you owe and have no way of paying. So instead, you get hit with the late fee and finance charges.\u003cbr\u003e \u003cb\u003e\u003cbr\u003eBROKE IS \u003c\/b\u003ewanting to buy a home but having no clue where you can come up with the down payment. So you are stuck renting a small place.\u003cbr\u003e \u003cb\u003e\u003cbr\u003eBROKE IS \u003c\/b\u003ecounting every coin in your change jar as well as scrounging under the sofa cushions in a desperate attempt to find the dough to cover your bounced check and the $25 fee your bank is going to slap on you.\u003cbr\u003e \u003cb\u003e\u003cbr\u003eBROKE IS \u003c\/b\u003ewanting to save for your kids’ college educations but not knowing how to swing it because you are already strapped trying to make the mortgage and car payment, and you haven’t even started saving for your retirement.\u003cbr\u003e \u003cb\u003e\u003cbr\u003eBROKE IS \u003c\/b\u003enot having one penny saved, even though you have a good job. If your car breaks down, so will you. You don’t have the money for repairs, but you need the wheels to get to work.\u003cbr\u003e\u003cbr\u003eThis is by no means an exhaustive list. I’m sure if we all met up, we could have a great time seeing who has the best “Broke is” story. But even though your specific stories may differ, you all want the same thing. You want to fix your situation so you are no longer broke.\u003cbr\u003e\u003cbr\u003eThat is exactly what this book is about. Our starting point is that you are broke, by your or any definition. Our ending point is that you are not. And we aren’t just going to get you past broke, we are going to make sure you never revisit broke. This is such an important point; I see far too many people go from being broke to finally having some money, only to slip back to broke again because they didn’t know what to do with their money. I don’t want that to happen to you.\u003cbr\u003e\u003cbr\u003eHere’s the bottom line: You picked up this book because you are broke. Keep reading and you will discover what you need to know—and do—so you will not be broke forever.","brand":"Riverhead Books","offers":[{"title":"Default Title","offer_id":46303335612645,"sku":"NP9781594482243","price":20.0,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9781594482243.jpg?v=1767740548","url":"https:\/\/k12savings.com\/products\/the-money-book-for-the-young-fabulous-broke-isbn-9781594482243","provider":"K12savings","version":"1.0","type":"link"}