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Pequeño cerdo capitalista: Para hippies, yuppies y bohemios
By Sofía Macías. 2014
Lo que este libro busca es que conozcas bien las alternativas para escoger la mejor manera de hacer que tu…
dinero produzca de acuerdo con cuánto riesgo quieras asumir, cuánto te quieras clavar en el tema y cuánto le puedas dedicar, para que vayas construyendo riqueza real y no accidental. Pequeño Cerdo Capitalista ha alcanzado los 100.000 ejemplares en sólo un año y medio. Después del impactante éxito editorial de Pequeño Cerdo Capitalista, Sofía Macías presenta este libro que te hará ver el dinero desde otra perspectiva y lo que es mejor, te ayudará a sacarle un gran provecho a tus ahorros. Hay quienes aprendieron del Pequeño Cerdo Capitalista, ¡y lograron ahorrar! Pero entonces llega la pregunta: ¿Y ahora qué hago con el dinero que tengo ahorrado? ¿Lo dejo abajo del colchón? ¿Me lo gasto antes de que valga menos? ¿Los cambio por un premio junto con taparroscas?... O ¿en serio puedo empezar a invertir mis "pesitos"? Pequeño Cerdo Capitalista: Inversiones empieza por aclarar que "se hacen inversiones, no milagros", así que para obtener rendimientos sostenidos y reales, primero hay que grabarnos en la cabezota que requerimos tres cosas: tiempo, conocimientos y paciencia. El objetivo de este libro es que entiendas qué son en realidad las inversiones, conozcas tu perfil de inversionista, construyas tu estrategia de inversión, entiendas qué hay detrás de cada opción para que elijas las que embonen más con tus metas y que aprendas lo más posible cuándo hacer cambios y cuándo no alocarte. Recuerda que esto de las inversiones es un poco como aprender un nuevo idioma: puede que al principio solo balbuceemos o podamos hilar frases cortas y simples, pero conforme entendemos más de las palabras, cómo interactúan unas con otras y cuáles sirven para qué, el lenguaje cobra vida, se vuelve más útil y podemos usarlo para crear lo que queramos.Mind over Money: Overcoming the Money Disorders That Threaten Our Financial Health
By Brad Klontz, Ted Klontz. 2009
Do you overspend? Undersave? Keep secrets about money from a spouse or family member? Are you anxious about dealing with…
your finances? If so, you are not alone. Let's face it–just about all of have complicated, if not downright dysfunctional, relationships with money. As Drs. Brad and Ted Klontz, a father and son team of pioneers in the emerging field of financial psychology explain, our disordered relationships with money aren’t our fault. They don’t stem from a lack of knowledge or a failure of will. Instead, they are a product of subconscious beliefs and thought patterns, rooted in our childhoods, that are so deeply ingrained in us, they shape the way we deal with money our entire adult lives. But we are not powerless. By looking deep into ourselves and our pasts, we can learn to recognize these negative and self-defeating patterns of thinking, and replace them with better, healthier ones. Drawing on their decades of experience helping patients resolve their troubling issues with money, the Klontzes and describe the twelve most common “money disorders” - like financial infidelity, money avoidance, compulsive shopping, financial enabling, and more — and explain how we can learn to identify them, understand their root causes, and ultimately overcome them. So whether you want to learn how to make better financial decision, have more open communication with your spouse or kids about the family finances, or simply be better equipped to deal with the challenges of these tough economic times, this book will help you repair your dysfunctional relationship with money and live a healthier financial life.Manage Your Money Like a F*cking Grown-Up: The Best Money Advice You Never Got
By Sam Beckbessinger. 2018
You're going to earn plenty of money over your lifetime. Are you going to waste it on stupid crap that…
doesn't make you happy, or let it buy your freedom and your most audacious dreams?We never get an instruction manual about how money works. Most of what we learn about money comes from advertising or from other people who know as little as we do. No wonder we make such basic mistakes. No wonder we feel disempowered and scared. No wonder so many of us just decide to stick our heads in the damn sand and never deal with it. In Manage Your Money Like a F*cking Grown Up, Sam Beckbessinger tells it to you straight: how to take control of your money to take control of your life.In this clear and engaging basic guide to managing your finances, you will learn: - How to trick your dumb brain into saving more, without giving up fun- How to make a bona fide grown-up budget- Why you need to forget what you've learned about credit- How to negotiate a raise- Why buying a house (probably) won't make you rich- The one super-simple investment you needWith helpful exercises, informative illustrations (also: kittens) and straightforward advice, this book doesn't shy away from the psychology of money, and is empowering, humorous and helpful. The book you wish you'd had at 25, but is never too late to read.An easy-to-understand guide to the Affordable Care Act!Written by ABC World News' Real Money expert and healthcare advocate Michelle Katz,…
Healthcare Made Easy is the ultimate resource for understanding and navigating the Affordable Care Act. Using simple and easy-to-follow language, she answers important questions about the ACA, such as:Are there any exemptions to buying insurance under the Affordable Care Act?What is the new "80/20 Rule"? And what exactly is the Early Retiree Reinsurance Program?What does the ACA mean for small businesses? What benefits must you offer and what are the tax breaks?What is covered for your children under the new CHIP laws?How can you get pharmaceutical companies to lower your prescription costs? With the expert advice in Healthcare Made Easy, you will learn how to get the most out of your healthcare plan without having to sacrifice your needs or empty your pockets."Here is a guide, a map through the maze of healthcare decisions facing us all. Michelle has helped a lot of families. She is a champion of the consumer. A truly informed advocate." --Diane Sawyer"Michelle breaks down complicated laws and insurance regulations to make them understandable to everyone. She provides you with a road map to getting the best healthcare at the most affordable prices." --Tavis Smiley, Author, Television and Radio HostWear Clean Underwear!: A Fast, Fun, Friendly and Essential Guide to Legal Planning for Busy Parents
By Alexis Martin Neely. 2008
Learn the importance of planning ahead—not just for yourself but for your loved ones. Now that you’re a parent, simply…
wearing clean underwear when you leave home isn’t enough. Aside from planning birthday parties, playdates, and education, you also have to plan for your family’s future in the event you’re in an accident. What would happen in the first 24 hours, while the officials locate your family members and arrange for your children’s care? Are your plans sufficient to keep your children in the care of people you know and trust during these critical hours? And what about your money and home? Will your legal documents keep your family together or tear them apart? In an easy-to-read story format, this book helps you understand the importance of planning ahead to avoid unnecessary taxes, a broken-down court system, and unhappy outcomes—encouraging you to transfer your values, love, and support to your children with ease.Rule #1: The Simple Strategy for Getting Rich--in Only 15 Minutes a Week!
By Phil Town. 2006
Before I became “Phil Town, teacher of investing principles to more than 500,000 people a year,” I was a lot…
like you: someone who viewed individual stock investing as way too hard to do successfully. As a guy who barely made a living as a river guide, I considered the whole process pretty impenetrable, and I was convinced that to do it right you had to make it a full-time job. Me, I was more interested in having full-time fun.So I was tempted to do what you’re probably doing right now: letting some mutual fund manager worry about growing your nest egg. Let me tell you why that decision could one day make you absolutely miserable. The fact is, because of natural market cycles, the mutual fund industry is likely to soon be facing twenty years of flat returns. That means that if you’ve got your nest egg tucked away in funds—especially the type found in most 401ks—your egg won’t get much bigger than it is now. Translation: Get ready for a retirement filled with lots of cold cuts, plenty of quality TV-watching time, and a place to live that’s too small to accommodate your visiting kids.In this book I’ll show you how I turned $1,000 into $1 million in only five years, and then proceeded to make many millions more. I came to investing as a person who wasn’t great at math, possessed zero extra cash, and wanted a life—not an extra three hours of work to do every day.Fortunately, I was introduced to The Rule.Rule #1, as famed investor Warren Buffett will tell you, is don’t lose money. Through an intriguing process that I’ll clarify in this book, not losing money results in making more money than you ever imagined. What it comes down to is buying shares of companies only when the numbers—and the intangibles—are on your side. If that sounds too good to be true, it’s because the mind-set I’ll be introducing you to leads not to bets but to certainties. Believe me, if there were anything genius-level about this, I’d still be a river guide collecting unemployment much of the year.Part of the secret is thinking of yourself as a business owner rather than a stock investor. Part is taking advantage of today’s new Internet tools, which drastically reduce the “homework factor.” (We’re talking a few minutes, tops.) Part is knowing the only five numbers that really count in valuing a potential investment. And part—maybe the most important part—is using the risk-free Rule #1 approach to consistently pay a mere 50 cents to buy a dollar’s worth of a business.What I won’t waste your time with is fluff: a lot of vague parables reminding you of what you already know and leaving you exactly where you started. This is the real deal, folks: a start-to-finish, one-baby-step-at-a-time approach that will allow you to retire ten years sooner than you planned, with more creature comforts than you ever imagined.Also available as a Random House AudioBook and eBook.From the Hardcover edition.The Illusion of Money: Why Chasing Money Is Stopping You from Receiving It
By Kyle Cease. 2019
New York Times best-selling author and comedian-turned-motivational speaker, Kyle Cease, shows how your obsession with money is actually preventing you…
from living the life of your dreams."I can't afford that." "Now's not the right time . . . I need to save up." "Quit my job? Are you nuts?!" Sound familiar? Money is one of the biggest excuses we make to not go after what we really want. Our fixation with money--the desire for more of it, and the fear of not having enough of it--is often really just a longing to feel safe. But this obsession with money is coming at a much bigger cost: our sanity, our creativity, our freedom, and our ability to step into our true power.This book is about eliminating the need to seek safety through the illusion of money, and learning to see ourselves for the perfection that we are--so that we can bring our gifts to the world in an authentic way, and allow ourselves to receive massive, true abundance as a result.Kyle Cease has heard excuses like the ones above countless times at his live events, and he has shown people how to completely break through them. In The Illusion of Money, he shares his own experiences as well as practical tools to help readers understand their ingrained beliefs and attachments to money, and how they can tap into our infinite assets and talents."After 25 years as a successful comedian, actor, transformational speaker, author and junior-league amateur bowler, I've experienced many times how chasing money is not an effective way to create an abundant and fulfilling life. The most alive I've ever felt was after I left my comedy career at its peak to become a transformational speaker. I left tons of guaranteed money and so-called security for a complete unknown. It was terrifying--but what was on the other side of that terror was a completely different life that is not only more abundant financially, but has more freedom, more ease, more passion, more impact and more joy." -- Kyle CeaseIndebted: How Families Make College Work at Any Cost
By Caitlin Zaloom. 2019
How the financial pressures of paying for college affect the lives and well-being of middle-class familiesThe struggle to pay for…
college is one of the defining features of middle-class life in America today. At kitchen tables all across the country, parents agonize over whether to burden their children with loans or to sacrifice their own financial security by taking out a second mortgage or draining their retirement savings. Indebted takes readers into the homes of middle-class families throughout the nation to reveal the hidden consequences of student debt and the ways that financing college has transformed family life.Caitlin Zaloom gained the confidence of numerous parents and their college-age children, who talked candidly with her about stressful and intensely personal financial matters that are usually kept private. In this remarkable book, Zaloom describes the profound moral conflicts for parents as they try to honor what they see as their highest parental duty—providing their children with opportunity—and shows how parents and students alike are forced to take on enormous debts and gamble on an investment that might not pay off. What emerges is a troubling portrait of an American middle class fettered by the "student finance complex"—the bewildering labyrinth of government-sponsored institutions, profit-seeking firms, and university offices that collect information on household earnings and assets, assess family needs, and decide who is eligible for aid and who is not.Superbly written and unflinchingly honest, Indebted breaks through the culture of silence surrounding the student debt crisis, revealing the unspoken costs of sending our kids to college.Living Large On Less: A Guide to Saving without Sacrifice
By Christina Spence. 2010
Have it Allfor Half the PriceYou work hard for your money. Wouldn't you like to get more for it? Living…
Large on Less is full of hundreds of ways to save money without drastically altering your lifestyle. You can eat the food you want, wear your favorite designer's clothes, take a dream vacation and throw a great party without breaking the bank. With this advice, you'll never pay full-price again.Inside you'll find:Practical, easy-to-implement ways to save serious money on everyday expenses, from groceries to housing to transportationFun, creative ideas for saving on luxuries, from fine dining to high fashion to travelSimple, step-by-step instructions for setting and sticking to a budgetEffective strategies for defeating debtYou don't have to be a financial whiz (or even mathematically inclined) to manage your money. And you don't have to sacrifice all the things you love to save some cash. Just follow the simple ideas inside and you'll make your money stretch farther than you ever dreamed. And think of what you can do with that extra doughpay off debt, finance an education, buy a house, or even retire early. Whatever your motivation, it's never too early (or too late) to start living large on less.Foreclosure Survival Guide, The: Keep Your House or Walk Away With Money in Your Pocket
By Amy Loftsgordon. 2019
If you're having trouble making your mortgage payments or are already in danger of foreclosure, this guide will give you…
the practical information you need, including: the ins and outs of foreclosure how to decide if you should try to keep your house programs to help you avoid foreclosure alternatives to foreclosure, such as short sales and deeds in lieu delaying or avoiding foreclosure with bankruptcy, and how to avoid becoming the victim of a foreclosure scams. This edition is updated with the latest information on federal mortgage servicing laws, programs to help homeowners avoid foreclosure, relief for victims of natural disasters, recent court decisions affecting homeowners’ rights, and state foreclosure procedures and timelines.Scam Me If You Can: Simple Strategies to Outsmart Today's Rip-off Artists
By Frank Abagnale. 2019
Are you at risk of being scammed? Former con artist and bestselling author of Catch Me If You Can Frank…
Abagnale shows you how to stop scammers in their tracks.Maybe you're wondering how to make the scam phone calls stop. Perhaps someone has stolen your credit card number. Or you've been a victim of identity theft. Even if you haven't yet been the target of a crime, con artists are always out there, waiting for the right moment to steal your information, your money, and your life.As one of the world's most respected authorities on the subjects of fraud, forgery, and cyber security, Frank Abagnale knows how scammers work. In Scam Me If You Can, he reveals the latest tricks that today's scammers, hackers, and con artists use to steal your money and personal information--often online and over the phone. Using plain language and vivid examples, Abagnale reveals hundreds of tips, including: * The best way to protect your phone from being hacked * The only time you should ever use a debit card * The one type of photo you should never post on social media * The only conditions under which you should use WiFi networks at the airport * The safest way to use an ATM With his simple but counterintuitive rules, Abagnale also makes use of his insider intel to paint a picture of cybercrimes that haven't become widespread yet.Get What's Yours: The Secrets to Maxing Out Your Social Security (The Get What's Yours Series)
By Laurence J. Kotlikoff, Philip Moeller, Paul Solman. 2015
Get What’s Yours has proven itself to be the definitive book about how to navigate the forbidding maze of Social…
Security and emerge with the highest possible benefits. It is an engaging manual of tactics and strategies written by well-known financial commentators that is unobtainable elsewhere. You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but academia’s Kotlikoff, the popular press’s Moeller, and public television’s Solman explain the Social Security system just as comprehensively, and a lot more comprehensibly. Moreover, they demonstrate that what you don’t know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost individual retirees tens of thousands of dollars in lost income every year. (Some of those people are even in the book.) Changes to Social Security that take effect in 2016 make it more important than ever to wait as long as possible (until age 70, if possible) to claim Social Security benefits. The new law also has significant implications for those who wish to claim divorced spousal benefits (and how many Social Security recipients even know about divorced spousal benefits?). Besides addressing these and other issues, this revised edition contains a chapter explaining how Medicare rules can shape Social Security decisions. Many other personal-finance books briefly address Social Security, but none offers the full, authoritative, yet conversational analysis of Get What’s Yours. Get What’s Yours explains Social Security benefits through basic strategies and stirring stories. It covers the most frequent benefit scenarios faced by married retired couples; by divorced retirees; by widows and widowers. It explains what to do if you’re a retired parent of dependent children; disabled; an eligible beneficiary who continues to work. It addresses the tax consequences of your choices, as well as the financial implications for other investments. It does all this and more. There are more than 52 million Americans aged 54 to 69. Ten thousand of them reach Social Security’s full retirement age of 66 every day. For all these people—and for their families and friends—Get What’s Yours has proven to be an invaluable, and therefore indispensable, tool.The Richest Kids in America: How They Earn It, How They Spend It, How You Can Too
By Mark Victor Hansen. 2009
Get ready to meet some amazing entrepreneurial superstars who are living their dreams and making a big difference doing it.…
They’ve shared their stories to inspire you, teach you, and show you that your own opportunities are endless. How did they discover their passion? What were their first steps to building their business? Who supported them along the way? Why do they all choose to give back to their community? In this book you’ll learn the key principles that catapulted each of these incredible young entrepreneurs to success and how these same principles will lead you to a life of ultimate fulfillment.Spenditude: A Life-changing Attitude to Money
By Paul Gordon, Janine Robertson. 2019
Have you ever wondered why some people are naturally good with money? No matter your age or your income it…
is your spenditude – your attitude to money – that influences your financial success. Spenditude shows you how to tackle your habits and behaviours to uncover what drives your spending and allows you to gain financial security and live the life you want. This book is not about tedious budgets, get-rich-quick schemes, or giving up your daily coffee. Instead you will learn how to improve your relationship with money so you can release your financial anxiety and walk through life feeling in control. Financial wellbeing experts Paul Gordon and Janine Robertson reveal how with small and incremental steps you can empower yourself to change your spenditude for the better. Backed by extensive research, relatable case studies and in-depth interviews, this life-changing guide will help you get on the right path to financial security. It may seem an overwhelming task to change your thinking about money, but developing sound financial habits is within reach. Behaviour is the key that unlocks better financial outcomes. This motivating and practical guide will enable you to identify the habits you need to change, establish your financial goals and learn how to develop and follow a plan best-suited for your situation. Clear, straightforward chapters relate days of the week to the decades of your life – Monday to Friday is your working life and the weekend is your retirement – to drive home the fact that life is short so don't waste time. In a world where change is constant, FOMO is prevalent, and social media’s influence is unmistakable, there has never been a better time to take stock of your spenditude and put your financial future squarely in your own hands. Spenditude will change your attitudes to money so you can benefit from the coming changes and enjoy the rest of your life.Rescue Your Money: How to Invest Your Money During these Tumultuous Times
By Ric Edelman. 2016
New York Times bestselling author and investment guru Ric Edelman offers no-nonsense, practical advice for how to keep your investments…
safe no matter what the economic climate. With a cheerful tone that will boost even the most panicked investor's spirit, Edelman reveals the best investments you can make right now. If you're scared or confused about how to handle your investments and fed up with “advice” from brokers, advisors, and media darlings that has cost you huge sums and placed your financial security at risk, the cure is in your hands. Ric Edelman, an award-winning advisor with more than two decades of experience, reveals the one investment goal you should have, the two obstacles you'll face, and why you've been failing with your investment strategies. Above all, he shares the secret to successful investing—and even includes a special section for those who are already retired. Rescue yourself from the pain of watching your life savings go down the drain. Regain the confidence that your investments can provide you with lifelong financial security and prosperity. Get a great night's sleep by not having to lie awake worrying about your investments.Is “retail therapy” your favorite pastime—even though you really can’t afford it? Do you ignore the balance on your credit…
card statements, vowing to pay them off at some point down the line? Is your debt preventing you from living your dreams—like buying a home or starting a family? If so, girl, it’s time to get your credit straight!These days, with easy access to multiple credit cards and glossy advertisements that entice us to spend at every turn, it’s all too easy to start racking up debt—and even little slip-ups can lead to real damage over time. In this highly practical follow-up to her bestsellersGirl, Get Your Money Straight!andGirl, Make Your Money Grow!, financial expert Glinda Bridgforth delivers a power-packed plan for paying down debt, repairing your credit score, and securing your financial freedom—along with a future that makes your heart sing. Beginning with simple, engaging exercises to help you assess your spending habits and get clear about what you owe,Girl, Get Your Credit Straight!presents a detailed road map for eliminating debt, one step at a time. You will learn how to: • Devise a system for tracking expenditures, anticipating end-of-month shortfalls, and paying bills on time, every time• Find ways to supplement your income• Consolidate loans to pay off debt faster, decrease stress, and save time and money• Negotiate with your creditors to come up with a payment plan that works for you• Discover the best loans to use for refinancing debt or making major new purchases• Understand how credit bureaus work--and take steps to improve your scoreFilled with Bridgforth’s warmhearted wisdom and advice, and complete with worksheets, affirmations, and inspiring stories of African American women who’ve restored their credit and built new wealth,Girl, Get Your Credit Straight!is a fresh, empowering guide for any woman who wants to say goodbye to debt—for good.Millennial Money: How Young Investors Can Build a Fortune
By Patrick O'Shaughnessy. 2014
Fact: the Millennial Generation will not be able to rely on pensions and social security in retirement. Instead, they will…
have to save and invest in the global stock market to meet their goals. When it comes to thinking about money, Millennials are, as a generation, different from their parents. They are skeptical of expert advice, yet more committed than baby boomers to passing wealth on to future generations. To build wealth, young people must start investing early and buck conventional market wisdom. Millennial Money will explain the most common mistakes that hurt investors' long-term returns and show why their investments in popular stocks or the hottest industry of the day have resulted in such underwhelming results. More importantly, the book will introduce a strategy that can help us overcome our shortcomings as investors. Armed with this strategy, Millennials can become the most successful investing generation in history.Raising Financially Fit Kids, Revised
By Joline Godfrey. 2013
This combination parenting and personal finance book helps parents teach their children key money skills--such as saving, spending, budgeting, investing,…
building credit, and donating--that they'll need to become financially secure adults. Parents want their children to enjoy bright economic futures. But how do we equip the next generation with lifelong financial skills? In this updated edition of Raising Financially Fit Kids, Joline Godfrey shares knowledge gleaned from two decades of preparing children and families for financial independence and stewardship, philanthropic effectiveness, and meaningful economic lives. At the heart of the book are three big ideas:* Financial education is not just about the money; it's about building great families and raising self-confident kids who have the tools to realize their dreams.* Financial sustainability means living within one's means and acquiring skills to create and manage human and financial capital.* Giving wisely is a global citizen's responsibility.Designed for parents, grandparents, mentors, advisors, and educators, Raising Financially Fit Kids uses ten core money skills applied across five developmental life stages: children, tweens, middle schoolers, high schoolers, and twenty-somethings. Each stage includes age-appropriate activities that make financial fitness fun, from mall scavenger hunts to financial film festivals. In this global economic landscape, we all need financial fluency. Whether your child is five, fifteen, or twenty-five years old, it's never too late to teach financial literacy. Raising Financially Fit Kids prepares your children for the complexities of living in a global economy and helps your family up your game from good to great.The Seven Stages of Money Maturity: Understanding the Spirit and Value of Money in Your Life
By George Kinder. 2000
"A vital, seminal breakthrough work... Kinder penetrates money's enigmas and mythologies with the artist's delicate touch, the critic's discriminating eye…
. . . and the insightful sensitivity of a good human being. This book is a gift."--Richard Wagner, former chairman, Institute of Certified Financial Planners Replace anxiety, self-sabotage, and self-doubt around money with the sense of ease and freedom you deserve in The Seven Stages of Money Maturity, a one-of-a-kind guide in the life-changing tradition of The 9 Steps to Financial Freedom and Your Money or Your Life. A renowned Buddhist teacher as well as a Harvard-trained, nationally prominent certified financial planner, George Kinder draws on both disciplines to guide us toward a full understanding of the spiritual and psychological issues that surround money. Although many of us may assume that issues of money and spirit are separate, incompatible questions, George Kinder shows us that we must explore them together to attain true peace, freedom, and security in our money lives. Tracing the same path to transformation on which he has led his clients and lectured audiences for years, Kinder leads us through the Seven Steps of a journey to the profound liberation of awakening to a world of abundance and possibility. Revealing practical, market-tested wealth-building skills as well as the wisdom that contributes to understanding and enriching the role money plays across our lives from the surface to the soul, Kinder teaches us how to: Understand feelings that impact taking financial action Develop understanding and knowledge about money Eliminate stress and anxiety around money Let go of old patterns and painful habits Approach money tasks with energy and optimism Design a money life that is fulfilling both financially and spirituallyA powerful new way to look at your money and at your life, The Seven Stages of Money Maturity will help us experience each encounter with money as a step toward awakening and a powerful lesson in understanding the relationships we share with others and with ourselves.From the Hardcover edition.Pay It Down!: Debt-Free on $10 a Day
By Jean Chatzky. 2009
Jean Chatzky has been working with viewers of NBC’s Today show for a series on how to get out of…
debt once and for all. Her method, both on TV and in this book, is simple yet powerful: the key is saving just $10 a day that you currently waste. It doesn’t sound like much—a movie ticket or lunch for two at McDonald’s— but $10 really can take you from debt to wealth in just a few years. And because it doesn’t feel like an impossible goal, people are more likely to stick with Chatzky’s plan than an extreme regimen of spending cutbacks. Chatzky is focusing on debt because it’s the single biggest threat to our financial health. The average American family has sixteen credit cards and high-rate debt of more than $8000, not even counting car loans and mortgages. They pay more than $1000 a year in interest alone. Debt makes people feel depressed and overwhelmed, leaving them without enough money for the truly important things in life—education, retirement, owning a home, feeling secure. Chatzky, one of America’s most popular personal finance experts, writes in down- to- earth, woman-next-door language about how to get started right away, without giving up the things that truly give you pleasure. She offers practical, accessible strategies to help readers find the money to pay off their bills, lower their interest rates, and improve their credit scores. Featuring real-life examples of people featured on her Today show series, Pay It Down can transform debtors into future millionaires. .