Personal Finance

A New York Times bestseller with more than 1.5 million copies sold Named a Best Book of the Year by the Economist and the Financial Times   "An essential read . . . loaded with good ideas that financial-service executives, policy makers, Wall Street mavens, and all savers can use."--John F. Wasik, Boston Globe   "Save the planet, save yourself. Do-gooders, policymakers, this one's for you."--Newsweek   Every day, we make decisions on topics ranging from personal investments to schools for our children to the meals we eat to the causes we champion. Unfortunately, we often choose poorly. Nobel laureate Richard Thaler and legal scholar and bestselling author Cass Sunstein explain in this important exploration of choice architecture that, being human, we all are susceptible to various biases that can lead us to blunder. Our mistakes make us poorer and less healthy; we often make bad decisions involving education, personal finance, health care, mortgages and credit cards, the family, and even the planet itself. In Nudge, Thaler and Sunstein invite us to enter an alternative world, one that takes our humanness as a given. They show that by knowing how people think, we can design choice environments that make it easier for people to choose what is best for themselves, their families, and their society. Using colorful examples from the most important aspects of life, Thaler and Sunstein demonstrate how thoughtful "choice architecture" can be established to nudge us in beneficial directions without restricting freedom of choice. Nudge offers a unique new take--from neither the left nor the right--on many hot-button issues, for individuals and governments alike. This is one of the most engaging and provocative books to come along in many years.

Shortlisted for the Financial Times & McKinsey Business Book of the Year Award. Get ready to change the way you think about economics. Richard H. Thaler has spent his career studying the radical notion that the central agents in the economy are humans--predictable, error-prone individuals. Misbehaving is his arresting, frequently hilarious account of the struggle to bring an academic discipline back down to earth--and change the way we think about economics, ourselves, and our world. Traditional economics assumes rational actors. Early in his research, Thaler realized these Spock-like automatons were nothing like real people. Whether buying a clock radio, selling basketball tickets, or applying for a mortgage, we all succumb to biases and make decisions that deviate from the standards of rationality assumed by economists. In other words, we misbehave. More importantly, our misbehavior has serious consequences. Dismissed at first by economists as an amusing sideshow, the study of human miscalculations and their effects on markets now drives efforts to make better decisions in our lives, our businesses, and our governments. Coupling recent discoveries in human psychology with a practical understanding of incentives and market behavior, Thaler enlightens readers about how to make smarter decisions in an increasingly mystifying world. He reveals how behavioral economic analysis opens up new ways to look at everything from household finance to assigning faculty offices in a new building, to TV game shows, the NFL draft, and businesses like Uber. Laced with antic stories of Thaler's spirited battles with the bastions of traditional economic thinking, Misbehaving is a singular look into profound human foibles. When economics meets psychology, the implications for individuals, managers, and policy makers are both profound and entertaining.

*Major New York Times Bestseller *More than 2.6 million copies sold *One of The New York Times Book Review's ten best books of the year *Selected by The Wall Street Journal as one of the best nonfiction books of the year *Presidential Medal of Freedom Recipient *Daniel Kahneman's work with Amos Tversky is the subject of Michael Lewis's best-selling The Undoing Project: A Friendship That Changed Our Minds In his mega bestseller, Thinking, Fast and Slow, Daniel Kahneman, world-famous psychologist and winner of the Nobel Prize in Economics, takes us on a groundbreaking tour of the mind and explains the two systems that drive the way we think. System 1 is fast, intuitive, and emotional; System 2 is slower, more deliberative, and more logical. The impact of overconfidence on corporate strategies, the difficulties of predicting what will make us happy in the future, the profound effect of cognitive biases on everything from playing the stock market to planning our next vacation--each of these can be understood only by knowing how the two systems shape our judgments and decisions. Engaging the reader in a lively conversation about how we think, Kahneman reveals where we can and cannot trust our intuitions and how we can tap into the benefits of slow thinking. He offers practical and enlightening insights into how choices are made in both our business and our personal lives--and how we can use different techniques to guard against the mental glitches that often get us into trouble. Topping bestseller lists for almost ten years, Thinking, Fast and Slow is a contemporary classic, an essential book that has changed the lives of millions of readers.

**OVER 4 MILLION COPIES SOLD around the world... THE PSYCHOLOGY OF MONEY is the original bestselling classic from the author of new book, SAME AS EVER.** Doing well with money isn't necessarily about what you know. It's about how you behave. And behavior is hard to teach, even to really smart people. Money--investing, personal finance, and business decisions--is typically taught as a math-based field, where data and formulas tell us exactly what to do. But in the real world people don't make financial decisions on a spreadsheet. They make them at the dinner table, or in a meeting room, where personal history, your own unique view of the world, ego, pride, marketing, and odd incentives are scrambled together. In The Psychology of Money, award-winning author Morgan Housel shares 19 short stories exploring the different ways people think about money and teaches you how to make better sense of one of life's most important topics.

This is not another boring personal finance book! Are you tired of spinning your wheels following financial advice that leaves you feeling broker than before? Are you pulling your hair out trying to follow the complicated instructions offered by the gurus? In The Black Girl's Guide to Financial Freedom, Paris Woods takes the guesswork out of wealth-building and presents a plan that anyone can follow. Paris spent years working in education and wanted to find a way to build wealth without changing careers or taking the traditional real estate or business routes. This book is the result of years of research and practice that helped her find a simpler path. Through real-life stories coupled with clear and actionable advice, you will learn to: - Build generational wealth- Avoid common financial traps- Earn your next degree debt-free- Achieve financial independence and retire early- Design a dream life you can start living todayThis book is perfect for Black women of any age, including young professionals just starting to set financial goals and mid-career women who are tired of following the same old rules and are ready to live life on their own terms. If freedom is your goal, then this is the book for you.

In The Latina's Guide to Money, Eva Macias pulls back the curtain on a segment of the population that is often reluctant or overwhelmed by the financial process...Latin women. Macias shows readers that taking charge of your finances can, in fact, be quite fun and exciting as you watch your money grow. This book reveals the cultural differences impacting the financial well-being for Latinas and includes everything you need to know about personal finance--whether you're just getting started or starting over again: Dealing with immigration issues that impact your finances, such as obtaining a TIN, paying taxes, working for cash, and more. Making your financial goals a priority and creating a plan in 60 minutes. Switching from being on "automatic" to paying attention to your money. Recognizing the cultural aspects involving money so you can make positive changes that matter. Successful strategies to communicate about money with your husband or partner. Leaving a legacy for your loved ones through life insurance, retirement planning, and setting up a successful business. How to become an expert about your finances and feel confident that you're in charge of your future. This matter-of-fact yet simple step-by-step process will inspire you to fund your financial dreams and live a life where you can have it all.

Two-thirds of all women, at some point in their lives, will have to independently manage their finances and those of their family. Yet studies show that most women have little confidence in their ability to invest and little interest in investing. Alice Finn is changing that. She believes that women can have it all and pay for it - they just have to know how. Finn bridges the gender gap in investing to get women excited about financial planning. With Smart Women Love Money, readers learn how to talk about and manage their own finances so that they're in control of their money and their futures.

Understand personal finance and put your money to work! Is your money working to increase your wealth? If not, it's time to take stock of your financial situation. Personal Finance For Dummies, 8th Edition offers time-tested financial tips and advice on how to continue to grow your financial assets in light of the changing market and economic conditions. A new breed of fiscal consciousness has arisen'and it's high time for you to join the movement by taking control over your financial life. This relevant text guides you through major financial subject areas, such as budgeting, saving, getting out of debt, making timely investment choices, and planning for the future. By looking at all aspects of your financial wellbeing, you can pinpoint the areas in which you need to change your strategy, and can identify how you can use the assets you have to continue to grow and protect your wealth. Personal finance is an important topic, as your financial wellbeing has an integral impact on so many aspects of your life. Taking the pulse of your finances every now and then is critical to ensuring that you're on the right track'and to identifying the areas in which you can improve your financial strategies. Explore time-tested financial tips and advice that help improve your financial wellbeing Consider how different aspects of your financial life work with and against one another, and how to bring them into alignment to enhance your overall financial situation Discover updated recommendations and strategies that account for changing market and economic conditions Look at your financial situation from a new perspective, and understand what you can do to improve it Personal Finance For Dummies, 8th Edition shows you how to take stock of your financial situation and put your money to work.

NEW YORK TIMES, WALL STREET JOURNAL, ANDUSA TODAY BESTSELLER. A ten-step plan for finding peace, safety, and harmony with your money-no matter how big or small your goals and no matter how rocky the market might be-by the inspiring and savvy "Budgetnista." "No matter where you stand in your money journey,Get Good with Moneyhas a lesson or two for you!"-Erin Lowry,bestselling author of theBroke Millennial series Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her ten-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide save and pay off millions in debt, and begin planning for a richer life. Revealing this practical ten-step process for the first time in its entirety, Get Good with Money introduces the powerful concept of building wealth through financial wholeness- a realistic, achievable, and energizing alternative to get-rich-quick and over-complicated money management systems. With helpful checklists, worksheets, a tool kit of resources, and advanced advice from experts who Tiffany herself relies on (her "Budgetnista Boosters"), Get Good with Money gets crystal clear on the short-term actions that lead to long-term goals, including- .A simple technique to determine your baseline or "noodle budget," examine and systemize your expenses, and lay out a plan that allows you to say yes to your dreams. .An assessment tool that helps you understand whether you have a "don't make enough" problem or a "spend too much" issue-as well as ways to fix both. .Best practices for saving for a rainy day (aka job loss), a big-ticket item (a house, a trip, a car), and money that can be invested for your future. .Detailed advice and action steps for taking charge of your credit score, maximizing bill-paying automation, savings and investing, and calculating your life, disability, and property insurance needs. .Ways to protect your beneficiaries' future, and ensure that your financial wishes will stand the test of time. An invaluable guide to cultivating good financial habits and making your money work for you, Get Good with Money will help you build a solid foundation for your life (and legacy) that's rich in every way.

Nipsey Hussle born Ermias Joseph Asghedom is often sited as a rapper and songwriter from Los Angeles, California but he was much more than that. Nipsey was a visionary, entrepreneur, community organizer, real estate investor, cryptocurrency enthusiast, activist, mentor, and so much more. Through his business moves, music, and community activism he was on a mission to teach his community about being fiscally responsible and owning your now and future in order to build wealth. On March 31, 2019, Nipsey was fatally shot outside his store, Marathon Clothing, and while it may have seemed that he died on that day, the truth is that Nipsey will live FOREVER! HussleNomics is a book dedicated to the legacy and teachings of Mr. Hussle with a step by step guide on how to implement each principle in your life. Nipsey often preached about the Marathon and as you know in a marathon the baton is often passed to the next runner to pick up where the other left off... HussleNomics is that baton! Long Live Nipsey Hussle! This is just the beginning!

The irreverent guide to investing, Boglehead style The Boglehead's Guide to Investing is a DIY handbook that espouses the sage investment wisdom of John C. Bogle. This witty and wonderful book offers contrarian advice that provides the first step on the road to investment success, illustrating how relying on typical "common sense" promoted by Wall Street is destined to leave you poorer. This updated edition includes new information on backdoor Roth IRAs and ETFs as mainstream buy and hold investments, estate taxes and gifting, plus changes to the laws regarding Traditional and Roth IRAs, and 401k and 403b retirement plans. With warnings and principles both precisely accurate and grandly counterintuitive, the Boglehead authors show how beating the market is a zero-sum game. Investing can be simple, but it's certainly not simplistic. Over the course of twenty years, the followers of John C. Bogle have evolved from a loose association of investors to a major force with the largest and most active non-commercial financial forum on the Internet. The Boglehead's Guide to Investing brings that communication to you with comprehensive guidance to the investment prowess on display at Bogleheads.org. You'll learn how to craft your own investment strategy using the Bogle-proven methods that have worked for thousands of investors, and how to: Choose a sound financial lifestyle and diversify your portfolio Start early, invest regularly, and know what you're buying Preserve your buying power, keeping costs and taxes low Throw out the "good" advice promoted by Wall Street that leads to investment failure Financial markets are essentially closed systems in which one's gain garners another's loss. Investors looking for a roadmap to successfully navigating these choppy waters long-term will find expert guidance, sound advice, and a little irreverent humor in The Boglehead's Guide to Investing.

With bracing clarity, Blinder shows us how the U.S. financial system, which had grown far too complex for its own good-and too unregulated for the public good-experienced a perfect storm beginning in 2007. When America's financial structure crumbled, the damage proved to be not only deep, but wide. It took the crisis for the world to discover, to its horror, just how truly interconnected-and fragile-the global financial system is. The second part of the story explains how American and international government intervention kept us from a total meltdown. Many of the U.S. government's actions, particularly the Fed's, were previously unimaginable. And to an amazing-and certainly misunderstood-extent, they worked. The worst did not happen. Blinder offers clear-eyed answers to the questions still before us, even if some of the choices ahead are as divisive as they are unavoidable. After the Music Stopped is an essential history that we cannot afford to forget, because one thing history teaches is that it will happen here again.

From the money nerds behind the award-winning Stacking Benjamins podcast, a new kind of personal finance book to get your house in order. Rich. Wealthy. Well-heeled. Moneyed. Affluent. Not bad--but why not get Stacked instead? If you've ever dreamed of a basic philosophy of money that'll help you live bigger, be bolder, and laugh harder, you need this book.   In these uncertain times, the basics matter more than ever. But for most of us, concepts such as investing, budgeting, and getting out of debt just don't float our boats (or 150-foot yachts)--and so we put them off longer than we should. Joe Saul-Sehy and Emily Guy Birken are here to tell you that personal finance can be a lot more fun than you think. (No haberdashery, maritime knowledge, or specialized flatware required.)   Learn about everything from side hustles, to hiring a legit financial adviser, to planning for emergencies, to what's new and exciting--and actually worth your time--in financial apps and software. If you're looking for the same old get-rich-quick clichés, avocado toast shaming, or alphabet soup of incomprehensible financial terms, you won't find them here. Instead, Saul-Sehy and Birken take you step by step along the way to financial success, with their signature blend of shrewd financial information and wacky humor.

In an age of great economic uncertainty when everyone is concerned about money and how they spend what they have, this updated edition of the bestselling Your Money or Your Life is an essential read. Millennial Money's Grant explains: 'The premise of it is that you exchange your time for money. And when you start thinking about how many hours of your life it took to save up the money to buy something, you really start thinking twice about your purchases.'

WASHINGTON POST "COLOR OF MONEY" BOOK CLUB PICK Stop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)! If you're a cash-strapped 20- or 30-something, it's easy to get freaked out by finances. But you're not doomed to spend your life drowning in debt or mystified by money. It's time to stop scraping by and take control of your money and your life with this savvy and smart guide. Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn't just cover boring stuff like credit card debt, investing, and dealing with the dreaded "B" word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including- - Understanding your relationship with moolah- do you treat it like a Tinder date or marriage material? - Managing student loans without having a full-on panic attack - What to do when you're out with your crew and can't afford to split the bill evenly - How to get "financially naked" with your partner and find out his or her "number" (debt number, of course) ... and much more. Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let's #GYFLT!

NEW AND REVISED 2017 EDITION NOW AVAILABLE. "A daring book....A life's worth of smart financial advice." --Newsweek The bestselling book that The New York Times hailed as "a highly readable and substantial guide to the grown-up realms of money and business," Get a Financial Life is a must-read for anyone in their twenties and thirties (or beyond) who wants to understand the basics of personal finance. If you've been meaning to get your finances in shape but have no idea where to start, this is your playbook. Get a Financial Life busts open the system, teaching tricks for becoming master of your own money universe. No matter what's happening in the economy, all the guidance you need is right here. You'll learn how to: -Pay off your credit cards and student loans and live debt free -Start saving, even if you're living paycheck to paycheck -Take advantage of the latest tax rules and save a bundle -Find smart investments while still supporting socially responsible companies -Come up with a down payment and buy a home, even in a tough economy -Afford grad school -Protect yourself from identity theft And you'll discover why a 401(k) is your best friend--in boom times and even if the market is tanking. From tracking your spending to finding deals on insurance to navigating the new world of homebuying, this easy-to-understand, comprehensive guide provides an up-to-date road map of the world of personal finance. Whether you earn $30,000 or $300,000, are single or married, are drowning in debt or just looking for ways to keep your savings secure in uncertain times, you'll find the answers you need in Get a Financial Life.

Learn about concepts, management, and commerce in The Business Book. Part of the fascinating Big Ideas series, this book tackles tricky topics and themes in a simple and easy to follow format. Learn about Business in this overview guide to the subject, great for beginners looking to learn and experts wishing to refresh their knowledge alike! The Business Book brings a fresh and vibrant take on the topic through eye-catching graphics and diagrams to immerse yourself in.  This captivating book will broaden your understanding of Business, with: - Up to 100 quotations from the great business thinkers and gurus - Packed with facts, charts, timelines and graphs to help explain core concepts - A visual approach to big subjects with striking illustrations and graphics throughout - Easy to follow text makes topics accessible for people at any level of understanding The Business Book is the perfect introduction the to key theories that have shaped the world of business, management, and commerce, aimed at adults with an interest in the subject and students wanting to gain more of an overview. Here you'll discover every facet of business management, including alternative business models, with real life examples from the marketplace. If you've ever wondered about the stages of business strategy, from start-up to delivering the goods, this is the perfect book for you. Your Business Questions, Simply Explained This book introduces the would-be entrepreneur and general reader to the work of great commercial thinkers, leaders, and gurus. Learn about the hurdles facing every new business, such as finding a gap in the market, securing finance, employing people, and creating an eye-catching brand. If you thought it was difficult to learn about the world of commerce, The Business Book presents information in an easy to follow layout. Learn the ideas of seminal business thinkers, such as Malcolm Gladwell's "tipping point", Michael Porter's "five forces", and Meredith Belbin's theories on effective teamwork, with fantastic mind maps and step-by-step summaries.  The Big Ideas Series With millions of copies sold worldwide, The Business Book is part of the award-winning Big Ideas series from DK. The series uses striking graphics along with engaging writing, making big topics easy to understand.

Learn about trade and global economic crises in The Economics Book. Part of the fascinating Big Ideas series, this book tackles tricky topics and themes in a simple and easy to follow format. Learn about Economics in this overview guide to the subject, great for novices looking to find out more and experts wishing to refresh their knowledge alike! The Economics Book brings a fresh and vibrant take on the topic through eye-catching graphics and diagrams to immerse yourself in.  This captivating book will broaden your understanding of Economics, with: - More than 100 of the greatest ideas in economics - Packed with facts, charts, timelines and graphs to help explain core concepts - A visual approach to big subjects with striking illustrations and graphics throughout - Easy to follow text makes topics accessible for people at any level of understanding The Economics Book is a captivating introduction to historically important and emerging ideas in a field of science that often confuses newcomers, aimed at adults with an interest in the subject and students wanting to gain more of an overview. Here you'll discover more than 100 of the greatest ideas, from the earliest experiences of trade to global economic crises, through exciting text and bold graphics. Your Economics Questions, Simply Explained This fresh new guide examines everything from the current financial climate of markets in turmoil and whole economies in melt-down. If you thought it was difficult to learn about this field of science, The Economics Book presents key information in a clear layout. From the earliest development of private property to the cutting-edge modern game theory, learn about centuries of economic thought, making clear even the most complex of concepts. The Big Ideas Series With millions of copies sold worldwide, The Economics Book is part of the award-winning Big Ideas series from DK. The series uses striking graphics along with engaging writing, making big topics easy to understand.

InExplore Money! With 25 Great Projects, money is more than something to earn, save, and spend. It's an opportunity to explore history, art, science, economics, and math! While checking out the change in their pockets and bills from their banks, young readers search for hidden treasures, learn how money can multiply, and see how countries keep their currency secure. Very large and very small numbers take on a new relevance when seen through the lens of money. Using familiar materials found in the home or classroom, young readers explore the cultural aspect of money as well as its physical properties, discovering how these properties have affected business and global relationships throughout history. Kids experiment with various substances to clean coins, scientifically test coin components, design their own currency, and plan how to allocate their own money. Understanding the whats, whys, and hows of currency helps children achieve financial literacy and establish a strong foundation for a healthy, life-long relationship with money. Explore Money! meets Common Core State Standards for literacy in language arts, and mathematics; Guided Reading Levels and Lexile measurements indicate grade level and text complexity.

Never before has there been a time when the economy has been so much a part of our daily lives. Today s young investors want to know the basics of finance especially how to make money grow. This complete guide explains in kid-friendly terms all about savings accounts, bonds, stocks, and even mutual funds!

Maybe you just started building your assets, or perhaps you already have many valuable items, such as collections or jewelry. Either way, it is important to protect your belongings. From beloved childhood treasures like baseball cards and comic books to big ticket items like musical instruments and automobiles, replacing your assets can be very expensive. Having insurance will help lessen your financial loss if your possessions are damaged, loss, or stolen. But buying a policy can be confusing and complicated. This book will answer many common questions about insurance-and how to minimize the chances you will need to use that insurance in the first place.

Explaining the language of finance and the skill of investing, this guide gives kids an early start at making their money grow. The book explains the general concept of money and demonstrates how saving works based on the concepts of simple and compound interest. Children then learn where Wall Street is located, what stocks and bonds do, and, with the help of an adult, the right way to buy or sell a stock, mutual fund, or savings bond. Dozens of projects illustrate how to balance a checkbook, read a stock table, and understand common financial terms such as inflation, recession, and the Federal Reserve Board. This updated edition details the current financial environment, including what is meant by a global economy, economic clues for recovery, and a special section on what mortgages are and how they work. Updated resources for further information online are also included.