“So many finance books are full of fluff, but NOT this one. Highly recommend!”
– Rachel Richards, Bestselling Author of Money Honey
Learn how to get your financial house in order. Increase your bottom line and put more money in your pockets now. This book is the quintessential–and entertaining–guide to making your financial dreams a reality and finally taking control of your hard-earned money.
Inside, you’ll find actionable steps including how to:
· Retire early
· Earn and use extra funds
· Find FREE money
· Take on a side hustle
· Get smart about your spending habits
· Manage good, bad, & ugly debt
· Avoid paying unnecessary fees
· And so much more!
If you’ve ever believed personal finance and investing are too difficult to learn or too time-consuming to keep up with, this book will make you think differently and will inspire you to take charge of your finances now.
“So many finance books are full of fluff, but NOT this one. Highly recommend!”
– Rachel Richards, Bestselling Author of Money Honey
Learn how to get your financial house in order. Increase your bottom line and put more money in your pockets now. This book is the quintessential–and entertaining–guide to making your financial dreams a reality and finally taking control of your hard-earned money.
Inside, you’ll find actionable steps including how to:
· Retire early
· Earn and use extra funds
· Find FREE money
· Take on a side hustle
· Get smart about your spending habits
· Manage good, bad, & ugly debt
· Avoid paying unnecessary fees
· And so much more!
If you’ve ever believed personal finance and investing are too difficult to learn or too time-consuming to keep up with, this book will make you think differently and will inspire you to take charge of your finances now.
You will not be able to quit your job right after you read this. But you will have the tools to put your financial house in order. Money can stop controlling your life and stressing you out all the time.
As soon as you finish reading this book, you’ll be on your way to FIRE (financial independence, retire early). Or at least to what I call FIRRE (financial independence, retire relatively early).
By “relatively,” I mean retiring earlier than you would if you choose to keep doing what you’re currently doing.
If you read this book and implement just a few of the ideas here, you’ll be making more, spending less, and investing more wisely. You’ll know how long you have to keep working before you can retire. And that retirement date will be a lot sooner than you think.
This book provides specific, actionable ways to improve your finances. My guess is that you are already smart and have good self-control. Most personal finance books assume the opposite. They’re written for Homer Simpson. Those books say that to get rich and retire early, all you need to do is follow a certain formula, plan, or blueprint. Or maybe it’s a 7-step or 9-step strategy. It’s always an odd number of steps for some reason. And there’s always at least one step that doesn’t make any sense at all, like telling you to wear reindeer-print socks every day.
To be clear, there is a lot to be said for those books. And the psychology behind this is real — a systematic approach can help you build confidence and start saving money when you might otherwise have gone further into debt. There is also fascinating psychological research about how to get people to save for retirement. My favorite study is one that used photoshop to show people what they’ll look like a few decades from now. After staring at pictures of their greying selves, they were inclined to save more for retirement.
People can improve their finances greatly through systematic planning and psychological tricks to make better choices. Most of us make more wrong financial choices than right ones, so it is great when any book gets someone to clean up their act in any way.
But my problem with those books is that they tend to be quite patronizing. They focus on how to help people get out of debt and obtain financial prosperity despite immense mental impairment. They provide helpful graphs like the following:
Strategy: Mismanaging your money
Outcome: Bad
Strategy: Managing your money
Outcome: Good
You will not see any graphs like that in this book.
This book takes a different approach. I’m not writing this for Homer Simpson. I’m writing it for you. I’m assuming that you will make the right choice when given the right information.
I’m not going to teach you how to Jedi mind-trick yourself into getting out of debt and saving more money. I’m not going to teach you how to hide money from yourself by setting up separate bank accounts in North Dakota and never looking at them. I’m not even going to recommend you track your spending or create a budget.
This book is focused on providing you good information. Once you have that information, it will be up to you to decide what to do with it.
Before we go any further, I’ve got a few disclaimers to make. (Hey, I’m a lawyer, so what do you expect?) Please read the copyright page of this book. As noted there, I’m writing this book entirely in my personal capacity. Also, I am not a professional accountant, financial advisor, or tax specialist. This book and everything in it is for general informational purposes only. Nothing in here substitutes for consulting with a professional.
By now you’re probably wondering, “Wait, if this guy has to give that many disclaimers, then why the hell am I reading his book?” Fair point. I won’t blame you if you return this book now. (Really — see my later chapter on returning products that don’t meet expectations.)
But let me tell you three things you’ll get out of this book that you cannot get anywhere else.
First, the information in here comes from personal experience that helped me improve my family’s finances by $300,000 in one year. This did not come from being wealthy or from compromising our family’s values. I’m a public interest lawyer, after all, and for most of my career, our family of five has lived off a total household income of around $50,000. Our family also values protecting the environment, and in this book, you’ll see that many environmentally friendly choices are also the best choices for your finances. Our family’s $300,000 change in our financial situation came from receiving forgiveness of federal student loans, refinancing our home and private student loans, and using many of the other tips in this book for how to make more, spend less, and invest wisely.
Second, this book gathers the best information available and puts it all in one place. It’s one-stop shopping for information about personal finance and investing. The techniques and strategies here come from an enormous amount of research. Before writing this book, I read, watched, or listened to countless books, websites, podcasts, blogs, and videos about personal finance and the FIRE movement. I’ve spent many hours sifting through all of this material to bring you the very best information available. I hate it when people waste my time, so I’m not going to waste yours.
Third, you’ll have fun reading this book. Not because of me or anything I’ve done, but because of my dad and the stories you’ll soon read about him. Every anecdote in here is true, and they all come with an important financial lesson. If you find reading those stories even half as entertaining as they were when I was living them, you’ll get some good laughs. Enjoy!
-Kyle
Kyle Landis-Marinello, author of Personal Finance & Investing: How Anyone Can Make More, Spend Less, And Invest Wisely said, "The easiest way to become a millionaire is to max out your Roth IRA or IRA every year during the course of your career." He also said you should prioritize education and experiences over consumption. If these financial truths sound new to you, it’s because Marinello’s advice is truly different from the average accountant or financial planner. This public interest lawyer’s salary is $50,000, yet he improved his family’s finances by $300,000 in one year.
Marinello has a simple message: Anyone can achieve financial independence when you know how to push the save and spend levers. His 17 money tips are practical and debunk myths. He clearly disproves the jargon you’ve heard from well-intentioned, but ignorant people. Marinello believes you will make wise choices when given the right information like how to receive cash for refinancing student loans or signing up for credit cards. Most importantly, he explains that your income doesn't correlate to your retirement needs. Surprisingly, he referred to other notable financial wizards like Scott Trench and Ramit Sethi.
Unlike most financial planning books, the cover was colorful and engaging. The tone was casual and funny. I loved the examples about his father and his tea drinking habit that costs $4,000 per year. However, the information was sobering and revealed eye-opening facts that will make you rethink your financial habits. Also, the emphasis of spending versus environmentally-friendly practices was informative. For example, downsizing your house to positively affect climate change. Marinello graduated from Vermont Law School and was the former editor of Michigan Law Review. The 198-page guide is his first book. Personal Finance & Investing is highly recommended for anyone who wants to take control of their finances.