The Personal Finance category has 1,244 audiobooks on Listento.it, with an average listener rating of 4.4★ across 15,025 ratings. The most-rated is Rich Dad Poor Dad.

1,244 audiobooks
Cover art for F.U. Money

F.U. Money

143 ratings

Summary

Are you tired of the rat race? Do you wish you had more time and more money? Would you like to never work again? If you answered "yes!", then you need to look no further than Dan "The Man" Lok's new book - F.U. Money. If you have ever thought to yourself: "How come I have to keep going back to this dead-end job? How can I make enough money to afford to stop working and start having fun? When will it be my turn to live the good life?" Imagine how your life would be if you knew what it really takes to make more money than you have ever dreamed possible. For instance, can you imagine that... All the money stress in your life suddenly vanishes? You get to fire your boss and tell him where to shove it? Take holidays whenever you want and for as long as you want? You are living in the house of your dreams, driving the car of your dreams, and also have a boat and a cabin and even a plane if you want? You can afford to give your children the perfect, healthy, fun, and fulfilling childhood that you always wanted to give them? In this no-nonsense, no-holds-barred guide, international entrepreneur, best-selling author, and self-made multi-millionaire Dan Lok shows you how to live the lifestyle you really want without having to work or rely on anyone else for money.

©2016 Dan Lok (P)2016 Gildan Media LLC

Narrator: Dan Lok
Author: Dan Lok
Length: 4 hrs and 50 mins
Available on Audible
Cover art for Rich Dad's Increase Your Financial IQ

Rich Dad's Increase Your Financial IQ

137 ratings

Summary

Many of our global economic problems started in 1971...when President Richard Nixon took the U.S. off the gold standard. Throughout history, when a government went off the gold standard, an age of turbulence began. In 1997, Robert's book Rich Dad Poor Dad stunned readers stating, "Your house is not an asset." As howls of protest went up around the world, the book went on to become an international bestseller and the #1 personal finance book of all time. Rich Dad Poor Dad is not a book on real estate. It is a book about the importance of financial education. Rich Dad Poor Dad was written to prepare you and your loved ones for the financial turbulence Robert's rich dad saw coming. In 2007, as homes declined in value or were lost to foreclosure, millions of homeowners painfully discovered the wisdom of words of Robert's rich dad. Today we are all aware that a home can be a liability. Today we know a home can go up or down in value. Today we all know a person can lose money investing in the stock market. Today we all know our money can go down in value and that even savers can be losers. This is why financial intelligence is more important today than ever before. In a world of financial turbulence, your best asset is financial IQ.

©2008, 2013 by Robert T. Kiyosaki. (P)2013 Brilliance Audio, all rights reserved.

Narrator: Tim Wheeler
Length: 8 hrs and 32 mins
Available on Audible
Cover art for Quit Like a Millionaire

Quit Like a Millionaire

135 ratings

Summary

From two leaders of the FIRE (Financial Independence, Retire Early) movement, a bold, contrarian guide to retiring at any age, with a reproducible formula to financial independence A bull***t-free guide to growing your wealth, retiring early, and living life on your own terms Kristy Shen retired with a million dollars at the age of 31, and she did it without hitting a home run on the stock market, starting the next Snapchat in her garage, or investing in hot real estate. Learn how to cut down on spending without decreasing your quality of life, build a million-dollar portfolio, fortify your investments to survive bear markets and black-swan events, and use the four percent rule and the Yield Shield - so you can quit the rat race forever. Not everyone can become an entrepreneur or a real estate baron; the rest of us need Shen's mathematically proven approach to retire decades before 65. PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio. The PDF includes detailed charts, graphs, formulas, illustrated strategies, and the complete appendices from the book, to help reach financial independence and retire early.

©2019 Kristy Shen and Bryce Leung (P)2019 Penguin Audio

Available on Audible
Cover art for The Simple Path to Wealth

The Simple Path to Wealth

135 ratings

Summary

This book grew out of a series of letters to my daughter concerning various things - mostly about money and investing - she was not yet quite ready to hear.  Since money is the single most powerful tool we have for navigating this complex world we've created, understanding it is critical.  "But Dad," she once said, "I know money is important. I just don't want to spend my life thinking about it." This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run.  Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms.  Here's an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective.  The simple approach I created for her and present now to you is not only easy to understand and implement, it is more powerful than any other.  Together we'll explore:  Debt: why you must avoid it and what to do if you have it  The importance of having f-you money  How to think about money, and the unique way understanding this is key to building your wealth  Where traditional investing advice goes wrong and what actually works  What the stock market really is and how it really works  Why the stock market always goes up and why most people still lose money investing in it  How to invest in a raging bull or bear market  Specific investments to implement these strategies  The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age  How your asset allocation is tied to those phases and how to choose it  How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA, and Roth accounts  TRFs (target retirement funds), HSAs (health savings accounts), and RMDs (required minimum distributions)  What investment firm to use and why the one I recommend is so far superior to the competition  Why you should be very cautious when engaging an investment advisor and whether you need to at all  Why and how you can be conned, and how to avoid becoming prey  The truth behind Social Security  A case study on how this all can be implemented in real life  PLEASE NOTE: When you purchase this title, the accompanying reference material will be available in your Library section along with the audio. 

©2016 JL Collins (P)2017 Audible, Inc.

Length: 6 hrs and 38 mins
Available on Audible
Cover art for Everyday Millionaires

Everyday Millionaires

121 ratings

Summary

Everywhere we turn, we hear negative financial news - that the American Dream is dead or that the little man can’t get ahead. Our culture feeds us the lie that it’s impossible to become a millionaire in America today, but it’s time you heard the truth. In his newest book, Everyday Millionaires: How Ordinary People Built Extraordinary Wealth - and How You Can Too, Chris Hogan destroys millionaire myths that are keeping everyday people from achieving financial independence. Chris and the Ramsey research team surveyed over 10,000 US millionaires, discovering how these high-net-worth people reached their financial status. And the formula might surprise you. Millionaire status doesn’t require inheriting a bunch of money or having a high-paying job. No. The path to becoming a millionaire is paved with more-ordinary tools - tools that you either already have or that you can learn. If you thought you could never become a millionaire, think again. Listen and learn from over 10,000 everyday millionaires who have done it and believe it’s possible for you too.

©2019 Ramsey Press (P)2018 Ramsey Press

Narrator: Chris Hogan
Author: Chris Hogan
Length: 6 hrs and 58 mins
Available on Audible
Cover art for How to Day Trade for a Living

How to Day Trade for a Living

117 ratings

Summary

Very few careers can offer you the freedom, flexibility, and income that day trading does. As a day trader, you can live and work anywhere in the world. You can decide when to work and when not to work. You only answer to yourself. That is the life of the successful day trader. Many people aspire to it, but very few succeed.  In the audiobook, I describe the fundamentals of day trading, explain how day trading is different from other styles of trading and investment, and elaborate on important trading strategies that many traders use every day. I've kept the audiobook short so you can actually finish listening to it, and not get bored by the middle.  For beginner traders, this audiobook gives you an understanding of where to start, how to start, what to expect from day trading, and how to develop your strategy. Simply listening to this audiobook, however, will not make you a profitable trader. Profit in trading does not come with listening to an audiobook or two, or browsing online. It comes with practice, the right tools, software, and appropriate ongoing education.  Intermediate traders may benefit from the audiobook's extensive overview of some of the classic strategies that the majority of retail traders regularly use with proven success. If you think you are beyond the stage of a novice trader, then you may want to jump ahead and start listening to Chapter 7 for an overview of the most important day trading strategies:  ABCD Pattern Trading Bull Flag Momentum Trading Top Reversal Trading Bottom Reversal Trading Moving Average Trend Trading VWAP Trading Support and Resistance Trading  For each strategy, I explain:  How to find the Stock in Play for trade What indicators I am using on my charts When I enter the trade When I exit the trade (profit taking) What is my stop loss PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio. 

©2015 AMS Publishing Group (P)2017 AMS Publishing Group

Narrator: Kevin Foley
Author: Andrew Aziz
Length: 6 hrs and 56 mins
Available on Audible
Cover art for The Dhandho Investor

The Dhandho Investor

112 ratings

Summary

A comprehensive value-investing framework for the individual investor. In a straightforward and accessible manner, The Dhandho Investor lays out the powerful framework of value investing. Written with the intelligent individual investor in mind, this comprehensive guide distills the Dhandho capital allocation framework of the business-savvy Patels from India and presents how they can be applied successfully to the stock market. The Dhandho method expands on the groundbreaking principles of value investing expounded by Benjamin Graham, Warren Buffett, and Charlie Munger. Listeners will be introduced to important value investing concepts such as "Heads, I win! Tails, I don't lose that much!", "Few Bets, Big Bets, Infrequent Bets", Abhimanyu's dilemma, and a detailed treatise on using the Kelly Formula to invest in undervalued stocks. Using a light, entertaining style, Pabrai lays out the Dhandho framework in an easy-to-use format. Any investor who adopts the framework is bound to improve on results and soundly beat the markets and most professionals.

©2007 Mohnish Pabrai (P)2019 Gildan Media

Length: 5 hrs and 4 mins
Available on Audible
Cover art for Why the Rich Are Getting Richer

Why the Rich Are Getting Richer

98 ratings

Summary

It’s Robert Kiyosaki’s position that, “It is our educational system that causes the gap between the rich and everyone else.” He laid the foundation for many of his messages in the international bestseller Rich Dad Poor Dad - the #1 Personal Finance book of all time - and in Why the Rich Are Getting Richer, he makes his case.... In this book, the listener will learn why the gap between the rich and everyone else grows wider. In this book, the listener will get an explanation of why savers are losers. In this book, the listener will find out why debt and taxes make the rich richer. In this book, the listener will learn why traditional education actually causes many highly educated people, such as Robert’s poor dad, to live poorly. In this book, the listener will find out why going to school, working hard, saving money, buying a house, getting out of debt, and investing for the long term in the stock market is the worst financial advice for most people. In this book, the listener will learn the answers Robert found on his life-long search, after repeatedly asking the question, “When will we learn about money?” In this book, the listener will find out why real financial education may never be taught in schools. In this book, the listener will find out “What financial education is...really.”

©2017 Robert T. Kiyosaki and Tom Wheelwright, CPA (P)2018 Brilliance Publishing, Inc., all rights reserved.

Available on Audible
Cover art for Smart Money Smart Kids

Smart Money Smart Kids

89 ratings

Summary

Dave Ramsey and Rachel Cruze teach parents how to raise money-smart kids in a debt-filled world. In Smart Money Smart Kids, financial expert and best-selling author Dave Ramsey and his daughter Rachel Cruze equip parents to teach their children how to win with money. Starting with the basics like working, spending, saving, and giving, and moving into more challenging issues like avoiding debt for life, paying cash for college, and battling discontentment, Dave and Rachel present a no-nonsense, common-sense approach for changing your family tree.

©2014 Lampo Licensing, LLC (P)2014 Lampo Licensing, LLC

Length: 7 hrs and 19 mins
Available on Audible
Cover art for Happy Money

Happy Money

87 ratings

Summary

Become Zen with your money and alleviate your anxieties about finances and earning potential. Ken Honda - Japan’s number-one best-selling personal-development guru - will help you heal your relationship with money and discover the lifestyle that will truly make you happy. Ken Honda knows that getting rich quick is no way to achieve happiness. Too often, money is a source of fear, stress, and anger, often breaking apart relationships and even ruining lives. Now, with practical and accessible language, the Zen Millionaire (as he is known in Japan) clearly explains how to achieve a peace of mind when it comes to money and how to decide which path you should take toward happiness.  Learn how to change your relationship with money by treating it as a welcome guest - allowing it to come and go with respect without questioning its motives or resenting its fluctuations. Understand and improve your Money EQ, look behind the myth of scarcity, and embrace the process of giving money along with receiving it.  What Marie Kondo’s The Life Changing Magic of Tidying Up did for your living space, Honda’s Happy Money will do for your feelings about your wallet.

©2019 Ken Honda (P)2019 Simon & Schuster

Author: Ken Honda
Length: 5 hrs and 24 mins
Available on Audible
Cover art for The Science of Getting Rich - Original Edition

The Science of Getting Rich - Original Edition

84 ratings

Summary

The Science of Getting Rich is a classic, written by Wallace D. Wattles, and published in 1910. Wattles died in 1911, shortly after publishing this book. Forgotten for decades, it was recently rediscovered. The timeless principles in this classic will transform your financial future.  A primary principal in The Science of Getting Rich is to always give more in "use value" than you receive in "cash value" for your products or services. As Wattles states in his book, if you practice and apply this science, you will get rich! Brought to you here in its original unabridged format, as written by Wallace in 1910.

Public Domain (P)2018 Dauphin Publications

Length: 2 hrs and 23 mins
Available on Audible
Cover art for Mastering the Market Cycle

Mastering the Market Cycle

83 ratings

Summary

The legendary investor shows how to identify and master the cycles that govern the markets.   We all know markets rise and fall, but when should you pull out, and when should you stay in? The answer is never black or white, but is best reached through a keen understanding of the reasons behind the rhythm of cycles. Confidence about where we are in a cycle comes when you learn the patterns of ups and downs that influence not just economics, markets and companies, but also human psychology and the investing behaviors that result.   If you study past cycles, understand their origins and remain alert for the next one, you will become keenly attuned to the investment environment as it changes. You’ll be aware and prepared while others get blindsided by unexpected events or fall victim to emotions like fear and greed.   By following Marks’s insights - drawn in part from his iconic memos over the years to Oaktree’s clients - you can master these recurring patterns to have the opportunity to improve your results.   Cover design by Mark R. Robinson. PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio. 

©2018 Howard Marks (P)2018 Audible, Inc.

Narrator:
Author: Howard Marks
Length: 9 hrs and 39 mins
Available on Audible
Cover art for The Illusion of Money

The Illusion of Money

80 ratings

Summary

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 listeners 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 Cease)

©2019 Kyle Cease (P)2019 Audible, Inc.

Author: Kyle Cease
Length: 4 hrs and 35 mins
Available on Audible
Cover art for The Art of Investing: Lessons from History's Greatest Traders

The Art of Investing: Lessons from History's Greatest Traders

75 ratings

Summary

Great investors like Warren Buffett and Ray Dalio will tell you they're no geniuses; they're simply observant, open-minded, and industrious. Using these key traits, the world's most outstanding traders have employed a remarkable mix of strategies to build huge fortunes. Their careers are a how-to manual for anyone who wants to succeed at investing, no matter what the size of their stake. The lives of rich and famous investors are gripping tales of opportunities seized and squandered; of billions won and lost, and won again. And these life stories are also an eye-opening education in the workings of financial markets. The Art of Investing: Lessons from History's Greatest Traders profiles over 30 men and women at the pinnacle of the investing field, including Warren Buffett, Ray Dalio, John Bogle, Peter Lynch, George Soros, T. Rowe Price, Jr., Linda Bradford Raschke, David Dreman, Michael Burry, and others involved in such ventures as value stocks, growth stocks, mutual funds, index funds, hedge funds, commodity futures, private equity, sovereign wealth, distressed assets, and more. Each lecture covers one of these approaches, together with traders who have made it pay handsomely - along with insights on how they did it. An award-winning teacher and the portfolio manager for a $2.5-billion investment firm, Professor John Longo of Rutgers Business School tells these intriguing life stories with an insider's grasp of the financial details. Included in these 24 half-hour lectures are tips on the most common mistakes made by investors, scores of pithy sayings that synthesize the hard-won wisdom of veteran traders, and, in the final lecture, an investment checklist that lets you narrow down your own best approach to building personal wealth. PLEASE NOTE: When you purchase this title, the accompanying reference material will be available in your Library section along with the audio.

©2016 The Great Courses (P)2016 The Teaching Company, LLC

Available on Audible
Cover art for A Random Walk Down Wall Street

A Random Walk Down Wall Street

74 ratings

Summary

In a time of market volatility and economic uncertainty, when high-frequency traders and hedge fund managers seem to tower over the average investor, Burton G. Malkiel's classic and gimmick-free investment guide is now more necessary than ever. Rather than tricks, what you'll find here is a time-tested and thoroughly research-based strategy for your portfolio. Whether you're considering your first 401(k) contribution or contemplating retirement, this fully updated edition of A Random Walk Down Wall Street should be the first book on your wish list. In A Random Walk Down Wall Street, you'll learn the basic terminology of "The Street" and how to navigate it with the help of a user-friendly, long-range investment strategy that really works. Drawing on his own varied experience as an economist, financial adviser, and successful investor, Malkiel shows why, despite recent advice to the contrary from so-called experts in the wake of the financial crisis, an individual who buys over time and holds a low-cost, internationally diversified index of securities is still likely to exceed the performance of portfolios carefully picked by professionals using sophisticated analytical techniques. In this new edition, Malkiel has provided valuable new material throughout the book on exchange-traded funds and investment opportunities in emerging markets, and in a brand-new, timely chapter, Malkiel authoritatively assesses the pitfalls and prospects of the latest investing trend, "smart beta". On top of all this, the book's classic life-cycle guide to investing, which tailors strategies to investors of any age, will help you plan confidently for the future. You'll learn how to analyze the potential returns not only for basic stocks and bonds but for the full range of investment opportunities - from money-market accounts and real estate investment trusts to insurance, home ownership, and tangible assets like gold and collectibles.

©2015 W.W. Norton & Company Inc. (P)2015 Recorded Books

Narrator: George Guidall
Length: 12 hrs and 13 mins
Available on Audible
Cover art for A Random Walk Down Wall Street, 12th Edition

A Random Walk Down Wall Street, 12th Edition

72 ratings

Summary

The best investment guide money can buy, with more than 1.5 million copies sold, now fully revised and updated. Today's stock market is not for the faint of heart. At a time of frightening volatility, what is the average investor to do? The answer: Turn to Burton G. Malkiel's advice in his reassuring, authoritative, gimmick-free, and perennially best-selling guide to investing. Long established as the first book to purchase before starting a portfolio or 401(k), A Random Walk Down Wall Street now features new material on "tax-loss harvesting", the crown jewel of tax management; the current bitcoin bubble; and automated investment advisers; as well as a brand-new chapter on factor investing and risk parity.  And as always, Malkiel's core insights - on stocks and bonds, as well as real estate investment trusts, home ownership, and tangible assets like gold and collectibles - along with the book's classic life-cycle guide to investing, will help restore confidence and composure to anyone seeking a calm route through today's financial markets.

©2019 W.W. Norton & Company Inc. (P)2019 Recorded Books

Narrator: George Guidall
Length: 11 hrs and 42 mins
Available on Audible
Cover art for Why Gold? Why Now?: The War Against Your Wealth and How to Win It

Why Gold? Why Now?: The War Against Your Wealth and How to Win It

68 ratings

Summary

Investment industry veteran E.B. Tucker shows listeners the gold market from the inside. This three-part book breaks gold down into must know sections: Why Gold?: History reveals an ugly pattern of governments spending tomorrow’s hard-earned savings today leaving unknowing savers holding the bag. Why Now?: Recent events foretell a dangerous future for money today. A Gold Market “How To” Manual: From bars to coins and everything in between Tucker walks listeners through the gold market in simple terms. There’s a reason why the world’s elite count gold as a core asset. During periods of financial turmoil, it’s invaluable. Gold is the only asset that's not someone else's liability. Apartments rely on paying tenants, stocks rely on company profits, bonds rely on stable interest payments. Gold doesn't rely on anyone or anything for its value. Tucker guides investors in simple terms through the ways to own gold, from physical bars, to coins, and even mining stocks. He reveals his favorite method, gold royalty companies. From a financial novice to an investment professional looking to get up to speed on the gold market, Why Gold? Why Now? is the essential guide to the world of gold.

©2020 Midas Capital Partner (P)2020 Midas Capital Partners

Narrator: E.B. Tucker
Author: E.B. Tucker
Length: 4 hrs and 57 mins
Available on Audible
Cover art for Crushing It in Apartments and Commercial Real Estate

Crushing It in Apartments and Commercial Real Estate

67 ratings

Summary

Gold Award winner, 2018 Robert Bruss Real Estate Book Awards; Gold Award winner, Nonfiction Book Awards, Nonfiction Authors Association; Finalist, 2017 Best Book Awards in Business: Personal Finance/Investing; Finalist, 2018 Next Generation Indie Book Awards: Finance/Investment. Think apartments and commercial real estate are just for the big boys? Think again. Brian Murray was not an investment pro when he bought his first commercial property. He was a teacher looking to build some side income. Armed with his passion for business and a lot of common sense, he developed a simple yet highly effective approach to investing that he still uses today at his multimillion-dollar real estate company.  Crushing It in Apartments and Commercial Real Estate is a beginner's guide to investing based on Murray's experience bootstrapping his way from newbie investor to award-winning CEO of Washington Street Properties. Murray shares the secrets to his success through straightforward, actionable advice that will help you get started no matter what your experience level, or how much cash you have on hand. You'll learn how to:  Find and creatively finance commercial property  Grow a portfolio without any help from outside investors and without taking on excessive debt  Use your small-investor status as a competitive advantage over corporate investors  Identify simple, practical ways to increase profits while keeping costs low  Murray also shares real-life stories that reveal exactly how he grew his business, and the hard lessons he learned along the way (so you don't have to). Whether you already invest in real estate and want to go bigger, or you've never owned a property, this book gives you the tools and wisdom you need to crush it in apartments and commercial real estate. 

©2017 Brian H Murray (P)2017 Brian H Murray

Narrator: Chris Abell
Length: 7 hrs and 27 mins
Available on Audible
Cover art for The New Market Wizards

The New Market Wizards

65 ratings

Summary

In The New Market Wizards, successful traders relate the financial strategies that have rocketed them to success. Asking questions that listeners with an interest or involvement in the financial markets would love to pose to the financial superstars, Jack D. Schwager encourages these financial wizards to share their insights. Entertaining, informative, and invaluable, The New Market Wizards is destined to become another Schwager classic.                              

©1992 Harper (P)2016 Jack Schwager

Narrator: DJ Holte
Length: 16 hrs and 1 min
Available on Audible
Cover art for You Need a Budget

You Need a Budget

61 ratings

Summary

For most people, budgeting conjures up the same feelings as, say, prison and dieting. But your initial instinct couldn't be further from the truth. You just haven't budgeted the right way. You Need a Budget will teach you four simple rules to completely revolutionize the way you think about managing your money. With a budget, you'll break the paycheck-to-paycheck cycle, get out of debt, and save more money. A liberating, enabling, empowering budget will actually make you feel more free, not more restricted. The YNAB philosophy is centered around these four rules: Give every dollar a job. Take your cash, checking, and saving accounts and assign jobs to that money. Begin now with what you have on hand. Then follow your plan. Pick your priorities, and make sure your dollars are helping you move closer to the things you care about most. Embrace your true expenses. Look ahead and identify the larger, less frequent expenses that tend to sneak up on you. Break those expenses into manageable monthly amounts. Consider insurance premiums, birthdays, holidays, charitable giving, car repairs, etc. This practice evens out your cash outflows, decreases your stress, and helps you make better decisions. Roll with the punches. Accept the fact that life always changes and you'll likely always go over budget somewhere. If an unexpected expense comes up and you need to change your budget, just change it. The YNAB philosophy not only tolerates changing your budget but encourages it. Age your money. The goal of this rule is to increase the time between the moment you earn money and the moment you spend that money. In other words, if you're going to break the paycheck-to-paycheck cycle, you need to learn to live on money you earned a month or two months or even three months ago. YNAB's four rules are the pillars of a tried-and-true system that gets you to engage with your money every day. It helps you change your behavior so that you're proactive and in control of your finances. It's not about stressing over last month's statement; instead, you're looking ahead and actively deciding how you want and need to build a life of meaning, not stress. PLEASE NOTE: When you purchase this title, the accompanying reference material will be available in your Library section along with the audio.

©2017 YNAB Licensing LLC (P)2017 HarperCollins Publishers

Narrator: Jesse Mecham
Author: Jesse Mecham
Length: 4 hrs and 54 mins
Available on Audible