Book Description

The incredible national bestseller that is changing people's lives -- and increasing their net worth!

CAN YOU SPOT THE MILLIONAIRE NEXT DOOR?

Who are the rich in this country?
What do they do?
Where do they shop?
What do they drive?
How do they invest?
Where did their ancestors come from?
How did they get rich?
Can I ever become one of them?

Get the answers in The Millionaire Next Door, the never-before-told story about wealth in America. You'll be surprised at what you find out....

Reviews (560)

Nice work, but let's hear more...
I firmly believe in the principles, having seen it work for several people including my Dad. I live in an area that is like a case study for the book.

However, like other reviewers, I feel it would have been nice for the authors to tell us how these folks balance their lives. Although the (car) price per pound thing is factual, I doubt any of the millionaires ever thought or care about this piece of trivia.

I understand not overspending on a car, suit, watch, etc. But what is the best vacation they ever took? Not spent the most - but the best. What is the most expensive gift they bought their wife on an anniversary? What kind of mutual funds did they pick?

They spend several hours each month addressing their finances. What are they doing? Do they regularly assess the performance of their stocks, or ???

Did any of them not figure out the MND formula until their late 30's, or do you have to be like this from birth in order to make it into the club? In other words, what makes them tick, not just the statistics

A Change of Perception
This book is from research done in the 90s concerning millionaires in the United States. Using surveys, interviews, and tax information, this book draws a picture of the millionaire. The picture will likely not match your idea.

Does having the statistical picture of a millionaire help? After reading this book, I am inclined to say "yes." Seeing fancy clothes, expansive homes, and expensive cars reminded me of wealth. As pointed out, the average millionaire is not concerned with the appearance of wealth. For some reason, knowing that I don't have to look wealthy calms me and encourages me.

One concept that will stay with me is the necessity of offense and defense to attain wealth. The authors point out that merely earning lots of money (offense) will not always help. Just as in sports, you need to play good defense to win. Here, the author's point out that you need to control your spending and debt if you want to reach wealth.

This book was recommended in "The Cashflow Quadrant" book (of the Rich Dad, Poor Dad series). I would also recommend this. Although the tables will sometimes be distracting, there is some good information here.

Very good book--A classic that still rocks!
With great authors like Dave Bach who has written an excellent book "The Automatic Millionaire", sometimes classics like The Millionaire Next Door get shoved aside and forgotten. The Millionaire Next Door should be read in addition to The Automatic Millionaire. I also recommend More Wealth Without Risk by the late, great Charles Givens.

The Millionaire Next Door shows how the wealthy became wealthy. It wasn't due to luck, politics, inheriting a fortune or help from the government. It was by developing and applying a few simple disciplines. This book will show you how too.

Frugality, Frugality, Frugality, Frugality
I am continually amazed when people think that all of their money problems will be solved with more money. But when they get that "more money" what do they do with it? They spend it! Or as they say; "I spend my money on my lifestyle!" And these are the people who are behind on their car note, still paying rent and have credit card debt up the cazoo. And they are probably the same people giving this great book 1 stars.

Get a clue! If you keep spending all of your money on your lifestyle, guess what? You'll always have to. And you'll always be broke as well.

Surprise, surprise...
Many years ago I talked to some friends about how it would be sort of cool to be really rich, and then not to show it. To live a life just like normal people with normal homes and cars.

Little did I know that this is not the exception, but the rule! This is how millionaires become millionaires! The ones we *think* are rich, the "rich and beautiful" with flashy life styles mostly have big financial trouble, because they live above their means...

Learn how anybody can become rich. It is not easy, because it takes one hard thing: patience. But that is all. ... Read more

Book Description

Strategies that are effective and legal for putting one’s assets safely out of reach

In today’s increasingly litigious world, the shielding of assets has become a prominent issue for financial planners, business owners, and high-net-worth individuals. Asset Protection details methods that are both legally and morally legitimate for protecting one’s assets from creditors, lawsuits, and scams.

Bringing economic common sense and legitimacy to an area that is drowning in gimmickry, two of today’s top lawyers examine the fundamental issues in this growing area, avoiding dense legalese to make the book accessible to anyone. Asset Protection covers everything readers want to know about:

• Establishing an effective asset protection program
• Today’s most popular, established strategies
• Newer strategies that are still being resolved by the courts

Reviews (5)

Like a good bottle of wine
Reading this book is like finally getting a good bottle of aged wine after drinking years of fruit punch. From the descriptions of the seedy offshore planners who sell Cook Islands trusts to people whether they need it or not, to the domestic seminar promoters who line up shills to encourage attendees to buy cheapie family limited partnership kits, this book gives a candid look into how asset protection is sometimes shamelessly promoted. Having revealed the dirt under the rug, the book then goes on to address asset protection as a field of risk management and gives the best treatment of fraudulent transfer and bankruptcy preference rules that I have ever read. Just about all the popular asset protection strategies are reviewed, from Nevada bearer share entities to complex litigation expense policies, with the major strengths and weaknesses of each pointed out. The book spends quite a bit of time discussing both foreign and domestic asset protection trusts and their potential flaws (if I were a creditor attempting to penetrate such a structure, this would be the first resource that I would turn to), such that it is a wonderment that those structures are even used at all. Overall, the writing style is good, with just enough technical background on key points to let serious researchers know where to start, without it being overwhelming for the average business reader. Kudos to Jay and Chris. This book is well-researched and provides a level of thoughtfulness and depth of content that has been sadly absent from all the other books considering the topic of asset protection. Big thumbs up!

Layperson Perspective
Pretty good book. The book counters a lot of hype by promoters of "bulletproof" asset protection plans, which do not exist apparently. All plans can fail no matter how elegant.
Moderately complex for a layman to read. Some material over the head of most laypersons. Most material practical. Some abstract theory of not much interest to clients.

The only asset protection book you need
I am an attorney and real estate investor and am concerned about asset protection issues. This is the only book I've read that discusses both the plusses and minuses of various known techniques and also gives excellent big picture advice. Every other book has advocated specific cookie cutter techniques and left me wondering "would this really work if...?" This book tells you why those techniques do not work. Forget about that trust in the Cook Islands, by the way, unless you are willing to flee the country.

Refreshing and funny in places
Just finished it. This was a very well-written book, although it is hard to figure out who the intended audience is. It doesn't seem like they are writing to potential clients, since much of the subject matter is complex, but it is written somewhat like a novel, with occasional anecdotes, so more than just other planners would get something meaningful out of it. The writing style reminds me a lot of the Burton Malkiel classic "A Random Walk Down Wall Street" where there is a mixture of technical theory heavily laced with enlightening storytelling. It definitely has the flavor of professional editing by McGraw-Hill's staff and is obviously not a self-published work. Anyhow, whether you are looking for asset protection solutions or not, the book is quite entertaining and gives an often unflattering view of how asset protection is marketed, such as seminar promoters hiring shills to sit in the audience and act like they are participants to encourage others in the audience to buy kits. A good fifth of the book seems to be an expose of offshore trusts - you certainly won't read this book and rush out to start your own offshore trust after reading about how some people who set them up have gone to jail. The section on equity stripping is very good, as is the section on offshore limited liability companies. This book has ample diagrams to help explain complicated strategies, but the part on advanced methodologies whetted my appetite to learn more and I wish that several additional chapters had been devoted to these topics. It is refreshing to finally see a book whose treatment of asset protection goes beyond "just hire me to hide your money overseas" as so many of the books heretofore have done.

Very solid
This is a very different book about asset protection. It is factual and technical and seems to be written more as a guide to professionals to implement asset protection plans than to the general public, making it the first of its kind. This book does not talk about litigation crises or how the average American is likely to be sued. It does not dwell on the offshore islands where people hide money, and it does not give hints about hiding money or tax evasion. What it does do is give a very good overview of assets protection as it relates to complex legal planning. It talks in great detail about the fraudulent transfer laws and the bankruptcy laws. It talks about how to maximize the benefits of mostly domestic structures, strengthened only as necessary by offshore planning. There is a discussion of captive insurance companies and offshore life insurance, but it is toward the end and does not dominate the book. I think that the best parts of the book were giving an inside glimpse into the asset protection planning world, and showing how the mostly highly marketed structures suffer from serious defects. This is definitely a wake-up call for those who are serious about asset protection, and do not want to fall under the spell of some marketer who sounds good but doesn't really know what they are talking about. We could certainly use a few more books about asset protection like this one, and less of the self-promotional offshore type. ... Read more

Book Description

Understanding Health Insurance: A Guide to Professional Billing, 7th edition, is a comprehensive guide for those learning about health insurance claims processing and reimbursement issues. The text utilizes a step-by-step approach to successful completion of health insurance claims. The objectives of this edition are to 1) introduce information about major third party payers, 2) provide up-to-date information about federal health care regulations, 3) clarify coding guidelines and provide application exercises for each coding system, 4) introduce reimbursement issues, 5) emphasize the importance of coding for medical necessity, and 6) help users develop the skill to complete claims accurately. Numerous examples help clarify key concepts. Case studies and review exercises provide users with numerous opportunities to apply knowledge and develop skills in completing CMS-1500 claims accurately. The textbook CD-ROM and accompanying workbook provide additional exercises and practice in completing CMS-1500 claims electronically. Current information is provided on CPT-5 and ICD-10-CM coding systems. The appendices include information about processing UB-92 (CMS-1450) claims and dental claims. ... Read more

Reviews (9)

Very misleading
I purchased this book with the accompanying workbook. Although it may contain good information, the answers are not provided to the exercises--in either the book or workbook. Apparently, a separate instructor's manual needs to be purchased. When spending [the money] for both books, I didn't even think that answers would not be provided, much less that I'd have to spend [more money] to get them. I'd recommend the book, workbook, and instructor's manual, unless you're taking a class that allows you to check to make sure you understand the concepts.

I'm not sure why I don't have voting buttons--I read every review here before I submitted mine.

Good book
If your going to Fairleigh Dickinson University and your taking up Medical Administration you will need this book

A must have for understanding billing
extensive illustrations and diagrams. the book explains exactly what is needed to understand the billing procedure.

It's Great!
This book explains a great deal about medical billing. It is written in an easy-to-read style, and organizes the information in logical steps.

LEARN HEALTH PROVIDER CODING
This text, workbook, and instructor's manual - which has the answers :-) - are very well put together, easy to follow and thoroughly cover the usual procedures of coding and touch on many hard-to-code ones. I found the history section informative and much as I wanted to get to the coding work,very thorough and very interesting. There are many questions throughout the lessons that very are well thought out and follow the text extremely well and reinforce what you have just read. This set of instructional manuals will really help you learn this subject. ... Read more

Book Description

From first-time newlyweds to people on their second or third marriage, couples face an overwhelming task when it comes to money management.Nationally renowned financial advisor and bestselling author David Bach knows that it doesn’t have to be this way.In Smart Couples Finish Rich, he provides couples with easy-to-use tools that cover everything from credit card management, to investment advice, to long-term care.You and your partner will learn how to work together as a team to identify your core values and dreams, creating a financial plan that will allow you to achieve security, provide for your family’s future financial needs, and increase your income.Together, you’ll learn why couples that plan their finances together, stay together!
... Read more

Reviews (35)

STRONG, SOUND ADVICE!
Investing for your future is sound, strong advice at any age. As a teacher of business management and having counselled an overwhelming number of people in the area of finance, I believe investing is particularly critical for young people today. I am so happy to read that previous reviewers, in their twenties, have learned from this book and are planning for their future. If you are starting your career and in your twenties, now is the time for financial planning, even though you might not be able to put a lot of money aside, "every penny saved, is a penny earned."

There are many books on the market today on investing and financial planning. Some I would highly recommend, others are not worth the time it takes to read the book - save the money you would spend on those "guaranteed get rich quick books" and invest the money where it will guarantee a return. "Smart Couples Finish Rich" is filled with a wealth of information on money management, retirement accounts, living trusts, types of insurance and investing in general. After reading it, you will be better equiped to manage your money and save for the future. That not only makes "smart cents," it makes smart sense. Hopefully, with some financial peace of mind and stability, couples will not only finish rich, they will finish rich... together!

Great advice, very helpful.
There's a lot of financial advice books on the market, but I really think this one is the best. The best for couples anyway.

One of the key concepts of the book is for both you & your spouse to read the book, get you to start discussing your values, finances, and future, as a couple so you're on the same page. Not being on the same page as a couple is probably one of the biggest reason for couples splitting up. My husband is not into self-help books, but this was one book that he did read. It has many helpful exercises, as a couple, to get you to realize some of the why's of your finances & to get you to plan better for your future. For example, it makes you start planning goals. Funny, many businesses have goals, but how many couples have established goals for their futures? And I'm sure most people would agree that their relationship with their spouse is more important than their work.

Before I read this, I read Suze Orman's Financial Guidebook, which was also a great book. But I feel I got greater value out of Smart Couples Finish Rich.

After reading this, I've actually started tracking all of my finances & have a much better understanding of how I'm doing financially & what I need to do to meet my newly established goals.

This book is a must for any couple to help plan for their futures.

excellent resource
_____This book is great to have if you are a novice to the world of personal finance. The text is geared toward married couples, but that doesn't mean a single person cannot read it and learn a lot from it (i.e. the advice generally applies to either singles or couples, with some extra information for couples).

_____The information contained is truly minimal when you compare it to many other books on the shelves. But for a novice I think that is good - Bach himself stresses that the information is meant to present to the reader the aspects of personal finance, while providing links to sources for more detailed information.

_____While I agree that pretty much all of the information contained can be found for free on the internet, the value of this book is in the fact that it contains brief synopses of that information, all gathered into one place, with the added bonus of providing a purpose for all the different aspects of personal finance. Not just "what" and "where," but also "how" and "why."

good, but conservative, advice
This is an excellent book to use when planning your family's finances. Obviously, given the power of compounding, to which the author repeatedly refers, the earlier in your life you start planning for your financial future, the better off you will be. I recommend the book to anyone with the understanding that it follows a conservative, fairly conventional path toward financial security.

If you are a finance whiz, you will find parts of the book too conservative and too plain. If you try to magnify your investment returns by trading options, for example, or you invest in real estate, or any other kind of investment other than 'plain vanilla stocks and bonds' you will find the book limiting.

That said, the book provides an excellent organizational structure for any one trying to get a hold on his financial picture.

Good advice, especially for young couples.
This is one of the only financial planning books I've ever purchased and actually read. It was an easy read, and I would say that Bach's plan is easy to follow. It's nothing incredibly unique, but it's a good message to youger people like me (I'm 30) who seem to these days not have good financial basics or the ability to save. I am somewhat in this category and have plenty of friends who are as well.

The lessons are simple. Find where to save, save a little each month, invest it wisely (preferably in your companies 401K or a mutual fund), and pay down your debt before racking up more. However, Bach seems to put it in a manner where he does show how this can pay off, and even gets you half-way motivated to do it yourself. Ultimately though, it will be up to the reader to buckle down and prepare for their financial future.

I have recommended this book to my friends. I also hear that Bach is working on a 'Get Rich for Older Couples' type book and I will probably get that for my parents. ... Read more

Amazon.com

What do you do after you've written the No. 1 bestseller The Millionaire Next Door? Survey 1,371 more millionaires and write The Millionaire Mind. Dr. Stanley's extremely timely tome is a mixture of entertaining elements. It resembles Regis Philbin's hit show (and CD-ROM game) Who Wants to Be a Millionaire, only you have to pose real-life questions, instead of quizzing about trivia. Are you a gambling, divorce-prone, conspicuously consuming "Income-Statement Affluent" Jacuzzi fool soon to be parted from his or her money, or a frugal, loyal, resole your shoes and buy your own groceries type like one of Stanley's "Balance-Sheet Affluent" millionaires? "Cheap dates," millionaires are 4.9 times likelier to play with their grandkids than shop at Brooks Brothers. "If you asked the average American what it takes to be a millionaire," he writes, "they'd probably cite a number of predictable factors: inheritance, luck, stock market investments.... Topping his list would be a high IQ, high SAT scores and gradepoint average, along with attendance at a top college." No way, says Stanley, backing it up with data he compiled with help from the University of Georgia and Harvard geodemographer Jon Robbin. Robbin may wish he'd majored in socializing at L.S.U., instead, because the numbers show the average millionaire had a lowly 2.92 GPA, SAT scores between 1100 and 1190, and teachers who told them they were mediocre students but personable people. "Discipline 101 and Tenacity 102" made them rich. Stanley got straight C's in English and writing, but he had money-minded drive. He urges you to pattern your life according to Yale professor Robert Sternberg's Successful Intelligence, because Stanley's statistics bear out Sternberg's theories on what makes minds succeed--and it ain't IQ.

Besides offering insights into millionaires' pinchpenny ways, pleasing quips ("big brain, no bucks"), and 46 statistical charts with catchy titles, Stanley's book booms with human-potential pep talk and bristles with anecdotes--for example, about a bus driver who made $3 million, a doctor (reporting that his training gave him zero people skills) who lost $1.5 million, and a loser scholar in the bottom 10 percent on six GRE tests who grew up to be Martin Luther King Jr. Read it and you'll feel like a million bucks. --Tim Appelo ... Read more

Reviews (148)

The Millionaire Mind - Must Read for College Students
Thomas J. Stanley's The Millionaire Mind (Andrews McMeel Publishing) is a must read for anyone interested in achieving financial independence and/or who is fascinated with how the wealthy achieve success. This book should be required reading for college students. It is filled with practical advice not just about how to protect one's future financially but also about setting priorities, and I don't mean just getting rich. The Millionaire Mind covers everything from choosing spouses to raising children to buying homes. It is loaded with common sense and practical advice.

Achieving great wealth was never my highest priority in life, but I am convinced that if I had read The Millionaire Mind when I was younger, I could have joined the millionaire club. More importantly, like most of the millionaires Stanley surveyed, I could have done so without sacrificing any values, principles, my character, or time with my family. The Millionaire Mind is as much a statement of a philosophy of life as it is a guide to great wealth. Its tone is very positive and reinforcing.

The Millionaire Mind dispels several popular myths about wealthy people--that they made their money the old fashioned way by inheriting a bundle, that they graduated from the finest colleges and universities, and that they blew the lid off of SATs and grade point averages. Most of the 733 millionaires Dr. Stanley studied did not fit any of these characteristics. When asked what factors were most important to their success, the top five rated items (out of 30) were #1 being honest with all people, #1(tie) being well disciplined, #3 getting along with people, #4 having a supportive spouse, and #5 working harder than most people. "Graduating near/at the top of my class" was ranked 30th. This list, better than anything else in the book, is a confirmation that character and commitment count and that measures of achievement need to be broadened.

How encouraging it is to read a book that says that the American dream still exists, that individuals can overcome inadequacies, disappointments, failures, and seemingly insurmountable odds to achieve success and happiness in life. And it can be done ethically, legally, and in one generation, during one's lifetime, as many of Stanley's millionaires have proven. Stanley and his millionaires are telling us to count our blessings, play to our strengths, believe in ourselves, not let our critics get us down, and take personal responsibility for our lives. His millionaires have been married to the same spouse for an average of 28 years. The majority live modestly for their means, spend considerable time their families, and don't flaunt their wealth. What a potent message this book delivers.

I will make sure each of my children gets a copy of The Millionaire Mind and recommend it highly to my classes at The University of Georgia.

Dr. Fred Stephenson Associate Professor of Distribution Terry College of Business The University of Georgia March 12, 2000

Finally, a Tribute to the "Leisure Class"
Ever since Thorstein Veblen wrote "The Theory of the Leisure Class," the critics of capitalism (including politicians and Hollywood producers)have delighted in bashing the rich for their "conspicuous consumption," prospensity to divorce and find trophy wives, engage in white-collar crime, and avoid paying their "fair share" in taxes.

Now along comes the exhaustive work of Professor Tom Stanley, concluding that the millionaire wealthy class is in reality the model citizen! 92% are married and have been with their first wife for an average 28 years; they live well below their means; 40% have paid off their mortgage; few inherited wealth; over 90% are college graduates; most are not in the top of their class, but average "B" or "C" students; they avoid the lottery and gambling, and enjoy spending most of their time with their family or playing a game of golf with friends; 37% are deeply religious people who attend church regularly; integrity in business is their # priority, and they pay most of the income taxes in this country!

It's great to finally read a book defending the wealthy and the truly successful in this country.

My only gripe: The book has no index!

A look into the millionaire mind
Who wants to b ecome a millionaire? No, this is not a plug to watch reruns of Regis Philipins tv show or a get rich scheme or a suggestion to buy a lottery ticket. Rather, it is an opportunity to look inside the minds of America's wealthy--real true blood millionaires.

You will find some things that you don't want to hear like the richest of the group are no physicians, lawyers or executives but business owners. You will also be surprised to find that the wealthiest of the group do not own new home The majority own homes that are over 10 years old.

This book may not tell you what you want to hear, but it will tell you what you need to hear, if you want to seriously become a millionaire and if you want to know how the millionaires became millionaires.

Great book. Even better than The Millionaire Next Door in my opinion.

Are you allowed to do this?
Hmm....I guess you can technically take the same material, rearrange it and then publish it with another title if you really want to but I kind of thought that was looked down upon in the literary world! This is a 10 star book only they wrote it already and it was titled The Millionaire Next Door. This is literally and I mean LITERALLY the same exact book only rewritten, rearranged, retitled and republished. It really doesn't matter which of the books you read. Either will do. Both are 10 stars on their own but I gave it 3 because all in all I thought it was rather rude to scam people out of their money by selling the same exact book under a different title all in the name of some dough! But then again maybe they were millionaire minded, saw an easy way to make some more bucks and went for it!

Business owners top the list. Surprised?
It came as no surprise to me that business owners came out on top of the list in this book profiling the millionaire mind. I have always contended that the only way to become a success is to be in business for yourself. Employees always end up short.

Some of the top qualities were hard work, discipline, social skills, integrity and discipline.

Millionaire Mind is an excellent book to be read along with The Millionaire Next Door. ... Read more

Book Description

Develop an insider's knowledge of real estate financing (traditional and creative) while remaining legal and ethical.

A brief but thorough overview of the mortgage loan market, from the concept of inflation to the different categories of lenders and loans.This book builds a solid framework for understanding how to make money in real estate by choosing the right financing.

Knowing the workings of the mortgage loan market as well as all the options available for financing are the keys to success for real estate investors and homebuyers.Financing Secrets of a Millionaire Real Estate Investor offers a comprehensive overview of the basics, followed by clear, concise explanations of the many financing options investors should consider when looking to maximize profits.Demystifying such intriguing concepts as lease/options, sale/leasebacks, double closings, and more, this practical guide gives buyers the knowledge they need to make the best possible purchasing decisions. ... Read more

Reviews (4)

There are so many ways to make money in real estate!
There are so many ways to make money in real estate! Since my first flipper property, which I made $8000.00 after reading "Flipping Properties" I have pocketed 7 figures and acquired 7 units - with no prior real estate experience! Bill Bronchick illustrates and delivers, step-by-step techniques, in an user friendly manner! "Financing Secrets" will forever change the way you buy and sell real estate.

Bronchick makes a complex subject easy to understand
Well, Bill Bronchick has done it again. Following his excellent resource Flipping Properties, he's taken the complex subject of creative real estate financing and broken it down into it's component parts and explained each one clearly and concisely in simple language anyone can understand. In the section What to Expect from this Book he says, "This book will show you how to finance properties with as little cash as possible, while maintaining minimum risk and maximum profit." And he does.

Covering such subjects as loans, mortgages, foreclosure, and working with lenders, he gives you the background you need for the later subjects of creative financing, hard and private money, getting involved in partnerships and equity sharing and the more creative subjects of lease options and owner financing.

While the book is geared primarily toward real estate investors, it is an excellent guide for any person considering buying a new home or considering doing some kind of creative financing with an investor or other buyer on a house they already own.
After reading it cover to cover (an easy task) every real estate investor should then add it to their library as a useful reference for many financing situations that may come up in this business.

Great stuff
I recommend this book. If you are just getting started or have a lot of experience... this book will help you. Full of great ideas and solid information to help the creative real estate investor.

Byron Walker
Full Time Investor

Two thumbs way up!
This book had so many good finaning ideas, I read it three times! Whether you are buying as an investor or a homeowner, this book will show you real-life formulas for buying with little or no money. This is the first book that explains real estate financing in a way for the lay person to understand. The author, an attorney, has a real knack for making "legal jargon" understandable.

I would recommend this book to ANYONE who is either buying a home or investment property. ... Read more

Book Description

Trading Day by Day is overflowing with the fundamental truths and reliable trading rules every trader needs to be competitive in any market, at any time. The three natural laws of trading, an intelligent approach and method, a sound mathematical system, the spike rule, the mistake rule, divergences, relative strength, the truth about options, businesslike money management, over a hundred "real time," day-by-day chart examples, and much more.

While specifically about futures trading, its approach and method are equally applicable to forex, stocks and any other market. ... Read more

Book Description

Respected financial expert Dave Ramsey offers a comprehensive plan for getting out of debt and achieving financial health. Against a playful backdrop of fitness terminology, Dave gives solid, hard-hitting advice needed to make your goals a reality. Filled with both the “hope” and the “how-to,” The Total Money Makeover includes:

• Useful worksheets and forms
• Readable and informative charts and graphs
• The four factors that keep people from getting in shape financially
• Photos and amazing stories from people who have succeeded following The Total Money Makeover plan

The Total Money Makeover is a necessity for everyone in need of a financial makeover. Readers will learn to live by the The Total Money Makeover motto: “If you will live like no one else, later you can live like no one else.”

Reviews (39)

The Total Money Makeover
How many books can "Truly" say they have changed someone's life? This book should be a must read for every high school senior to get them on the right financial path. Dave has a very simple step-by-step plan to financial freedom, no matter how much you earn or how old you are.

To supplement this book, listen to his great radio show. It again, has caller after caller you can learn from to help you and your family with your financial future. It has helped my wife, daughter and myself to be able to say, in 5 months, will be debt free, besides our house, following Dave's plan, thanks Dave!

I read a lot of book and can honestly say this book is one I will pass on to someone I truly care about. This book is a must read.

Common Sense for your Dollars and Cents
Dave has done it again. In his new book The Total Money Make Over Dave Ramsey explains and expands on the financial wisdom of "Baby Steps", get out of debt, live on less than you make, save money, and retire with dignity. If you liked Daves' first book Financial Peace (now revisited), you will love the Total Money Make Over. He gives tons of real life examples of how real people got out of debt and changed their lives.

My favorite saying "If you live like no one else, later you can live like no one else."

This is not a "high-brow", sophisticated, plan for how to invest $1 and make a million. This book is full of common sense ideas to save money, get out of debt, and win with money.

I encourage anyone to buy the book. If you want to learn more before you buy tune into Daves radio show, or listen to the archives at www.daveramsey.com

Thank you for your ministry Dave

Great read! Awesome book!
I'd never heard of Dave Ramsey until about 6 months ago when my mentor suggested I read his book. I found out later that he also had a radio show. I know, I know...I live under a rock. :) (We don't have a local affiliate where I live that carries his show.)

Anyway, this book gets you to think, which is the most important thing that it does. Does it give all of the most intricate details? Not always, but it doesn't need to. If you can't make your mortgage payment this month and don't have food on the table, do you really care about the intricacies of the ROI of a particular mutual fund? Hell, no!

The most important thing this book does is give you belief. He MAKES the reader analyze their situation and does a darn good job of it. The stories of success written by Dave's faithful listeners are what solidifies this book, not just Dave's messages. I know I would not be as read to commit to fixing my own problems if it wasn't for these stories. They are key...injections of belief.

God Bless Dave Ramsey and his audience for this great read. I'm re-working our budget right now! :)

It Works!! We Tested It!!
There are so many books on being financially set that you wonder if there can be another book that has the right principles. Almost like all those diet books out there.

I needed some help and knew of 10 other families in need of help also. So we gathered together and did a course of study using this book as our main textbook. The results???

EVERY family is doing much better financially 4 months after completion of our studies. I am referring to 10 different families with 10 different backgrounds!!!

My statement is that if it can work for this group there is no reason why it cannot work for you. The principles are simple to understand and therefore to follow. The key is learning how to really do a monthly budget with enough room to flow without choking through the month.

IT WORKS!!!!

Get Back On The Right Track Financially
This book can definitely change lives. Dave Ramsey provides a step by step "real life" approach to tackling your financial woes. I can't say enough good things about this book.

Are you sick of living paycheck to paycheck?

Are you tired of worrying about your retirement funds?

Are you in a financial mess?

If you answered yes to any of these questions, you need Dave Ramsey's "The Total Money Makeover". It is a great read. It has helped my family immensely; though we need to concentrate a little more in certain areas.

This book can teach you how to become debt-free in three to four years of sincere effort.

Well, what are you waiting for? Click the "BUY" button. It may be the best move you've ever made.

See ya next review.
www.therunninggirl.com ... Read more

Book Description

In this fresh, interactive guide, respected financial expert Dave Ramsey offers a proven, comprehensive plan for getting in shape financially.  The Total Money Makeover Workbook takes you one step closer to getting out of debt and achieving financial health. Against a playful backdrop of fitness terminology, Dave gives solid, hard-hitting advice and the “hope” and the “how-to” needed to turn goals into reality. The Total Money Makeover Workbook includes:

• Useful worksheets and forms
• Readable and informative charts and graphs
• The four factors that keep people from getting in shape financially

The Total Money Makeover Workbook is an essential resource for anyone desiring total financial fitness. Dave’s no-nonsense, tell-it-like-it-is approach translates into results for those who diligently follow this complete action plan. Tens of thousands of people have already transformed their financial situation with Dave’s advice, rooted in “God’s and Grandma’s common sense.” With The Total Money Makeover Workbook, countless others will be on their way to financial fitness.

Reviews (1)

Are you people with negative reviews kidding me?
This book is so much more than a book for the financially clueless. After you read this book, listen to Dave's radio program or listen to the archives on daveramsey.com. After less than two months of listening to Dave on radio, our bill arrived from the credit card company and I owed $500 for the previous months spending. I was so irate with myself that I pulled out the old credit card and cut it up while my husband grinned from ear to ear.

Then we went to Costco where Dave was appearing and had him sign our book and discovered for ourselves what a terrific guy he is! He not only cured our financial problems but his influence caused us to merge our finances, and write a monthly budget for the first time (at age 63 and 66). My husband and I were so filled with fresh hope that we were turning cartwheels of joy. We can't thank Dave enough!!! Asking for fresh financial advice is like asking for new ways to breathe air. There are rules in the universe dude, shut up and learn. ... Read more

Book Description

You'll need to wear many hats in the business of property management: advertiser/promoter (in seeking tenants), host (in showing your property), handyman (in keeping up with and arranging repairs), bookkeeper (in maintaining records), and even counselor (in dealing with tenants and their problems). But Property Management For Dummies will help you maintain your sense of humor – and your sanity – as you deal with these challenges and more.

You may become an unintentional property owner – someone who inherited a house from a relative and didn't want it to sit idle, or someone who transferred to a job in another city and decided to rent your home rather than sell it – or you may have entered the world of property ownership intentionally. Either way, real estate offers one of the best opportunities to develop a steady stream of residual income.

Property Management For Dummies is organized by specific topic areas, so you can easily and quickly scan a topic that interests you, or you can troubleshoot the source of your latest major headache. You'll discover how to

• Evaluate your skills and personality to see whether you have what it takes to be a landlord
• Keep your units occupied with paying tenants who don't destroy your property
• Move in your new tenants and move them out – and everything in between
• Assemble the right team of professionals to help you, from employees to contractors
• Insure your property and understand the taxes that go with it
• Look for additional sources of income beyond rent, including the opportunities and pitfalls of lease options

While many of life's lessons can be uncovered by trial and error, property management shouldn't be one of them – the mistakes are too costly and the legal ramifications too severe. In this book, you'll find proven strategies to make rental property ownership and management not only profitable but pleasant as well. ... Read more

Reviews (3)

You are not a "Dummy" if you read this book.
I met the author at a meeting of the Institute of Real Estate Management in Chicago several years ago. I hold the same "Certified Property Manager (CPM)" designation. So, I did a double take recently when I saw this book on the shelf of a book store. And I did a triple take when I saw that Robert had written it! Robert Griswold is an educator, and it shows in the book. I've been in property management for over 20 years and I bought the book and took it home for several evenings of enjoyable reading. (By the way, my wife thinks I'm nuts! I can't leave my work at the office.) Robert Griswold writes at the easiest common denominator. The book is entertaining and answers the wide variety of questions. Most property managers are "generalists", meaning you have to know a lot of things about a lot of topics: collecting rents, fixing up space, evicting tenants, dealing with difficult people, roof specialist, bookkeeper/accountant, landscape specialist, plumbing specialist, HVAC specialist, etc., etc. One thing that any property manager will know, it is a very detailed career. If you are a person with an interest in property management, a novice or a long-time veteran, this is a must-read book.

A Must Have Reference On Propery Management
Robert Griswold's Property Management For Dummies is a wonderfully practical digest on property management covering every applicable subject both for those considering becoming a landlord and for long time landlords. Easy to read, and easy to jump right to the subject on which one needs the most help, Mr. Griswold's years of experience and wisdom are made accessable to the reader. Having been a property manager for over three years now, I was surprised by how much I learned from this book. For anyone considering property management or being a landlord, this book lets one know in advance all the factors to weigh before making that leap. I'll state it again -- you must have this book if you are in any way going to be involved in property management.

The best information on property management is in this book!
Whether you live on the east coast or the west coast, looking to own a condo or a multi unit investment, this book will help answer a majority of the most puzzling questions a landlord might have in managing a property. It gives simplified step by step instructions on each process throughout the book....fun to read and very clearly written.

If you are about to enter the world of being a landlord, this book will tell you the rules. Every person needs this book for his or her financial self-defense and peace of mind. Read this book and preclude the problem before it happens. ... Read more

Book Description

Dave Ramsey knows what it's like to have it all. By age twenty-six, he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and, through his workshops and his New York Times business bestsellers Financial Peace and More than Enough, he has helped hundreds of thousands of people to understand the forces behind their financial distress and how to set things right-financially, emotionally, and spiritually.

In this new edition of Financial Peace, Ramsey has updated his tactics and philosophy to show even more readers:

* how to get out of debt and stay out
* the KISS rule of investing-"Keep It Simple, Stupid"
* how to use the principle of contentment to guide financial decision making
* how the flow of money can revolutionize relationships

With practical and easy to follow methods and personal anecdotes, Financial Peace is the road map to personal control, financial security, a new, vital family dynamic, and lifetime peace. ... Read more

Reviews (18)

Awesome book! Get it. Read it. Do it.
In Dave's Financial Peace Revisited, he tells the story of how he got rich then went broke and what he learned from it. Then, Dave tells how he took a long, hard look at our society and how totally "stupid" he was (and most Americans still are) in terms of how he viewed debt and money. Dave then relates how he re-started his own climb to financial independence in a totally different way than he did the first time. This book doesn't have a bunch of conceptual, theoretical junk. It gives you PRACTICAL, immediately implementable steps that anyone can take to get their financial house in order and tells you exactly how to go about it. If you are handling your money well, this book will help you get better. If you're struggling with your money or your relationship with your spouse due to money troubles, this book may change your life. Learn how to manage your money instead of having it manage you. I've been buying copies of this book online and giving them to the people in my life that I care about most. I couldn't recommend it higher. Good luck and may God bless you.

Awesome
No matter your financial situation this book will help you improve your finances. This book shows the dangers of all debt period. Dave provides 7 easy "Baby Steps" to follow to get out of debt and acquire wealth. Following his 7 baby steps will change your family tree. He stresses the importance of having a written budget each month before the month starts, but I really think this should have been the first baby step due to how important it is.
Baby Steps:
1.) ...emergency fund
2.) Debt Snowball
3.) Fully Funded Emergency Fund (3-6 months of expenses)
4.) 15% income towards retirement
5.) College Fund for children
6.) Pay off the mortgage
7.) Acquire wealth and give
I would highly recommend one of his live events if you ever get the opportunity.

Mutual funds do not guarantee financial peace
One of the authors failed at a real estate business (even though he came from a real estate family). He is living proof that not everyone can be Donald Trump. And that is a good thing for people to be aware of.

The essence of the advice this book is offering can be found on page 133: "Disciplined savings will outpace any investment scheme." Next the question is, what do you do with your savings? Their answer is mainly mutual funds. The risk in buying individual stocks, they claim, is astronomical. If the stock market continues to be relatively stable, "financial peace," I think, can be achieved by following the authors' formula, but not if there is an extraordinary financial crisis. If an unusually large stock market crash did occur, a lot of mutual funds would start to look like "investment schemes." Financial peace for many people would be shattered.

I deduct one star because the authors place too much faith in mutual funds. Mutual funds, after all, do invest in individual stocks that are traded on the stock market.

very accessible, to the point reading
Financial Peace is above all common sense--something most of us could use a lot more of, or at least I can, when it comes to money. I had confidence that Ramsey was hitting the topics I should think about, regardless of where I am at in my journey with finances. The Christian aspect of his teachings was a challenge now and then, but basically I decided: if that faith or any faith helps people live more peaceful, productive and happy lives, this is a good thing. The very last chapter gets a little proselytizing but I got the feeling the husband and wife Ramsey team were just doing what they felt they should. All in all, a good read, simple yet contemplative.

Life Changing Advice
Sometimes the obvious is right in front of you, but it takes someone else to point it out. Dave Ramsey does just that in this great book. His advice is sound and doable. By following his baby steps and starting my own debt snowball, I have changed the way my family and I look at our finaces and provided for a much better future. ... Read more

Book Description

Would you like to know the secrets to making all the money you’ll ever want?

Now, two mega-bestselling authors with decades of experience in teaching people how to achieve extraordinary wealth and success share their secrets. Mark Victor Hansen, cocreator of the phenomenal Chicken Soup for the Soul series, and Robert G. Allen, one of the world’s foremost financial experts, have helped thousands of people become millionaires. Now it’s your turn.

Is it possible to make a million dollars in only one minute? The answer just might surprise you. The One Minute Millionaire is an entirely new approach, a life-changing “millionaire system” that will teach you how to:

* Create wealth even when you have nothing to start with.
* Overcome fears so you can take reasonable risks.
* Use the power of leverage to build wealth rapidly.
* Use “one minute” habits to build wealth over the long term.

The One Minute Millionaire is a revolutionary approach to building wealth and a powerful program for self-discovery as well. Here are two books in one, fiction and nonfiction, designed to address two kinds of learning so that you can fully integrate these life-changing lessons. On the right-hand pages, you will find the fictional story of a woman who has to make a million dollars in ninety days or lose her two children forever. The left-hand pages give the practical, step-by-step nonfiction strategies and techniques that actually work in the real world. You’ll find more than one hundred nuts-and-bolts “Millionaire Minutes,” each one a concise and invaluable lesson with specific techniques for creating wealth.

However, the lessons here are not just about becoming a millionaire—they are about becoming an enlightened millionaire and how to ethically make, keep, and share your wealth. Whether your goal is less than a million dollars or that amount many times over, there’s never been a better time to achieve abundance. Let The One Minute Millionaire show you the way. ... Read more

Reviews (136)

Amazon you need to give more stars. On a scale from 1-5,
This book is at least a 10.

Seriously, I have long been a fan of both Mr. Allen and Mr. Hansen. This book is great. It combines both fiction with non fiction and as a result you have a mega best seller and super book that can create powerful results for people who actually read and use the concepts in the book.

The fictional story is inspiring and really not that far off what others have done. It reminds me of Allens excellent book "The Challenge", how Allen took three people straight out of the unemployment lines. People who were broke and frustrated and showed them how to earn $5,000 in real estate in three months.

So the fictional part is no really so fictional at all. The non fictional part is the best of Allen and Hansen and delivered in a new and exciting way. You'll learn how to use the internet, real estate and n etwork marketing.

Overall, a great book. Inspiritional, motivational and educational. Certaintly better than reading JBQ's antiquated and boring nonsense.

Good book. Highly recommended.

Powerful and inspiring
Robert Allen and Mark Victor Hansen have scored another winner with The 1 Minute Millionaire. I have many tapes from Hansen that were promoted by SMI many years ago. And I have read some of Robert Allens books, most notably Multiple Streams of Income, Nothing Down and Creating Wealth.

I'm in network marketing and am h appy to see prominent people like Robert Allen, Mark Victor Hansen, Robert Kiyosaki, Brian Tracy and others promoting this concept of wealth creation.

As everybody knows by now, The 1 Minute Millionaire is both fictional and non fictional. The fictional part is a story about a mother who must create income quickly. The non fiction part showcases Hansen's and Allen's most famous strategies. As a result this book is both inspiring and educational.

I recommend The 1 Minute Millionaire for anyone. It can change your life.

Six degrees of separation
This book is better than the Wealthy Barber or any of the Kiyosaki books that are written in this type of "make believe" style.

However I was left with two questions: Where do you get a mentor like the one in the book for free? Not to mention, friends like that? Friends that will work for free and support you unconditionally

2.5 - 3 stars - It has some good points

Unique and Powerful Book!
This book was required reading in my Network Marketing organization, and I had the great pleasure of reading and leading a book discussion on this wonderful book.

Mark Victor Hansen and Robert G. Allen have written a synergistic, life-changing book. It's a quick read--most of the sections on the left-hand side of the page are 4 pages long or less--and the lessons are powerful. The right side of the pages (the story side) are compelling. And it's ingenious that they thought to write the book to take advantage of the cumulative effect of symbolism and emotion along with practical information.

If you're more logical and left-brained: The "right side brain" pages are a short story about a young woman, newly widowed, challenging her rich and (rather stereotypically heartless) in-laws for the right to raise her children. Some of the characters' actions will seem illogical and unrealistic. However, if you buy this book I would strongly ask you to suspend the "left brain" belief for a moment to let the core of the lesson come through for you. In the end the short story will further illuminate the lessons on the "Left Hand" pages and will bring them into sharper focus, because you would have put those lessons into practice by visualizing and feeling along with the character.

For the predominantly right-brained (like me): this isn't a heavy book. The sections are short, and the 24 AHA's are especially illuminating and helpful. The rest of the book has great suggestions for creating sources of income (of which Robert Allen is especially famous for), and for integrating those changes within yourself to better yourself and others around you (as Mark Victor Hansen is fond of teaching). After reading the short story, the "left hand" pages will bring everything you learned by "feeling" through the story into even greater focus.

All in all, this is a great book to add to your library. If you've read any of the RichDad series and Robert Allen's Multiple Streams of Income, you'll definitely want this in your arsenal.

Definitely a winner!
What appealed to me about this great book by Allen and Hansen is that it offers both fiction and non fiction, it is entertaining and enlightening and the timing couldn't be better.

People who think this is "hokey" or "feel good" just don't get it. Perhaps too much left brain training and I am curious as to how they are doing financially.

The 1 Minute Millionaire is a great book. It will inspire and educate you. This is must read, especially after listening to the democrats. ... Read more

Book Description

"What is the difference between and employee and a business owner?Why do some investors make money with little risk while most investors just break even?Why do most employees go from job to job while others quit their jobs and go on to build business empires?

THE CASHFLOW QUADRANT answers these questions and guides readers in finding their own path to financial freedon in a world of ever increasing financial change.It is a book written...

- for people who are ready to move beyond job security and begin to find their own world of financial freedom.
- For people who are ready to make deep professional and financial changes in their lives
- For people who are ready to move from the Industrial Age to the Information Age

Have you noticed that many of the brightest graduates from our universities want to work for college dropouts...dropouts such as Bill Gates of Microsoft, Richard Branson of Virgin Industries, Michael Dell of Dell Computers, Ted Turner of CNN?Dropouts who are today the mega-rich oof society.Why does this happen?As THE CASHFLOW QUADRANT reveals, it is simply a matter of knowing which quadrant to work from and when." ... Read more

Reviews (221)

Become a business owner - I agree!
In this followup to Rich Dad Poor Dad, Robert Kiyosaki goes even deeper into the various quadrants and explains why and how anyone can go from the E to B to I to S Quadrants. And I am pleased to see that Kiyosaki is telling the truth about network marketing and why it is such a powerful S-Quadrant.

In fact, Kiyosaki offers two examples; one a friend who didn't have the money to start a conventional business so dove into network marketing and over time, built a very successful bsuiness.

The other was a real estate investor who was continually being probed by people on how to become rich. When he told people that he made his fortune in million dollar real estate deals, they were depressed because they knew that they did not have the capital of the skills to do that. So this guy got into network marketing solely to provide a vehicle that people with limited capital and limited sales skills could dive into and begin creating cash flow and residual income immediately. His circles of influence saw his success in network marketing and knew this was something they could do. And they succeeded!

Cash Flow Quadrant discusses the various quadrants. It describes the personalities of the people in each quadrant. And describes how to become more than a business owner but to reach the S-Quadrant, the ideal quadrant which provides financial and personal freedom. It gives you both time and freedom.

Its Work, and Its Worth It
Robert Kiyosaki presents a solid theorem that clearly states what people need to do to shift from the paycheck-to-paycheck life to the financial freedom lifestyle. As an advisor to business executives, investors and entrepreneurs, I can say without reservation that he is right on the mark.

We now give this book to clients of the firm and prospective entrepreneurs as a must read. To benefit from this text, and to be successful in the "B" and "I" quadrants he defines, individuals must make a paradigm shift. To grasp paradigms, they should read Paradigms : The Business of Discovering the Future by Joel Arthur Barker. Paperback (May 1993). This is another must read for our clients.

Here is the bottom line: Cashflow Quadrant makes it clear that people desiring financial security and financial freedom need to shift from the "E" or "S" quadrants to the "B" and "I" quadrants, and must change what happens between their ears as the starting point. It requires going to a different kind of university to learn and apply new things. Without reading books like Cashflow Quadrant, most people won't have a chance to cross over because they won't understand the underlying psychology that makes the difference between success and failure.

Regrettably, in our experience, and in the experience of other firms, we find that most people won't make the shift because they can't handle the emotional risk, even when they can handle the time or money risk. The emotional risk is the show-stopper.

This is what Robert Kiyosaki's rich dad pointed out to him when he told Robert that he must go into sales and hone his skills before he had a chance at becoming wealthy. Selling requires precisely the emotional development needed to handle emotional risk, and handling emotional risk is one of the keys to success. Without it, you can't get there from here. As Robert Kiyosaki points out, for many people, network marketing will more likely be their opportunity and proving ground, rather than buying a national franchise or a corporation. The best network businesses provide the kind of "university" people need, as the author explains. And, there is much less downside risk to network businesses than buying or building a corporation.

This is an eye-opening, eye-popping text that readers should study as one of their first steps in their journey to make the successful transformation from an "E" or "S" to the "B" and "I".

An absolute must read!
I read Rich Dad Poor Dad which was great and got me hooked on the series, and that was the perfect warm-up for the Cashflow Quadrant. I learned more about the way the world of money REALLY works in the 2 days it tooks me to read this book than I have in my entire life. I'm 28 now, and if I had read the Rich Dad series before I ever got my hands on a credit card, I'd be a millionaire by now. Chapter 6 of this book especially blew my mind. It's very much like the movie "The Matrix". I had no idea what was really going on in the real world before I read the first two Rich Dad books and they opened my eyes up to the systems the rich use. The problem is, most people that are not born rich feel like they can not achieve great wealth, but it is very attainable if you have the knowledge and the courage to act. These books are priceless to me, and I'm trying to get my parents to read them and break out of their "Industrial Age" way of thinking that has kept them in debt their whole lives with very little saved for retirement. Read Rich Dad Poor Dad first, because it lays the foundation perfectly for this book. You may hear people complain that there is too much repetition in these books, and there is to some extent, but it only reinforces the concepts they are trying to teach you. I don't mind that all, since that's the way you remember things, just like studying for a test. Don't listen to naysayers, these books are gold!!

Powerful book for generating cash flow
This bookis awesome. I bought it on Friday and already have developed cashflow strategies that will enable me to exit my 9-5 job. Thank you Robert Kiyosaki.

Mostly More of the Same
At the beginning of "Superman 2", we are given a quick review of what happened in the first movie. This was necessary, I guess, in the days before home video and cable TV in every home. Cashflow Quadrant, the sequel to Rich Dad Poor Dad, contains far more than a quick review of the first book, and with the advent of libraries and on-line bookstores, I really have to wonder why they repeated the information. In fact, it repeats so much of the information from the first book that I question the reasons for making CQ into its own stand-alone book at all. It feels more like "the rest of the information" than subject matter for a completely separate book.

I thought Rich Dad could have used tighter editing, and if it had, it would have been a much shorter book. CQ is exactly the same way, meaning that if both were edited down to avoid repetition, they could be combined into a single, highly-informative book of about the same price.

Am I exaggerating? Perhaps, but consider that this is my impression based on the ABRIDGED audio version.

But I digress. The real question is how informational this book is. To be sure, there is a good bit of information here, but I felt a little disappointed by the end. Kiyosaki spends most of the book stating why we should change but only a very brief conclusion tells us how to begin the process.

I still have more questions than answers, and I'm starting to wonder if the Rich Dad series will actually tell me what I need to know. For example, Kiyosaki says you should typically become a B (business owner) before becoming an I (investor). What is the next book in the series? Rich Dad's Guide to Investing. *Sigh* I want to take your advice and build a corporation. I have no money (so investing is out of the question), but I'm ready to get serious, and now you won't tell me how to get started? He ends this book with the this advice: "Take baby steps." His next book gets you ready for the Olympics. Either I'm missing something or he is.

So I must say I give this book high marks for philosophy (just like its predecessor, CQ has helped reshape my thought patterns), but if you want much actual information, you will be spending more money on books. If the purpose of this series is to teach you how to have more money with less work, Cashflow Quadrant is an ironic waste of time and money.

Quick note on audio CD: the narrator's habit of extreme annunciation definitely takes some getting used to. ... Read more