Financial Planning Books

Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth

T. Harv Eker

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Customer Reviews:
Total reviews: 364 Average rating: 4.0 of 5

Editorial Review:

Secrets of the Millionaire Mind reveals the missing link between wanting success and achieving it!

Have you ever wondered why some people seem to get rich easily, while others are destined for a life of financial struggle? Is the difference found in their education, intelligence, skills, timing, work habits, contacts, luck, or their choice of jobs, businesses, or investments?

The shocking answer is: None of the above!

In his groundbreaking Secrets of the Millionaire Mind, T. Harv Eker states: "Give me five minutes, and I can predict your financial future for the rest of your life!" Eker does this by identifying your "money and success blueprint." We all have a personal money blueprint ingrained in our subconscious minds, and it is this blueprint, more than anything, that will determine our financial lives. You can know everything about marketing, sales, negotiations, stocks, real estate, and the world of finance, but if your money blueprint is not set for a high level of success, you will never have a lot of money—and if somehow you do, you will most likely lose it! The good news is that now you can actually reset your money blueprint to create natural and automatic success.

Secrets of the Millionaire Mind is two books in one. Part I explains how your money blueprint works. Through Eker's rare combination of street smarts, humor, and heart, you will learn how your childhood influences have shaped your financial destiny. You will also learn how to identify your own money blueprint and "revise" it to not only create success but, more important, to keep and continually grow it.

In Part II you will be introduced to seventeen "Wealth Files," which describe exactly how rich people think and act differently than most poor and middle-class people. Each Wealth File includes action steps for you to practice in the real world in order to dramatically increase your income and accumulate wealth.

If you are not doing as well financially as you would like, you will have to change your money blueprint. Unfortunately your current money blueprint will tend to stay with you for the rest of your life, unless you identify and revise it, and that's exactly what you will do with the help of this extraordinary book. According to T. Harv Eker, it's simple. If you think like rich people think and do what rich people do, chances are you'll get rich too!

Cashflow Quadrant: Rich Dad's Guide to Financial Freedom

Robert T. Kiyosaki, Sharon L. Lechter

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Customer Reviews:
Total reviews: 319 Average rating: 4.0 of 5

Repetitive . . . yes 3 out of 5 stars.
0 of 0 people found this review helpful.

Like others, I do agree this book is a little repetitive. Mr. Kiyosaki does restate the same ideas he mentioned in his first book but he goes into more detail on other ideas; like how he made money on some deals. This book is meant to be a general 'coaching' and not a get rich quick seminar. So the repetitive pep talks are necessary and probably are similar in method to which his rich dad gave him. Furthermore, after a lifetime of repeating bad money habits, one needs repetition before correcting those habits. I do plan on continuing the series.

Thanks Dad 5 out of 5 stars.
0 of 0 people found this review helpful.

Outstanding book. It provides the right financial wisdom that is so desperately needed by many in this country.
Oh, how I wish I could have had a book like this 20 years ago!
It will make much better sense if you read the first book in the series first though, "Rich Dad, Poor Dad", if you haven't already done so.

Editorial Review:

The Cashflow Quadrant is the follow-up guide to finding the financial fast track that best works for you. It reveals the strategies necessary for moving beyond just job security to greater financial security by generating wealth from four selective financial quadrants.

The Retirement Savings Time Bomb . . . and How to Defuse It: A Five-Step Action Plan for Protecting Your IRAs, 401(k)s, and Other RetirementPlans from Near Annihilation by the Taxman

Ed Slott

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Total reviews: 36 Average rating: 4.5 of 5

Do you want your IRA to go to the IRS or your family? 5 out of 5 stars.
2 of 2 people found this review helpful.

Its hard to believe that you can spend your entire working life providing for your family and saving money to support yourself in retirement only to lose most of your retirement assets to the IRS when you die. Ed Slott's recent book provides strategies and ideas on ways to maximize your IRA and other retirement assets so that more of it stays in your family and out of the hands of the government.

Ed turns the table on the IRS and puts you in greater control of how your IRA assets are taxed and when. Using these strategies, it is possible for your beneficiaries to grow your IRA assets faster than the IRS can tax them! It's not rocket science, but you have to know how to do it.

If you have significant IRA assets and follow the strategies Ed describes, you will be able to leverage your IRA to its fullest leaving a financial legacy for your family that will provide financial security and income for decades to come -- long after you are gone. The alternative? Allow the IRS to take what they want first and let your kids fight over what is left. You decide.

Editorial Review:

The premier guide for retirement and investment planning by “America’s IRA Expert” (Mutual Funds magazine)—fully updated to reflect the recent tax rule changes

With the possible e xception of home property, the most valuable asset for most Americans is their retirement fund. Yet most people don’t know that the IRS is waiting to grab up to 90 percent of their hard-earned retirement savings. Now, in this fully updated edition of The Retirement Savings Time Bomb, renowned tax advisor Ed Slott explains in clear-cut layman’s terms what people need to know to keep their money and pass it on to their families.

Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial Independence

Joe Dominguez, Vicki Robin

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Customer Reviews:
Total reviews: 197 Average rating: 4.5 of 5

How to be financially independant 5 out of 5 stars.
1 of 1 people found this review helpful.

I have read over 50 books by all the most popular financial authors today, and I believe this classic from the early 90's is by far the best if your goal is to be financially independent from your job once and for all. The author himself actually became independent in his early thirties and remained so for over 20 years until his untimely death due to a critical illness. So this book is not about theories it is showing how some one achieved financial independence in real life.
The philosophy of this book is that you earn money through sacrificing your precious life energy through work. It talks about how the majority of people have destroyed their quality of life in pursuit of a high standard of living. The end result being they lose their identity in the position they hold and no longer live, they just work on a treadmill of endless earning and spending with little enjoyment.
The author proposed a nine step plan that will cause you to be mindful with your money. Track your spending, are you really getting the value out of what you have bought for the effort you gave to earn the money? He proposes a chart graph to track your monthly spending against your monthly income, with a third line of savings. When the interest on your savings surpasses your expenses you are completely financially free for the rest of your life. You have the rest of your life to enjoy and do what ever you please. Volunteer, work part time at something you truly love, of just sleep until noon until you are bored. The key to this program is:being frugal, aggressively eliminating all debt and cutting expenses in every way possible and saving diligently. I admit that this program is a little extreme for most people, but I am willing to follow it for the ultimate pay off, financial freedom to do as I please for the rest of my life. The new American dream.

I would highly recommend also reading Dave Ramsey's :"Total Money Makeover" if you find this book to Spartan for your personal tastes. Dave has lead me to being debt free with a large net worth over the past 15 years, and I started with nothing.

Editorial Review:

There's a big difference between "making a living" and making a life. Do you spend more than you earn? Does making a living feel more like making a dying? Do you dislike your job but can't afford to leave it? Is money fragmenting your time, your relationships with family and friends? If so, Your Money or Your Life is for you.

From this inspiring book, learn how to

• get out of debt and develop savings
• reorder material priorities and live well for less
• resolve inner conflicts between values and lifestyles
• convert problems into opportunities to learn new skills
• attain a wholeness of livelihood and lifestyle
• save the planet while saving money
• and much more

Rich Dad's Guide to Investing: What the Rich Invest in, That the Poor and the Middle Class Do Not!

Robert T. Kiyosaki, Sharon L. Lechter

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Total reviews: 195 Average rating: 3.5 of 5

Editorial Review:

The rich are different from the rest of us, if for no other reason than U.S. tax and securities laws allow them to invest in ways that keep us from catching up to them. That's why 90 percent of all corporate shares of stock are owned by 10 percent of the people. Kiyosaki believes it's possible for anyone to move up into that 10 percent, but it takes a different view of investing than most people have: it takes a plan to be a successful investor. And a plan is more than simply buying and selling, or collecting "assets" that bring in no cash and are thus more akin to liabilities. The way most people invest, "they might as well be pushing a wheelbarrow in a circle," he writes. A plan is "mechanical, automatic, and boring," a formula for success that has worked historically for most of those who've used it. Kiyosaki's "rich dad" (actually, the father of his best friend) tells him the simplest analogy is the game Monopoly: buy four green houses, trade them for one red hotel, and repeat until you become rich.

The overall message of Rich Dad's Guide to Investing is that this is an abundant world, full of opportunity for the sophisticated investor. However, it sometimes takes a while to find this point. Much of the book is told in dialogues between young Kiyosaki and his rich dad, and these conversations can ramble. There are rewards for the careful reader--for example, in the middle of a section on the basic rules of investing, Kiyosaki's rich dad compares investor education to toilet training: difficult at first but eventually automatic. But getting to these inspired metaphors means wading through a lot of repetitive dialogue. It's a bit ironic that someone who advocates investor discipline should show so little as a writer. But by the end of the book, even the rambling starts to make sense. By the hundredth time you read that the rich don't work for money, and that you don't need money to make money, both concepts start to make sense. It still looks difficult to apply these ideas, but Rich Dad's Guide to Investing certainly makes the case that they'll work for anyone bold and smart enough to practice them. --Lou Schuler

Rich Dad's Increase Your Financial IQ: Get Smarter with Your Money (Rich Dad's)

Robert T. Kiyosaki

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Customer Reviews:
Total reviews: 26 Average rating: 4.0 of 5

Editorial Review:

For years, Robert Kiyosaki has firmly believed that the best investment one can ever make is in taking the time to truly understand how one's finances work. Too many people are much more interested in the quick-hitting scheme, or trying to find a short-cut to real wealth. As Kiyosaki has preached over and over again, one has to truly under the process of how money works before one can start out on trying to escape the daily financial Rat Race.

Now, in this latest book in the popular Rich Dad Poor Dad series, Kiyosaki lays out his 5 key principles of Financial Intelligence for all to understand. In INCREASE YOUR FINANCIAL IQ, Kiyosaki provides real insights on these key steps to wealth:

o How to increase your money -- how to assess what you're really worth now, what your prospects are, and how to start mapping out your financial future.

o How to protect your money -- for better or for worse, taxes are a way of life. Kiyosaki shows you that "it's not what you make....it's what you keep."

o How to budget your money -- everybody wants to live large, but you have to learn how to live within your budget. Kiyosaki shows you how you can.

o How to leverage your money -- as you build your financial IQ, knowing how to put your money to work for you is a crucial step.

o How to improve your financial information -- Kiyosaki shows you how to accelerate your wealth as you learn more and more.

Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams (Revised Edition)

David Bach

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Total reviews: 138 Average rating: 5.0 of 5

Editorial Review:

David Bach's Smart Women Finish Rich is a homage to the financial wisdom of his grandmother; it's also an excellent foundation for women who are starting to get their financial lives in order. Bach's approach to money management is rooted in years of investment seminars for women and his work as senior vice president of investments at Morgan Stanley Dean Witter. During that time he recognized that "people rarely know what is truly driving them emotionally when it comes to money." In response, Bach has written a guide to money management for women based on his belief that "financial planning is as much an emotional issue as it is an intellectual one." Are you considering your values in your work and investing? What part of your daily work is driven by your goals in life? Is your latte habit preventing you from accumulating substantial wealth? Bach addresses tax strategies, wills, insurance, retirement plans, and investments in a highly accessible manner. Smart Women Finish Rich ably bridges the gap between simple saving strategies and preparing for widowhood and financial independence. --Brad Doll

Rich Dad's Real Estate Advantages: Tax and Legal Secrets of Successful Real Estate Investors

Sharon L. Lechter, Garrett Sutton

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Customer Reviews:
Total reviews: 21 Average rating: 4.5 of 5

The First Book to Truly Teach Real Estate Method 5 out of 5 stars.
5 of 7 people found this review helpful.

This book does for real estate investing what Pimsleur does for language learning: it teaches you to speak the real estate language, to ask knowledgeable questions, and to make informed decisions.

I have been through dozens of books, tapes, and CD programs on investing in real estate. Some are strictly motivational with little useful information. Others are like reference works and cannot be read from beginning to end. Still others hope to be meaningful forever and so dare not give you anything too current, or disputable and likely to change. Lechter and Sutton, however, wrote a book to turn a dreamer into a real estate investor. If that's what you still want at the end - but you have all the info to make the decision. Other reviewers might say that there are no "secrets" in this book - true, I suppose - but if YOU don't have a tutor for the subject, then for YOU common knowledge is a secret!

The authors give separate advice for dealing with primary residence and for investment properties. Most other books blur these separate cases. Special cases where individual state law might differ from the general situations are pointed out. Case studies and repetition are used throughout - much like Pimsleur uses conversation in each language lesson. The reader brings everything learned earlier to each case, but is stretched just a bit to see why each case is unique. Each chapter builds on prior chapters. Included is the required amount of math, but this is clearly not a math book. On the contrary, it is an enjoyable read cover-to-cover. Some of the material is current as of 2006 and this is clearly noted. I hope this book gets updated every few years.

While technically part of the Rich Dad series, the book stands on its own. The reader is fully aware of the few tacked-on references to the Rich Dad philosophy.

This book is a must-read for anyone thinking about a career in real estate investing in all its forms. Consider it the second book you read - after something like "Home Buying for Dummies."

Editorial Review:

Real Estate Advantages is for first-time as well as seasonedreal estate investors.It reveals the tax and legal loopholes availableand most important, how they can be used together to not only maximize yourincome--but accelerate your income from real estate investing.SharonLechter and Rich Dad's Advisor Garrett Sutton team up for the first time todeliver practical, proven strategies and formulas--from the perspective ofsuccessful investors, CPAs and asset protection attorneys--for acheivingthe greatest leverage from real estate investing.Written ineasy-to-understand language, this book de-mystifies the legal and taxaspects of investing with easy-to-follow, real life examples. Real EstateAdvantages reveals how you can find good advisors, create steady monthlyincome, reduce your risk, pay less in taxes, make more money with yourbanker's money and, best of all, the government helps you!

Smart Couples Finish Rich: 9 Steps to Creating a Rich Future for You and Your Partner

David Bach

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Customer Reviews:
Total reviews: 78 Average rating: 4.5 of 5

Editorial Review:

Like many savvy business people of the 21st century, David Bach offered his first pearls of financial wisdom to women, in his bestselling book Smart Women Finish Rich. Recognizing that these women are often accompanied by significant others and that money arguments are the number one cause of divorce in America, Bach has now broadened his scope. Presumably intended to help change this depressing statistic, Smart Couples Finish Rich is a well-written financial planning tool, packed with useful charts and information, inspiring examples, and practical advice.

For people who've been disappointed by the shallowness of some of the "quick tips" self-help books out there, the subtitle of this book is a little misleading. Bach's nine steps are not instant change techniques or chirpy little quips to recite to yourself whenever you go to balance your checkbook. Instead, the first few steps include a series of exercises that will help you determine what you know (and don't know, or understand) about saving and investing, what role money should play in your life (which includes understanding your values), and how to work together toward a common financial goal. From there, Bach teaches his readers how to account for "disappearing" money, how to build retirement, security, and dream baskets of wealth (providing detailed options for all three), and how to avoid the most common financial mistakes most couples make. Though the focus of the book is predominantly on working with your existing income, Bach includes a final chapter entitled "Increase Your Income by 10 Percent in Nine Weeks."

Bach's writing style is engaging and his advice is user-friendly. A successful financial planner, he obviously believes passionately in all the "fringe" benefits of being financially responsible but employs a no-nonsense approach that makes financial smarts available to everyone. So whether you're 25 and just starting out on the earning, saving, and spending road or you plan to retire next year; whether you've recently got hitched for the first time or you've just entered your fourth marriage; and whether financial planning comes first or last on your list of fun things to do, the advice in Smart Couples Finish Rich is worth heeding. It's not about becoming a money-obsessed bore, it's about getting smart... and rich. --S. Ketchum

Start Late, Finish Rich: A No-Fail Plan for Achieving Financial Freedom at Any Age (Finish Rich Book Series)

David Bach

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Total reviews: 92 Average rating: 4.0 of 5

Editorial Review:

David Bach has a plan to help you live and finish rich—no matter where you start

So you feel like you’ve started late?

You are not alone.

What if I told you that right now as you flip through this book, 70% of the people in the store with you are living paycheck to paycheck?

What if I told you that the man browsing the aisle to your left owes more than $8,000 in credit card debt? And the woman on your right has less than $1,000 in savings?

See? You’re really not alone.

Unfortunately, the vast majority of people who’ve saved too little and borrowed too much will never catch up financially. Why? Because they don’t know how.

You can start late and finish rich—but you need a plan.

This book contains the plan. It’s inspiring, easy to follow, and is based on proven financial principles. Building a secure financial future for yourself isn’t something you can do overnight. It will take time and it will take work. But you can do it.

I know. I’ve helped millions of people get their financial lives together—and I can help you. Spend a few hours with me—and let me challenge you. Give me a chance to become your coach.

Just because you started late doesn’t mean you are doomed to an uncertain future. Whether you’re in your thirties, forties, fifties, or beyond, there is still time to turn things around. It’s never too late to live and finish rich. All it takes is the decision to start.


—David Bach

Is it too late for me to get rich?

Over and over, people share their fears with David Bach, America’s leading money coach and the number-one national best-selling author of The Automatic Millionaire. “If only I had started saving when I was younger!” they say. “Is there any hope for me?”

There IS hope, and help is here at last!

In Start Late, Finish Rich, David Bach takes the “Finish Rich” wisdom that has already helped millions of people and tailors it specifically to all of us who forgot to save, procrastinated, or got sidetracked by life’s unexpected challenges.

Whether you are in your thirties, forties, fifties, or even older, Bach shows that you really can start late and still live and finish rich – and you can get your plan in place fast. In a motivating, swift read you learn how to ramp up the road to financial security with the principles of spend less, save more, make more – and most important, LIVE MORE. And he gives you the time tested plan to do it.

The Start Late, Finish Rich promise is bold and clear:

Even if you are buried in debt – there is still hope.

You can get rich in real estate – by starting small.

Find your “Latte Factor” – and turbo charge it to save money you didn’t know you had.

You can start a business on the side – while you keep your old job and continue earning a paycheck.

You can spend less, save more and make more – and it doesn’t have to hurt.

David Bach gives you step-by-step instructions, worksheets, phone numbers and website addresses --everything you need to put your Start Late plan into place right away. And he shares the stories of ordinary Americans who have turned their lives around, at thirty, forty, fifty, even sixty years of age, and are now financially free. They did it, and now it’s your turn. With David Bach at your side, it’s never too late to change your financial destiny. It’s never too late to live your dreams. It’s never too late to be free.