Gera mergaitė netaps turtinga: 75 klaidos, kurios trukdo moterims tapti turtingomis

by Lois P. Frankel, Rita Vidugirienė (Translator)

Moters santykis su pinigais yra toks pat sudėtingas, kaip ir visi kiti, teigia knygos autorė Lois P. Frankel. Ši knyga ne vien apie finansinį planavimą, bet ir apie finansinį mąstymą. Joje rašoma, kaip moterys, išauklėtos būti "geromis mergaitėmis", negali atsiplėšti nuo pasenusių elgesio ir mąstymo taisyklių, todėl kuria gerovę savo pačių pasirinktomis atsitiktinėmis priemonėmis. Autorė apžvelgia moterų daromas klaidas, pataria, kaip įveikti "geros mergaitės" sindromą ir žengti į finansiškai savarankišką gyvenimą.

Genres: Nonfiction, Self Help, Finance, Business, Money, Personal Finance, Personal Development

284 pages, Paperback

First published April 15, 2005

About the author

Dr. Lois Frankel, President of Corporate Coaching International, a Pasadena, California consulting firm, literally wrote the book on coaching people to succeed in businesses large and small around the globe. Her books Nice Girls Don’t Get The Corner Office and Nice Girls Don’t Get Rich are international bestsellers translated into over twenty-five languages worldwide. Stop Sabotaging Your Career, a book based on her experiences as a pioneer in the field of business coaching working with everyone from CEOs to entry-level professionals, is a must-read for both men and women.

Reviews

[Gwen · Rating 2 out of 5]

I'm not sure who this book's intended audience is. Maybe women of a certain age and of an upper middle-class background who are recently divorced or widowed, and are just now having to learn about how to manage money? The expectation throughout is that there is money, including inheritances, which seems odd today—11 years after the book was published, after a global recession, after the hollowing of the middle class, when the stock market no longer has historical returns of 10.4 percent annually, and after the growth of the "sandwich generation," squeezed at both ends from rising tuition costs for their children and rising healthcare costs for their parents.

She expects that if we're not already contributing the maximum to our 401(k)s, it's because we don't know that we should—not that we don't have the $18,000 just floating around and waiting to be put to better use in retirement savings. Additionally, this book emphasizes the cult of homeownership and scaling the property ladder (understandable, given that this book was published in 2005 before the housing bubble burst). For some, buying a home can be the answer, but homeownership hasn't proven to be the solution for everyone, especially now that houses are becoming increasingly out of reach for all but the wealthiest of people.

Frankel's work also entrenches gender norms, presuming that every woman is going to be a wife and/or a mother. That every woman "dream[s] of our first home as being the one into which our husbands will carry us over the threshold" (loc. 2119). That we must be concerned with "the male ego...a fragile thing" (loc. 999) that must be preserved.

But beyond this dated narrative, the advice seems...off. Frankel explains budgeting—presumably because her intended reader doesn't know how—but later blithely states that 401(k) contributions are protected by ERISA laws, without explaining what, exactly, those laws are and why we should care. She also gives advice similar to what I read and hated in The Economy of You: Discover Your Inner Entrepreneur and Recession-Proof Your Life: monetizing hobbies and starting side gigs without any serious guidance on how to do so. She flippantly states, "If you have a message, consider writing books or making documentaries or producing shows/films that have meaning—and turn a profit at the bookstore or the box office" (loc. 2455). Sure, like it's really that simple...

Frankel, understandably, emphasizes her other book (which I actually enjoyed) but the constant references to that book got tedious. There's some good advice in here, especially about maximizing employer-provided perks (assuming you get them), but if you're looking for a basic introduction to figuring out how to plan your finances, All Your Worth: The Ultimate Lifetime Money Plan and The Behavior Gap cover the information in more depth and understanding of broader economics.

[Vonetta · Rating 5 out of 5]

This book changed my life. I couldn't put it down. I'm the kind of person who thinks that thinking like a man is beneath me, but I guess it makes sense with regards to money. It made me think about the real reasons why I spend (elliciting some self-induced Dr. Phil moments), but it has inspired me to be more cautious about how I spend. I mean, I can't even walk into a store without experiencing cognitive dissonance or thinking about the condo that I so desperately want to purchase in the next 7 years. Total priority shift.

[Joanna Vaught · Rating 2 out of 5]

60 of these 75 mistakes are so obvious that, frankly, if women are really making these mistakes on a regular basis, they shouldn't even be allowed to have money. i wanted a book that told me practical ways to invest and save, not bullshit advice like: "stop shopping!" and "don't give money away!"

[shams hoter | · Rating 3 out of 5]

الكاتبة تستعرض ٧٥ خطأ ترتكبها النساء في التعامل مع المال تعلمنا كيف نتفادها ونحسن من حياتنا ، أغلب الأشياء اللي تعلمناها قد تكون غير صحيحة وفي الكتاب تصحيح لهذه
المفاهيم ، وكان على قائمة نيويورك لأفضل الكتب مبيعًا ..

[Marleen | Favoritez · Rating 3 out of 5]

Geluisterd via spotify.. prima boek met een aantal handige tips, maar verder heeeel Amerikaans en behoorlijk gedateerd 🤷🏼‍♀️

[Diana · Rating 4 out of 5]

This book carries the same message as Destiny's Child's Independent Woman Pt. 1 song. Except for the 'only ring your celly when I am feeling lonely, when it's all over please get up and leave.' That happens to be my favorite lines, though. LOL.
Working in a bank helps me to be smart in investing. I got to know where to put my money in the right investment which will help me to get rich hahaha well, you have to let your money work for you, no?
And I think, being financially independent is a must for every woman. We cannot blame the culture here where men think that women are 'not-so-smart-enough' in earning and spending money and I still find most women don't have enough knowledge in how to make their money grow. For example, we women tend to save our money in time deposits or saving account no matter how much we earn them while men tend to invest in property and stocks. I am not saying that it's wrong to save your money in saving account or time deposits, it's just that in this time they're not the right investing instruments. You'd get small interest!! And you'd even have to pay for taxes!! But sometimes women don't have the guts to switch from the traditional instruments like time deposits to stocks. Believe me ladies, time deposits' interest won't get you anywhere...Try to invest in unit link, instead.

This book however, teaches us women how to become financially independent, how to invest the right way, and how to be really smart in earning and spending your money, and how not to be weak in dealing with money issues. I think it's really empowering. And I am so into empowering books. Women should read this.

[Evelyn · Rating 3 out of 5]

While there are many great tips in this book, I realized as I read that I don't actually want to be the kind of rich that Lois Frankel talks about. She cautions readers to only lend money to friends and family that we know will repay it. She also reminds us to charge our friends and family members for our services. My friends and family members make my life rich, and that means much more to me than the number at the bottom of a balance sheet.
The first chapter, titled Women and Wealth is a very good read. Shortly after finishing this part, I had a money conversation with a man that illustrated perfectly the author's observations about how differently women (or at least I) think about money than men (or at least the man I was having the conversation with). It was uncanny.

[Brandee Spears · Rating 4 out of 5]

If you looking for inspiration to get started on changing your financial lifestyle, this is a great start. If you're looking for an overall how-to for investing, this isn't the book for you. It's sort of like Rich Dad, Poor Dad but aimed at I powering women.

[Tejumade]

This is an interesting book, with an interesting title. But it seem it's just reminding me of everything I already know. I like the title though, so I put the book in a conspicous place on my Book-shelf- seeing the title everyday put me in check from going overboard..

[priv · Rating 1 out of 5]

Alles schon einmal in weitaus besser gelesen. Außerdem nervt die Eigenwerbung der Autorin enorm. "Es ist ein Fehler, dass du mein erstes Buch nicht gelesen hast!"

Nein, Lois, ich habe es gelesen und in Bezug auf Finanzen hat es keine Relevanz! Weswegen diese Eigenwerbung eben ziemlich uninteressant und auch vermessen ist.

Aber das ist eine typische 2022-Coach-Masche. "Kauf alle meine Produkte, sonst bist du nicht schlau!" Will ich nicht, mag ich nicht.

Ihr erstes Buch war aber gut, tho.

[Suus · Rating 3 out of 5]

It's a great book if you're starting to explore the world of finance (like me) since it talks about topics I never even thought about. However, some of these tips seem like surface level knowledge to me. It doesn't go into great depth -its not what this book is about- but it's a great start!

[Alexandra · Rating 4 out of 5]

quick, effective read - though a little meh on novel ideas.

[Kristen · Rating 3 out of 5]

Nothing great in here. Very basic information. Could be helpful for high school or college aged people.

[Jenske Schuurman · Rating 3 out of 5]

Interessant hoe ze er vanuit gaat dat iedereen rijk is. Of dat alle mannen geldwolven met ego’s tot aan het plafond zijn. Out-of-the-box ook wel: “Neem een baan met een hoog salaris”.

[Alexandra · Rating 3 out of 5]

3.5*

[Nicci307 · Rating 3 out of 5]

Leider sehr amerikanisch gehalten und sehr oft der Verweis auf das eigene Buch. Für Anfängerinnen ggf. Hilfreich, aber hier haben wir auf dem deutschen Markt doch passendere Lektüren.

[Amalina Ariffin · Rating 1 out of 5]

(1.4 / 5 stars)

Just when I thought nice girls don't get the corner office was bad, then I listened to this audio book. Oh boy.

It seems like the target audience are divorcees or widows married to rich men and not really for everyday women.

Again with outdated and simplistic ideas and thoughts blaming women and making us look like we love shopping and are vulnerable incapable of managing our finances well instead of also reflecting on the complex relationship and social dynamics of women and money. The author pointed out many of the mistakes women made but constantly resort to the solution of seeking the advice of others instead of taking the time to spell out different methods to the solution instead of relying on others which got women to the mess she was referring to.

Sometimes I got so annoyed I started tuning out as I was trying to process my annoyance from this book. To be fair maybe when it was published it was a lot more revolutionary but for today's financial landscape I recommend reading Girls Who Invest and Rich AF who gave step by step guidance and also written by women of color so they shared relatable issues like being migrants or ethnic cultural limitations.

[Amarylis Meuninck · Rating 1 out of 5]

Het doelpubliek in mijn ogen : 40-jarige vrouwen die in de knoop zitten met hun financiën en net een scheiding achter de rug hebben. Het zit vol met contradicties, sparen wordt geprezen en tegelijk beleggen ook. Alsook lijkt het van tijd tot tijd een felicitatie van haarzelf aan haarzelf voor haar eigen rijkdom. Het was een heel taai boek om er door te nemen, met veel achterhaalde tips (al dan niet allemaal achterhaald).

[Mireille · Rating 3 out of 5]

I read the translated version of the book, in Finnish, which made some of language seem off; either condescending or simply nonsensical as direct translations of phrases often don't work.
Aside from that since the translation is obviously not part of the original deal you get with a book: most items in the book are pretty darn obvious. There are next to no actual investment tips and the examples "from real life" are often of people who are already extremely privileged. If you have 10,000 USD to invest, you already are wealthy. Same with receiving inheritances between 10,000 and 30,000 USD. Also the statistic on how much of their earned income men use annually versus the amount used by women are kind of a moot point as there are more necessities women need for bare survival as there are necessities men need.

This book strikes me as directed more towards women in upper middle class to upper class, who grew up with wealth and all the opportunities and didn't ever really have to consider deciding between rent or eating. Or eating and medication. Or rent and education. The book isn't without redeeming qualities, but be forewarned that if you are poor, this book will probably not help you much.

[Stephanie · Rating 3 out of 5]

Some tips were great to read at this time in my life. I need to greatly consider whether or not we pay off our mortgage early and this book is leaning me towards researching other options.

Other tips were less relevant or more obvious. Like don't let your adult children leech off of you, but I'm sure there are plenty of retirement age people wondering what the hell happened.

Not a bad book, but I didn't find it particularly revelatory.

I did like her all-inclusive approach to picking topics and listing mistakes in a friendly and clear format.

[Monica Haak · Rating 3 out of 5]

Interessant. Zet aan tot meer lezen over financiën, budgetteren, rijkdom, beleggen etc. Niet per se dat dit boek alles vertelt, maar wel leuke start.

[Michaela · Rating 4 out of 5]

I feel like this is a great book for young women who lack the motivation and the necessary knowledge to start responsibly managing their money.

What I particularly liked about the took is that it has a very well organized structure: each habit is listed with a title, a description, sometimes even a short story, and with a few practical coaching tips - this made the book easier to read and digest. Additionally, not only did it provide advice, but it also motivated me to get more educated on the topic of personal finance (something I dread immensely, but I now recognize the important of).

What is worth mentioning is that this is definitely a book aimed at young women or women who have zero experience in managing their finances. For someone doing a somewhat okay-ish job at this, I think the book will mostly be common sense.

I think it would have been better if the book also provided some basic information on finance, rather than just references to useful resources - it would’ve made it a really complete guide. Nonetheless, I still think it’s a very useful book for young girls and it has inspired me to become more educated and responsible in terms of my personal finances.

[Meredith · Rating 4 out of 5]

Much like her other book, Nice Girls Don't Get the Corner Office, this book is built in a bullet-list style. It's a quick read that has really good advice. If you listen and implement her suggestions, you'll be on your way to a wealthier future. Hopefully the book reduces some of the fears people feel when they are faced with making changes to their ways of thinking, behaving, and planning for the future.

I've passed a few of these ideas along to family friends I thought might benefit. I suspect that's true for many readers.

The bullet-list style is a great mechanism for delivering information in a direct fashion. In most cases; it's my favorite reduce-the-bs way. However, as someone who listens to these books on her commute ... this style goes a little too fast. I can't take notes or engage with the material the way I would need to in order to grasp as much as I can of what she is saying. So I end up listening more than once. I guess that's not the end of the world...

[Laura Fulton · Rating 4 out of 5]

I saw something on Pinterest awhile back that I was reminded of while reading this book- it went along the lines of “if you think I’m buying coffee out every day, you already think I make more money than I actually do.” Or something to those lines.

While many points in the book would instantly make me think of specific instances in my own life, and the lives of my friends, I got a touch defensive during parts of it because she had the tendency of acting as though women were making financial “mistakes” because we as a gender are too stupid to see a better solution. Also, there is a lot of financial information that is outdated (with the book being written before the market crash in 2008).

All in all, I wish I had read this book 15 years ago, before I had the chance to make any of these mistakes. But after living as an adult, a lot of this was self explanatory.

[Barbara Dzino · Rating 2 out of 5]

The book is a bit outdated and its referrences are old as well (written in 2004). The target audience also would be more upper middle class women, who already have a large amount of money at their disposal to use setting up their own foundations or invest. I am also not a fan of how the concrete advice is to just go and find a financial advisor (this would be my main takeaway from the book) for everything, which is a bit outdated since you can learn pretty much anything from the internet these days.

However, the book was a good reminder on money mindset and that throuough research and preparation can get you a long way as well as setting the right boundaries - with the call to action that it is okay to be a bit more selfish as a women!

[Louise Hendrickx · Rating 3 out of 5]

3,5/5
I’m just getting started on my journey on financial wealth and this book did what I hoped it would do: inspire me to get with it!
The general ideas are good and mostly still apply today, and I like the approach on the psychological aspects of women in the financial world. For me at least a lot of things were still applicable, even though I’m 30 in ‘24.
I do feel that some of the tips in general haven’t aged well in our current climate (could she have known? I’d think on some level yes). Sometimes it did feel like an applause for herself & very much targeted to a specific type of woman.
All in all I think this was an easy and digestible read, and I’m happy I’ve read it. It set me on a course for searching more information.

[Megan · Rating 1 out of 5]

I listened to this audiobook only because it came as a pair with Nice Girls Don't Get the Corner Office via Libby. I kind of wished I DNF'ed this. If you want personal finance advice - read "I Will Teach You to the Rich" by Ramit Sethi and ignore Dr. Frankel. Several takeaways are similar but overall less offensive. Also this book did not age well. "Female ghettos"??? Recommending paying an advisor a percentage of your portfolio??

The only interesting things I learned was that per report studies have shown that women are 5x more likely to buy items on sale than men. I also did appreciate the advice to create time boundaries at work and not do unpaid work, which is good advice for all genders.

[Đặng · Rating 4 out of 5]

Một cuốn sách mình mua từ năm 2015. Lúc đó đọc xong còn chưa hiểu hết vấn đề, chỉ thấy cuốn sách này đơn thuần là một quyển sách self-help về tài chính cho phụ nữ. Mình còn mới chỉ đọc hết 1/3 cuốn sách vì lúc đó chưa nhận được những điều mình đang tìm kiếm.
2019 mình đọc lại, mình nhận ra cuốn sách thật sự có giá trị nhất định. Một số lời khuyên vẫn có thể áp dụng đến hiện tại, một số lời khuyên bản thân đã trải nghiệm và thấy giá trị.
Sách chia thành những chương nhỏ, nội dung bố cục rõ ràng, dễ đọc.
Cuốn sách này recommend cho những bạn trẻ hơn đang trên con đừng tìm kiếm sự tự do về tài chính.

[Lorna Liang · Rating 5 out of 5]

I came into this book in the local library, after finish reading, I felt so sad that I hadn't read it before I started my first job, meanwhile I felt so excited and I wrote a reading notes shared what I've learned from the book with more girls. I encourge them to find sometime and flip through this one.

Though the suggestions are not from financial professionals, and sometimes a little bit rough, yet the 75 problems girls made with money is the valuable part of this book and deserves every girl keeps the list in their wallets or in their phone reminding them from time to time.

I am expecting to read Dr. Frankel's other books.

[Brooke Mach · Rating 4 out of 5]

Extremely relatable, quick-paced read! Frankel does a fabulous job of explaining why women tend to make less money than men, backed by psychology and statistics. She provided numerous resources from articles, books, and websites to help break this cycle and reach financial freedom. The book is laid out in eight chapters that address different aspects that may be holding one back from achieving financial freedom. She provides logistical coaching tips, solutions, and resources to overcome the 75 mistakes women should avoid! Every woman should read this book at least once, regardless of age (although, the sooner the better).