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7 Bước Để Tự Do Tài Chính
“Vấn đề tài chính cá nhân không chỉ phức tạp, mà còn cực kỳ nhàm chán. Không phải ai cũng có thời gian đọc mớ sách tài chính đầy thuật ngữ mang tính hàn lâm. Đó là lý do tôi viết cuốn sách này, nhằm mang đến một phương pháp giáo dục tài chính mới đơn giản mà hóm hỉnh. Tôi ở đây để kéo bạn ra khỏi tuyệt vọng, lấy lại nhiệt huyết và tự tin, đồng thời có thể nắm chắc đồng tiền trong tay. Và quá trình này sẽ rất vui luôn. Tôi thề, tôi hứa, tôi đảm bảo”
Cuốn sách trình bày các phương pháp quản lý tài chính cá nhân, bao gồm những vấn đề như cắt giảm chi tiêu, kiếm thêm thu nhập thụ động, đầu tư & bảo hiể qua góc nhìn hài hước, bằng những câu văn dí dỏm vui nhộn. Và rất thích hợp cho những người trẻ đang muốn tiết kiệm tiền để mua nhà, xây dựng gia đình hay đầu tư cho tương lai.
Cuốn sách trình bày các phương pháp quản lý tài chính cá nhân, bao gồm những vấn đề như cắt giảm chi tiêu, kiếm thêm thu nhập thụ động, đầu tư & bảo hiể qua góc nhìn hài hước, bằng những câu văn dí dỏm vui nhộn. Và rất thích hợp cho những người trẻ đang muốn tiết kiệm tiền để mua nhà, xây dựng gia đình hay đầu tư cho tương lai.
278 pages, Paperback
Published November 1, 2020
1411 people are currently reading
1893 people want to read
About the author
Rachel Richards
2 books135 followersAt age 27, former financial advisor Rachel Richards quit her job and retired. She now lives off $15,000 per month in passive income.
Rachel Richards is the best-selling author of “Money Honey: A Simple 7-Step Guide for Getting Your Financial $hit Together.” She is an entrepreneur, professional speaker, and investor.
In her newest book, "Passive Income, Aggressive Retirement," Rachel dives deep into the topic of passive income and financial independence. She explains why building self-sustaining income streams is so brilliant (and not to mention doable for anyone and everyone). She outlines 28 different passive income models and how to start creating them.
Follow Rachel on social media! She is on Facebook and Instagram @moneyhoneyrachel.
Download your free passive income starter kit at www.moneyhoneyrachel.com/bonus
Rachel Richards is the best-selling author of “Money Honey: A Simple 7-Step Guide for Getting Your Financial $hit Together.” She is an entrepreneur, professional speaker, and investor.
In her newest book, "Passive Income, Aggressive Retirement," Rachel dives deep into the topic of passive income and financial independence. She explains why building self-sustaining income streams is so brilliant (and not to mention doable for anyone and everyone). She outlines 28 different passive income models and how to start creating them.
Follow Rachel on social media! She is on Facebook and Instagram @moneyhoneyrachel.
Download your free passive income starter kit at www.moneyhoneyrachel.com/bonus
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Displaying 1 - 30 of 179 reviews
May 24, 2018
As the very biased author of this book, I give it five stars, obviously.
July 15, 2018
This book will keep you in debt for life
I did a lot of the recommendations in this book about 10 years ago. I’ve been battling a vicious cycle of debt because of it. Trying to save money in multiple accounts while paying off debt without addressing why you have debt in the first place will only keep you in debt. You will never EVER get ahead this way.
I am speaking from experience. I don’t believe the author ever had debt, so trying to teach others how to get out of an experience that you do not personally know about doesn’t make sense. I have a 780+ credit score & had debt as high as $160,000+. I tried to save money while paying debt using the avalanche method. You will get discouraged very quickly... and you will probably shop on credit to feel better. I paid off $20k in 2 years. I read a finance book by one of the well known financial gurus who recommends the snowball method. Paying off debts with the smallest balance has allowed me to pay off $50k in debt in 6 months! Savings for short term goals & long term goals can wait. Your priority should be to get out of debt & stay there (in my opinion).
I should have stopped reading when she mentioned participating in pyramid schemes like Cutco to make money. I worked for them about 18 years ago & I was my only customer. Great knives... no way to pay bills though.
When she said Whole Life Insurance was a way to accumulate wealth I knew this book was nothing but trouble. If I had the actual book in my hand I would have thrown it out from that point (I’m reading it on kindle).
When she said the neurologist making $300k could participate in Roth IRA contributions I was seriously confused. I thought $300k exceeds the income limits to participate in a Roth.
Her explanation of how our taxes are calculated was helpful and easy to understand, which is why I gave it 2 stars & not 1. People with average incomes can’t afford to save, contribute to retirement. & effectively pay off debt using the principles in this book. I would not recommend that anyone read it
I did a lot of the recommendations in this book about 10 years ago. I’ve been battling a vicious cycle of debt because of it. Trying to save money in multiple accounts while paying off debt without addressing why you have debt in the first place will only keep you in debt. You will never EVER get ahead this way.
I am speaking from experience. I don’t believe the author ever had debt, so trying to teach others how to get out of an experience that you do not personally know about doesn’t make sense. I have a 780+ credit score & had debt as high as $160,000+. I tried to save money while paying debt using the avalanche method. You will get discouraged very quickly... and you will probably shop on credit to feel better. I paid off $20k in 2 years. I read a finance book by one of the well known financial gurus who recommends the snowball method. Paying off debts with the smallest balance has allowed me to pay off $50k in debt in 6 months! Savings for short term goals & long term goals can wait. Your priority should be to get out of debt & stay there (in my opinion).
I should have stopped reading when she mentioned participating in pyramid schemes like Cutco to make money. I worked for them about 18 years ago & I was my only customer. Great knives... no way to pay bills though.
When she said Whole Life Insurance was a way to accumulate wealth I knew this book was nothing but trouble. If I had the actual book in my hand I would have thrown it out from that point (I’m reading it on kindle).
When she said the neurologist making $300k could participate in Roth IRA contributions I was seriously confused. I thought $300k exceeds the income limits to participate in a Roth.
Her explanation of how our taxes are calculated was helpful and easy to understand, which is why I gave it 2 stars & not 1. People with average incomes can’t afford to save, contribute to retirement. & effectively pay off debt using the principles in this book. I would not recommend that anyone read it
September 11, 2020
This is my all time favorite financial book. I actually enjoyed reading it!! Everyone (especially if you’re in your 20’s-30’) should read this regardless of your financial situation; there are truly multiple take-aways for all.
Things I love about the second addition of this book:
-Easy to understand and straight to the point- Love the new diagrams!
-Logical advice and specific steps to follow to get started and continue the journey.
-Not a one size fits all, “you need to do xyz”- she talks about different situations and ways to navigate to financial freedom!
-Funny and Relevant- other financial books I read were so painfully boring! Money Honey was the first financial book that I actually wanted to pick back up and finish!
-The Q&A section was one of my favorites- most of my questions were answered!
-It helped me rethink savings. I used to have one savings for everything but after reading the book I was able to implement the “buckets”, now when I need to pull out of my emergency bucket I don’t feel discouraged.
GO! Buy Money Honey- the second edition now!! And while you’re at it, pick up your copy of Passive Income Aggressive Retirement!
Things I love about the second addition of this book:
-Easy to understand and straight to the point- Love the new diagrams!
-Logical advice and specific steps to follow to get started and continue the journey.
-Not a one size fits all, “you need to do xyz”- she talks about different situations and ways to navigate to financial freedom!
-Funny and Relevant- other financial books I read were so painfully boring! Money Honey was the first financial book that I actually wanted to pick back up and finish!
-The Q&A section was one of my favorites- most of my questions were answered!
-It helped me rethink savings. I used to have one savings for everything but after reading the book I was able to implement the “buckets”, now when I need to pull out of my emergency bucket I don’t feel discouraged.
GO! Buy Money Honey- the second edition now!! And while you’re at it, pick up your copy of Passive Income Aggressive Retirement!
January 5, 2018
Loved this book! It is a high level look at finances and provides a solid plan to get yourself on track to save. I was an economics major in college, so I am knowledgable about most of the topics discussed in the book, but it was a great refresher. I found it to be a easy, quick read that is very motivational! Last night I outlined my goals and created a budget for the new year. Budgeting has always been tough for me because...clothes and happy hour. But I'm motivated to be more responsible and cognizant of where my money is going so I can reach some goals I've set for myself this year.
January 30, 2018
So easy to understand
This book was exactly what I needed! I have been fumbling through personal finance for as long as I can remember, knowing vaguely what I “should” do but without a framework of how to do it. Money Honey breaks it down in easy to understand, simple steps that can really make a difference. I have never been so excited to budget, save, and invest as I am right now. I can’t wait to give this book to my niece for her graduation to help her get a head start!
This book was exactly what I needed! I have been fumbling through personal finance for as long as I can remember, knowing vaguely what I “should” do but without a framework of how to do it. Money Honey breaks it down in easy to understand, simple steps that can really make a difference. I have never been so excited to budget, save, and invest as I am right now. I can’t wait to give this book to my niece for her graduation to help her get a head start!
April 28, 2018
Fun and V Informative!
I really liked some of Rachel’s financial concepts. I loved the part about stocks, multidão funds, Index Funds, and I finally know the different kinds and what would work best for me!
I will never understand why this kind of information is now taught to us in HS or college. This is something everyone should have an idea! I am glad I finally know it! Haha
It’s never too late!
I really liked some of Rachel’s financial concepts. I loved the part about stocks, multidão funds, Index Funds, and I finally know the different kinds and what would work best for me!
I will never understand why this kind of information is now taught to us in HS or college. This is something everyone should have an idea! I am glad I finally know it! Haha
It’s never too late!
September 17, 2017
A financial book that I actually enjoyed and learned a lot about invest and Stocks > Bonds. It was also nice to reiterate that I have been doing a lot of things correctly. Rachel inspired me to be a better planner, saver and investor! I know I am on the right track and he book will help me get even further #MoneyHoney
April 1, 2018
This book is so easy to understand, so fun to read and so much of a blessing! I am financially illiterate. Seriously. I’m so clueless when it comes to how to tackle finances. Thanks to Rachel’s book, I feel much more confident taking control of my own accounts and future! I highly recommend this book to anyone who needs direction, advice and support.
March 5, 2018
I'll be the first to admit I have limited financial savvy so I am excited to get started with Rachel's easy to follow 7-step plan. This was an easy to read (and fun!) guide and I feel more confident than ever in my ability to get my financial $hit together (:
March 6, 2018
Rachel does an awesome job of making financial education as a young person fun and simple! I love her spunk and how her personality shines through the pages! A MUST read for every 18-28 year old female!
December 4, 2017
Great advice and very easy read for the average millennial.
January 4, 2018
Clear and easy way to start learning about personal finance!
March 16, 2018
FINALLY a book for financial dummies that i actually understood and was inspired by
April 26, 2020
Great book on how to manage your money, understand debt and investment. It will clearly have an impact on me.
The style is super fun and I really enjoyed reading this book.
The style is super fun and I really enjoyed reading this book.
August 19, 2023
Helped me a lot to understand what to do now with my money. The earlier the better. Thats the key.
April 4, 2018
I read this book as a recommendation from the Girlboss newsletter. This book was pretty straightforward in its advice and I have picked up at lot of specific and actionable steps from it. I have been struggling with debt and savings for all of my life and I would like to change that. This book provided much needed information and motivation for it. Some chapters I skipped were those on Student Debt, Retirement, and Taxes since I am not based in the US and the advise in there are not applicable to me.
The negative thing I would like to point out is that this book reads like it was written by a millenial (the author might be one) and includes a lot of acronyms, hashtags, and the letter "s" written in dollar signs. Perhaps because the intended audience are millenials and the book should resonate with them, but I found it a bit too much and annoying. Overall, I'd recommend this book for reading if you are one who would like to keep his or her financials in check. Don't forget to download the free worksheet and do the exercises which are encouraged in the last chapter, before the advice column.
The negative thing I would like to point out is that this book reads like it was written by a millenial (the author might be one) and includes a lot of acronyms, hashtags, and the letter "s" written in dollar signs. Perhaps because the intended audience are millenials and the book should resonate with them, but I found it a bit too much and annoying. Overall, I'd recommend this book for reading if you are one who would like to keep his or her financials in check. Don't forget to download the free worksheet and do the exercises which are encouraged in the last chapter, before the advice column.
June 5, 2018
Thank you, Rachel Richards!
Managing finances can be intimidating, but the guidance provided by Rachel is not. In regards to budgeting and saving, Rachel herself asks, "how can you learn when there is no formal education in place?" This book is perfect for any coming-of-age individual to avoid debt all together, and be financially ahead and stable from the start. This should be required reading for every young woman (every young individual), and I know I will be passing it along to daughters (and sons) for their futures.
Speaking as a woman who could have used a book like this nearly 15 years ago--for anyone overcoming financial obstacles (ie: savings and debt), this book is a bright light at the end of the dark tunnel, and may serve as a much needed refresher or kick starter on the fundamentals of financial security.
Managing finances can be intimidating, but the guidance provided by Rachel is not. In regards to budgeting and saving, Rachel herself asks, "how can you learn when there is no formal education in place?" This book is perfect for any coming-of-age individual to avoid debt all together, and be financially ahead and stable from the start. This should be required reading for every young woman (every young individual), and I know I will be passing it along to daughters (and sons) for their futures.
Speaking as a woman who could have used a book like this nearly 15 years ago--for anyone overcoming financial obstacles (ie: savings and debt), this book is a bright light at the end of the dark tunnel, and may serve as a much needed refresher or kick starter on the fundamentals of financial security.
June 27, 2023
I listened to the audiobook for this one. The book is pretty basic in terms of financial literacy and advice. While sets the base for stronger financial health, it does not emphasise on complicated topics that may scare readers. I read this as a part of my growth plan for 2023 and I feel like it was a good place to start. The book focuses on seven basic steps to gaining financial freedom. It is a great book for beginners and establishes a strong base, towards gaining financial freedom and wealth management. While the book is informative, it is not enough to get your financial shit together as the book so clearly advertisers. It helps readers step into the field of personal finance, but it does not lead them to complete financial freedom.
December 18, 2018
I was looking to improve my financial literacy, and hopefully set financial goals beyond just "save money." This book was a casual but informative breakdown of basic personal finances, from budgeting to investing to buying a home. It's certainly not a deep dive into any one topic, but for anyone looking to get smarter with money, it's a great place to start. It has a casual, millennial-focused tone (that does sometimes come across as judgmental disguised as "tough love"), but take it all with a grain of salt and glean the well-explained financial lessons in this book.
May 14, 2018
This is the best book I've read about finances and getting it together. Ms. Richards' book is humorous yet direct and educational, making learning fun. This book is also easy to understand for non-financial types. I highly recommend this book. My only wish is that I had something like this in my arsenal 20 years ago.
May 12, 2018
Worthwhile for beginning financial journey
Great start on how to tackle debt while saving for your goals at the same time. I was hoping for more details about investing. I've already done some of the things she talks about, but it also gave me guidance on prioritizing and managing my assets and liabilities more effectively.
Great start on how to tackle debt while saving for your goals at the same time. I was hoping for more details about investing. I've already done some of the things she talks about, but it also gave me guidance on prioritizing and managing my assets and liabilities more effectively.
December 1, 2017
It's words
If recommend to finance noobs with debt aversion needs. This is a starting guide not a strategy guide. Well not a "do as I say because I am God and you will be freed from debt by unexplained magic and tequila."-tote guide. Good read though.
If recommend to finance noobs with debt aversion needs. This is a starting guide not a strategy guide. Well not a "do as I say because I am God and you will be freed from debt by unexplained magic and tequila."-tote guide. Good read though.
January 7, 2019
Disclaimer: I received a copy of this book for free via a Facebook group.
The tone and style of writing may resonate with some, but it didn’t work for me.
Some explanations were helpful.
The tone and style of writing may resonate with some, but it didn’t work for me.
Some explanations were helpful.
January 31, 2021
This book is really just for simplifying financial concepts and providing some advice (with included disclaimers). I thought it was good for what it was, it's geared towards people new to getting ahold of their finances. I'm usually quick to get a second opinion on financials so I went into this book just looking to see if it was able to simplify some of the boring things about finance which I thought it did a good job of (obviously that's a hugely broad topic so it's kind of the tip of the ice berg). I'm 27 and I thought it was pretty heavy on the millennial slang, after a while it made me not really take the author seriously because it seemed gratuitous but other than that it was pretty good.
June 12, 2021
Great Book for Financial Illiterates
This book was actually really quick, simple, and sets out some hard and fast rules. I’ve been investing aggressively for quite some time and I can honestly say that if I had gotten this boom two years ago it would have saved me a lot of headache. Lots of the concepts are simplified so that even the least financial literate and laziest people can follow along. I read this all in like 45 mins and she offers worksheets on her website to help you work through all the advice she gives. I’m going to gift this to all my younger family members.
This book was actually really quick, simple, and sets out some hard and fast rules. I’ve been investing aggressively for quite some time and I can honestly say that if I had gotten this boom two years ago it would have saved me a lot of headache. Lots of the concepts are simplified so that even the least financial literate and laziest people can follow along. I read this all in like 45 mins and she offers worksheets on her website to help you work through all the advice she gives. I’m going to gift this to all my younger family members.
September 7, 2020
Great introduction for those looking to get their financial life in order. I particularly loved the “TLDR” section at the beginning of each chapter because sometimes you want a quick summary and Rachel provides it. I probably knew 85% of the information that Rachel shared as I’ve been heavily invested in managing my finances, but you always learn something new and for those looking for a no BS and very entertaining understanding of how to get your house in order, this is it!
December 18, 2023
Solid concepts for an employee to live a decent financial life.
February 28, 2023
not too bad, not too good. 2,5/5.
August 29, 2020
Want to be financially literate? This book will teach you the dos and don'ts of how you can start your journey towards financial freedom now! You’ll learn so much about the fundamentals of personal finance and you’ll enjoy learning it! With an honest, authentic and practical approach, this book engages its readers with activities, forcing you to apply the knowledge being provided. It motivates you to start implementing your goals immediately!
July 10, 2018
This was a great book and one I would definitely recommend to anyone trying to get their finances in order. Graduation gifts, wedding gifts, etc. it would be helpful to anyone.
I loved Rachel's TL;DR style in her book. It made for a quick and easy to understand read. The first few chapters are on understanding debt and creating "buckets" to put your money into. If you've ever followed Dave Ramsey's baby steps or other recommendations on reducing debt, it's very similar. But if you haven't, this is an excellent primer!
The chapters I truly enjoyed were on taxes, insurance and investing in the stock market. I've done a bit of research specifically on investing, but always got so lost. She put it in such easy terms and wrote step by step what needs to be done. I definitely will consider it once we reach some of our other goals.
I loved Rachel's TL;DR style in her book. It made for a quick and easy to understand read. The first few chapters are on understanding debt and creating "buckets" to put your money into. If you've ever followed Dave Ramsey's baby steps or other recommendations on reducing debt, it's very similar. But if you haven't, this is an excellent primer!
The chapters I truly enjoyed were on taxes, insurance and investing in the stock market. I've done a bit of research specifically on investing, but always got so lost. She put it in such easy terms and wrote step by step what needs to be done. I definitely will consider it once we reach some of our other goals.
Displaying 1 - 30 of 179 reviews