Have you ever found yourself doing an internet search for questions about your money?
How many times have you asked Google™ how to pay off your debt? Or how much you should be saving? Or what about the best way to allocate your 401(k) or investments?
If you’re like the majority of those in their 20s-40s, the internet is probably managing your finances (and possibly raising your kids… not that I’d know anything about that though.
The fact is, you’re not alone in your endless search (or anxiety) around how to best manage your finances. There is a TON of information out there and it can be even more stressful trying to make the right decision and determine what’s best for you.
So why did I write Work Your Wealth and add more information into the mix?
When I launched Workable Wealth, my desire was to help people in their 20s, 30s and 40s across the country make smarter choices with their money (that’s you!). I was tired of my generation being ignored by the personal finance industry. I was put off by the outdated information touted by people my grandparents’ ages – and, frankly, I was 100% irritated with the media’s stance that our generation “didn’t want financial advice.”
I was lucky enough to actually major in money in college.
Not surprisingly, however, most people have other passions to pursue. I realized early on that there’s a huge disconnect between today’s education system and financial planning firms and the availability and accessibility of financial information and guidance for this age group. Translation: There is none.
After 12 years in the personal finance industry, one of the biggest things I’ve learned is that people need clear-cut guidance. It’s exhausting to sit through meetings full of fancy lingo or to spend hours digging through online articles trying to figure out where to start and which advice is the best advice or applies to your unique situation. The internet can only offer up so much information. Of the hundreds upon hundreds of conversations I’ve had with my peers and those looking to get on track financially, it all comes down to wanting and needing a set action plan of steps to take and a clue as to where to begin.
I wrote Work Your Wealth to provide just that. This book cuts through the crap, shares example upon example and lays out an organized plan of attack to leave you with clarity and confidence in your financial life. Each chapter closes with a list of detailed Money Moves you need to make to get started in each area and directs you on how to proceed. This book focuses on real, actionable, and specific steps you can take now and breaks it down so that your money stress and intimidation is left behind.
Work Your Wealth: 9 Steps to Making Smarter Choices With Your Money digs into the “how” behind each step and leaves you with easy-to-follow directions in applying each action to your life. At the end of each chapter, you’ll have completed a piece of your very own personal financial plan, leaving you that much closer to reaching your goals.
This Book is for You if You’re:
- Ready to figure out where your money is going and redirect it to the areas that matter most to you
- Willing to learn, do the work, and get a little uncomfortable
- Looking for clarity, confidence, and a plan around your money, but aren’t sure how to proceed
- In your 20s to 40s and are tired of feeling intimidated by fancy industry lingo, old men behind mahogany desks, and people making you feel like you need to have more money to deserve a plan to take care of it
- Experiencing any kind of life transition such as getting married, having children, changing jobs, moving cities, buying a new home, and more
- Looking to tackle your debt with a strategy to eliminate it
- Ready to start saving for your future – even with the smallest amount
- Wanting to invest and build your nest egg for retirement
This Book isn’t for You if You’re:
- Transitioning to retirement
- Looking for complicated Social Security distribution strategies
- In need of an in-depth analysis of historical stock market returns
- Not into having fun
- Looking for a quick fix for your finances and aren’t ready to be held accountable in getting your money organized
- Convinced you’ll “just figure it out” along the way
What You’ll Find in the Pages
One of the things I tell my clients is that along with crafting a financial plan and laying out the steps to get you launched on your personal money journey, I’m also going to be your coach and accountability partner. I’ll make it fun and friendly, but I’m also going to be direct. If you’re in financial trouble because of some bad decisions, lack of education, or whatever the reason, we’ll address the issue to ensure the course can be corrected going forward. From there, we’re going to move the heck on. There’s no room for dwelling in the past when it comes to money moves gone wrong.
Taking control of your finances can be fun and I strive to make it so, but you also need to be prepared to show up and put forth the effort. Trust me: This. Will. Be. Work. (hence the title). I’m not saying to shut down your schedule for the next six months, but if you’re not willing to devote a few hours or an afternoon to digging into your money situation, you’re likely not ready to take control of it.
I’m a big proponent of breaking down big steps into little steps, measuring progress and celebrating wins along the way. Work Your Wealth is laid out in such a way that each chapter addresses a bigger overall topic in your financial health ranging from kicking your FOMO (and your debt) to the curb, getting credit savvy, knowing what retirement plan is best for you, growing your income, and figuring out where your money should actually be going.
When it comes to money, it’s important to keep in mind that “wealth” means different things to different people. Whether it’s a life of balance between work and family, the ability to travel internationally each year, buying your first home, getting that raise, being debt-free or reaching “millionaire” status, this book will lay out the steps you need to take and consider in reaching your financial goals and more.
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