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Kicking Financial Ass*

Surprisingly Helpful Book

I think it is unfortunate when an author or a publisher believes that they have to oversell a book. This book is a victim of just such a stratagem. This is actually quite a detailed, well-thought-out, and well-written book about how to get your financial house in order. So I have issues with the title, subtitle, and book blurb. The title suggests a humorous or edgy approach, and the subtitle—as it begins with a rather strange directive—supports this theory as well. The book blurb makes you think that it is going to be more about retiring early or entrepreneurship. While the book does address the former, that isn’t really the main thrust of the book. The book is really about getting your financial house in order and aligning what you do financially with your own personal values so that you can live a better present and future.

This book is meant for millennials, but I believe that most people could find benefit from it even if everything doesn’t apply to you, because of your age group or for any reason. The book is broadly divided into four parts: foundations, growth, investing, and living your life. The first part begins with getting your money mindset correct by considering your approach two money. This part moves on to take a look at where your money is going and looking at your savings. Then he looks into having an emergency fund before diving into debts. In the growth section, he discusses a salary negotiation and having a side hustle. In the investing section, he looks at index funds, retirement accounts, and real estate. The final two chapters that make up part four step more into the mindset perspective, looking at purpose in retirement and happiness with your financial goals.

This book is chock full of ideas and things for you to think about in your approach to your finances both now and in the future. The author freely admits that most of these ideas are not his own. He does have an MBA and is a certified financial analyst, but he also states that he has gathered information from various places online. Honestly, there is much that will help people here, both in mindset and in practicalities. It will get you thinking about what you do with your money now, what you want to do with it in the future, and why you want (or shouldn’t want) to do all these things. If you want financial freedom now and years from now, I would recommend reading this book—whether you are a millennial or not.