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The One-Page Financial Plan: A Simple Way To Be Smart About Your Money

2017-02-23 
A simple, effective way to transform your finances and your life from leading financial advisor and
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The One-Page Financial Plan: A Simple Way To Be Smart About Your Money

A simple, effective way to transform your finances and your life from leading financial advisor and New York Times columnist Carl Richards

Creating a financial plan can seem overwhelming, but the best plans aren't long or complicated. A great plan has nothing to do with the details of how to save and invest your money and everything to do with why you're doing it in the first place. Knowing what's important to you, you will be able to make better decisions in any market conditions.

The One-Page Financial Plan will help you identify your values and goals. Carl Richard's simple steps will show you how to prioritize what you really want in life and figure out how to get there.

'In a world where financial advice is (often purposely) complicated and filled with jargon, Carl Richards distils what matters most into something that is easy and fun to read' Wall Street Journal

'Feeling tormented by your finances? Read this book. Now.The One-Page Financial Plan helps you identify what you truly want from life, get crystal clear about the financial position you are starting from today, and develop a simple, actionable plan to narrow the gap between the two' Manisha Thakor, CEO at MoneyZen Wealth Management

Carl Richards is a certified financial planner and a columnist for the New York Times, where his weekly Sketch Guy column has run every Monday for over five years. He is also a columnist for Morningstar magazine and a contributor to Yahoo Finance. His first book, The Behavior Gap, was very well received, and his weekly newsletter has readers around the world. Richards is a popular keynote speaker and is the director of investor education for the BAM ALLIANCE. You can find his work and sign up for his newsletter at behaviorgap.com.

A simple, effective way to transform your finances and your life from leading financial advisor and New York Times columnist Carl Richards

Creating a financial plan can seem overwhelming, but the best plans aren't long or complicated. A great plan has nothing to do with the details of how to save and invest your money and everything to do with why you're doing it in the first place. Knowing what's important to you, you will be able to make better decisions in any market conditions.

The One-Page Financial Plan will help you identify your values and goals. Carl Richard's simple steps will show you how to prioritize what you really want in life and figure out how to get there.

'In a world where financial advice is (often purposely) complicated and filled with jargon, Carl Richards distils what matters most into something that is easy and fun to read' Wall Street Journal

'Feeling tormented by your finances? Read this book. Now.The One-Page Financial Plan helps you identify what you truly want from life, get crystal clear about the financial position you are starting from today, and develop a simple, actionable plan to narrow the gap between the two' Manisha Thakor, CEO at MoneyZen Wealth Management

Carl Richards is a certified financial planner and a columnist for the New York Times, where his weekly Sketch Guy column has run every Monday for over five years. He is also a columnist for Morningstar magazine and a contributor to Yahoo Finance. His first book, The Behavior Gap, was very well received, and his weekly newsletter has readers around the world. Richards is a popular keynote speaker and is the director of investor education for the BAM ALLIANCE. You can find his work and sign up for his newsletter at behaviorgap.com.

网友对The One-Page Financial Plan: A Simple Way To Be Smart About Your Money的评论

Great Book--not just about personal finance but also about life! I think this is a great book for those of us who feel terror at the mention of budget or finance. Every time I tried to read a book about finance it just made me so uncomfortable that I could not get past the first chapter. For one thing, my financial situation is not typical--I will have no pension, nor will i receive social security--I am a lifetime contract worker. And, I only recently obtain some kind of financial stability after years of living on the fly. I only wish I had this book twenty years ago. This book presents finance in a very practical, accessible way. It is very useful. And, it is not just about your money issues--it really applies to life in general. He does not offer quick results, or some secret plan for success. Yet, what is really awesome about this book is that he offers some great useful advice that you can use every day. Additionally, this book relieved a lot of my stress about my future and about my financial situation. I was able to create a doable one page financial plan that was practical and real. Also, there is a chapter in this book that really changed how I viewed my life and career--I am not kidding--because he offers a very profound understanding about what real life is and how we can deal with our disappointments. Read chapter 2 because it really was the advice I needed to set me free from a lot of angst about my life choices. If you are a young person read this now--do not wait. If you are in midlife and was never able to get it together to come up with a strategy based on your life--not someone else's life issues--I always laugh when I watch some of those financial gurus on public television--none of them addressed my issue. The fact is, everyone is different--no two people in this economy have exactly the same situation. And, who can plan for a future really? You cannot do so. But, you can come up with a flexible plan that is doable. You may have to adjust your choices but frankly that is what life is about for all of us. Thus, I would give this book to anyone who had to answer the deep life issues regarding money and life questions.

I'll keep this book. I underlined a lot and made copious notes.

3-key takeaways:
1. Defining WHY money is important to you is the single biggest factor in a financial plan.
2. Having a written plan, even if it's on a napkin, makes a huge difference in achieving success. If not written down, you'll forget the plan and prevent people from asking you meaningful questions about the plan.
3. The silver lining to our financial mistakes ... which we ALL make ... is to leave a trail. A written timeline of what we did right and what we did wrong.

If you had told me I would benefit from a financial planning book written by a man who went bankrupt, I would have laughed in your face. But I did, and I'm grinning with enjoyment, not laughing at him.

I have admired Carl Richard's ability to illustrate financial principles simply and succinctly with his line drawings for a long time, so I was excited to hear of his new book, and even more excited when I was offered an opportunity to review a copy. I wondered if the book would be truly helpful for someone like me: not incredibly savvy financially, with a history of mistakes and regrets and not a lot of years left to make up for them. I have read (or attempted to read) other financial self-help books, but often ended up feeling like my situation was essentially hopeless.

Carl Richard's approach feels real, down-to-earth and doable. I spent a long time with his initial question, "Why is money important to you", and am still pondering that. Each chapter is a progressive step through clarification of values and goal setting, spending and saving, budgeting, investing and using a financial advisor. The line drawings sprinkled throughout the book illustrate and explain the concepts, and make them more memorable.

I believe this book would be of benefit to anyone who wants to be "be smart about their money." While many of the concepts in this book are explored by other authors of financial advice, this book stands out as a very clear and approachable take on the topic. If you read this you are not likely to be bored, intimidated or tempted to throw the book across the room in despair. For myself, though I received a hardcopy for review, I have since purchased a copy for my Kindle, so I can pass on the first copy as a gift.

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