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The deeply personal story of how award-winning personal finance blogger Elizabeth Willard Thames abandoned a successful career in the city and embraced frugality to create a more meaningful, purpose-driven life, and retire to a homestead in the Vermont woods at age thirty-two with her husband and daughter.

In 2014, Elizabeth and Nate Thames were conventional 9-5 young urban professionals. But the couple had a dream to become modern-day homesteaders in rural Vermont. Determined to retire as early as possible in order to start living each day—as opposed to wishing time away working for the weekends—they enacted a plan to save an enormous amount of money: well over seventy percent of their joint take home pay. Dubbing themselves the Frugalwoods, Elizabeth began documenting their unconventional frugality and the resulting wholesale lifestyle transformation on their eponymous blog.

In less than three years, Elizabeth and Nate reached their goal. Today, they are financially independent and living out their dream on a sixty-six-acre homestead in the woods of rural Vermont with their young daughter. While frugality makes their lifestyle possible, it’s also what brings them peace and genuine happiness. They don’t stress out about impressing people with their material possessions, buying the latest gadgets, or keeping up with any Joneses. In the process, Elizabeth discovered the self-confidence and liberation that stems from disavowing our culture’s promise that we can buy our way to "the good life." Elizabeth unlocked the freedom of a life no longer beholden to the clarion call to consume ever-more products at ever-higher sums.

Meet the Frugalwoods is the intriguing story of how Elizabeth and Nate realized that the mainstream path wasn’t for them, crafted a lifestyle of sustainable frugality, and reached financial independence at age thirty-two. While not everyone wants to live in the woods, or quit their jobs, many of us want to have more control over our time and money and lead more meaningful, simplified lives. Following their advice, you too can live your best life.

NOW COMPLETELY UPDATED to reflect the changes in tax legislation, health insurance, and the new investment realities. In this “highly valuable resource” (Publishers Weekly, starred review) Quinn “provides simple, straightforward” (The New York Times) solutions to the universal retirement dilemma—how to make your limited savings last for life—covering mortgages, social security, income investing, annuities, and more!

Will you run out of money in your older age? That’s the biggest worry for people newly retired or planning to retire. Fortunately, you don’t have to plan in the dark. Jane Bryant Quinn tells you how to squeeze a higher income from all your assets—including your social security account (get every dollar you’re entitled to), a pension (discover whether a lump sum or a lifetime monthly income will pay you more), your home equity (sell, rent, or take a reverse mortgage?), savings (how to use them safely to raise your monthly income), retirement accounts (invest the money for growth in ways that let you sleep at night), and—critically—how much of your savings you can afford to spend every year without running out. There are easy ways to figure all this out. Who knew?

Quinn also shows you how to evaluate your real risks. If you stick with super-safe investment choices, your money might not last and your lifestyle might erode. The same might be true if you rely on traditional income investments. Quinn rethinks the meaning of “income investing,” by combining reliable cash flow during the early years of your retirement with low-risk growth investments, to provide extra money for your later years. Odds are, you’ll live longer than you might imagine, meaning that your savings will stretch for many more years than you might have planned for. With the help of this book, you can turn those retirement funds into a “homemade” paycheck that will last for life.
Learn how to live the life you want, not just the life you can afford in this highly engaging, step-by-step guide to winning at personal finance!

Managing your money is like going to the dentist or standing in line at the DMV. Nobody wants to do it, but at some point, it's inevitable: you need to clean your teeth, renew your license, and manage your personal finances like a grown-up. Whether you're struggling to pay off student loan debt, ready to stop living paycheck to paycheck, or have finally accepted that your Beanie Baby collection will never pay off, tackling your finances may seem immensely intimidating. But it doesn't have to be. In fact, by approaching it as a game--or something that requires you to set clear goals, as well as face challenges you must "beat"--personal finance can not only be easy to understand, but it can also be fun!

In Get Money, personal finance expert Kristin Wong shows you the exact steps to getting more money in your pocket without letting it rule your life. Through a series of challenges designed to boost your personal finance I.Q., interviews with other leading financial experts, and exercises tailored to help you achieve even your biggest goals, you'll learn valuable skills such as:

Building a budget that (gasp) actually works Super-charging a debt payoff plan How to strategically hack your credit score Negotiating like a shark (or at least a piranha) Side-hustling to speed up your money goals Starting a lazy investment portfolio...and many more!
Simply put, with this gamified guide to personal finance, you'll no longer stress about understanding how your finances work--you'll finally "get" money.
You’re smart. So don’t be dumb about money. Pinpoint your biggest money blind spots and take control of your finances with these tools from CBS News Business Analyst and host of the nationally syndicated radio show Jill on Money, Jill Schlesinger.

Do you have a “friend” who is super smart, has a great career, holds a graduate degree, has even saved a chunk of money for retirement, but who keeps making the same dumb mistakes when it comes to money? Is this “friend” you?

After decades working as a Wall Street trader, investment adviser, and money expert for CBS, Jill Schlesinger reveals thirteen costly mistakes you’re probably making right now with your money without even knowing it. Drawing on heartfelt personal stories (yes, money experts screw up, too), Schlesinger argues that it’s not lack of smarts that causes even the brightest, most accomplished people among us to behave like financial dumb-asses, but simple emotional blind spots. So if you’ve made well-intentioned mistakes like saving for college for your kids before you’ve saved for your own retirement, or taken on too much risk when you invest, you’ve come to the right place. And if you’ve avoided uncomfortable moments such as sitting down to draft a will or planning long-term care for an aging parent, this is the book for you. 

By breaking bad habits and following Schlesinger’s pragmatic and accessible rules for managing your finances, you can save tens, even hundreds, of thousands of dollars, not to mention avoid countless sleepless nights.

Practical, no-nonsense, and often counterintuitive, The Dumb Things Smart People Do with Their Money tells you what you really need to hear about retirement, college financing, insurance, real estate, and more. It might just be the smartest investment you make all year.

Advance praise for The Dumb Things Smart People Do with Their Money

“Common sense is not always common, especially when it comes to managing your money. Consider Jill Schlesinger’s book your guide to all the things you should know about money but were never taught. After reading it, you’ll be smarter, wiser, and maybe even wealthier.”—Chris Guillebeau, author of Side Hustle and The $100 Startup

“A must-read, whether you’re digging yourself out of a financial hole or stacking up savings for the future, The Dumb Things Smart People Do with Their Money is a personal finance gold mine loaded with smart financial nuggets delivered in Schlesinger’s straight-talking, judgment-free style.”—Beth Kobliner, author of Make Your Kid a Money Genius (Even If You’re Not) and Get a Financial Life
Do you know your Number? What happens if you don't make it to your Number? Do you have a plan? The Number is no ordinary finance book—it offers an intriguing and entertaining tour of weath gurus, life coaches, and financial advisers, and our hopes and fears for the future. The result is a provocative field guide to your psyche and finances and an urgently useful book for anyone over thirty.

The often-avoided, anxiety-riddled discussion about financial planning for a secure and fulfilling future has been given a new starting point in The Number by Lee Eisenberg. The buzz of professionals and financial industry insiders everywhere, the Number represents the amount of money and resources people will need to enjoy the active life they desire, especially post-career. Backed by imaginative reporting and insights, Eisenberg urges people to assume control and responsibility for their standard of living, and take greater aim on their long-term aspirations.

From Wall Street to Main Street USA, the Number means different things to different people. It is constantly fluctuating in people’s minds and bank accounts. To some, the Number symbolizes freedom, validation of career success, the ticket to luxurious indulgences and spiritual exploration; to others, it represents the bewildering and nonsensical nightmare of an impoverished existence creeping up on them in their old age, a seemingly hopeless inevitability that they would rather simply ignore than confront. People are highly private and closed-mouthed when it comes to discussing their Numbers, or lack thereof, for fear they might either reveal too much or display ineptitude.

In The Number, Eisenberg describes this secret anxiety as the “Last Taboo,” a conundrum snared in confusing financial lingo. He sorts through the fancy jargon and translates the Number into commonsense advice that resonates just as easily with the aging gods and goddesses of corporate boardrooms as it does with ordinary people who are beginning to realize that retirement is now just a couple of decades away. Believing that the Number is as much about self-worth as it is net worth, Eisenberg strives to help readers better understand and more efficiently manage all aspects of their life, money, and pursuit of happiness.
“A cheerful manifesto on removing obstacles between yourself and the income of your dreams.” —New York Magazine

From the #1 New York Times bestselling author of You Are a Badass®, a life-changing guide to making the kind of money you’ve only ever dreamed of—an excellent holiday gift

You Are a Badass at Making Money will launch you past the fears and stumbling blocks that have kept financial success beyond your reach. Drawing on her own transformation—over just a few years—from a woman living in a converted garage with tumbleweeds blowing through her bank account to a woman who travels the world in style, Jen Sincero channels the inimitable sass and practicality that made You Are a Badass an indomitable bestseller. She combines hilarious personal essays with bite-size, aha concepts that unlock earning potential and get real results.
 
Learn to:

   • Uncover what's holding you back from making money
   • Give your doubts, fears, and excuses the heave-ho
   • Relate to money in a new (and lucrative) way
   • Shake up the cocktail of creation
   • Tap into your natural ability to grow rich
   • Shape your reality—stop playing victim to circumstance
   • Get as wealthy as you wanna be

“This book truly crystallizes the concept that financial abundance is an inside job—in that it all begins with your mindset—and Sincero gets serious (in the funniest ways possible) about helping you identify your particular limiting beliefs surrounding money.” —PopSugar
A practical plan for the millions of people in their fifties and sixties who find themselves out of work, unable to find a job, and financially incapable of retiring, Elizabeth White shows how to get past any blame or shame, overcome denial, and find a path to a new normal.

Elizabeth White has an impressive resume, which includes advanced degrees from Harvard and Johns Hopkins and a distinguished employment history. She started a business that failed and then tried to re-enter the work force in her mid-fifties, only to learn that there is little demand for workers her age. For a while Elizabeth lived in denial, but then had to adjust to her new reality, shedding the gym membership, getting a roommate, forgoing restaurant meals, and so on. She soon learned she wasn’t alone: there are millions of Americans in her predicament and worse, exhausted from trying to survive and overcome every day.

In 55, Underemployed, and Faking Normal, Elizabeth invites you to look beyond your immediate circumstances to what is possible in the new normal of financial insecurity. You’re in your fifties and sixties, and may have saved nothing or not nearly enough to retire. It’s too late for blame or shame—and it wouldn’t help anyway. What you want to know is what you can do now to have a shot at a decent retirement.

“This relevant and well-researched book will appeal not only to those 55 plus, but to the generation coming right behind them who may face similar issues” (Booklist, starred review). 55, Underemployed, and Faking Normal is a must-have for anyone whose income has suddenly diminished or even disappeared. “Providing practical solutions with a focus on retirement and maximizing savings, White maintains authority with a realistic, empathetic tone throughout. This deeply useful work will resonate with aging readers of all income levels and situations” (Publishers Weekly). If you’re ready to get serious about feeling good again, this book is for you.
Financial security begins with a conversation . . .

And that’s why Carrie Schwab-Pomerantz has teamed up with her father, internationally respected investing pioneer and bestselling author Charles R. Schwab, to produce this excellent family financial primer. This book will help investors succeed whether the stock market is going up or down, both in the present and in the long term. Throughout the book, the authors stress the importance of having regular and effective conversations about money—with a spouse or partner, young children and teenagers, and aging parents—and offer the perfect roadmap for starting and continuing those conversations, including:

• understanding the basics: stocks, bonds, and mutual funds
• building wealth over time, understanding your tolerance for risk, and developing and maintaining the right investment portfolio
• investing for your children’s future and for your secure retirement
• estate planning for you and your older parents
• preparing for life’s unexpected events

“A practical book for men and women, young and old ...It’s smartly written, earnest without being preachy, and offers down-to-earth advice on how to forge productive conversations about money between spouses and partners, parents and children, and adult children and aging parents.”—Chicago Tribune

“Most families don’t talk about money. Personal finance ranks with sex and drugs as one of the least-discussed topics and one fraught with emotional baggage....Bottom line: You have to fend for yourself when it comes to money, and the way to do that is to talk about it with parents, spouses, and children....We all have to take care of ourselves financially. This book is a good place to start.”—USA Today
Brand new for 2018: A fully revised edition of one of the most influential books ever written on personal finance with more than a million copies sold
 
“The best book on money. Period.” –Grant Sabatier, founder of “Millennial Money,” on CNBC Make It

"This is a wonderful book. It can really change your life." -Oprah
 
For more than twenty-five years, Your Money or Your Life has been considered the go-to book for taking back your life by changing your relationship with money. Hundreds of thousands of people have followed this nine-step program, learning to live more deliberately and meaningfully with Vicki Robin’s guidance. This fully revised and updated edition with a foreword by "the Frugal Guru" (New Yorker) Mr. Money Mustache is the ultimate makeover of this bestselling classic, ensuring that its time-tested wisdom applies to people of all ages and covers modern topics like investing in index funds, managing revenue streams like side hustles and freelancing, tracking your finances online, and having difficult conversations about money.
 
Whether you’re just beginning your financial life or heading towards retirement, this book will show you how to: 
 
• Get out of debt and develop savings
• Save money through mindfulness and good habits, rather than strict budgeting
• Declutter your life and live well for less
• Invest your savings and begin creating wealth
• Save the planet while saving money
• …and so much more!

"The seminal guide to the new morality of personal money management." -Los Angeles Times

*Includes a Bonus PDF with charts and graphs
Create the retirement you desire with proven financial strategies The New Rules of Retirement throws away the rules of thumb, cliches, and obsolete ideas. It provides a proven, updated approach to retiring successfully in today's world. In this new second edition based on independent, objective research, retirement expert Robert C. Carlson uses proven, profitable techniques to coordinate all the factors that lead to financial security and independence. You'll learn how much you really need to save for retirement, how to invest that nest egg before and during retirement, and how to establish a wise and sustainable spending strategy. Carlson will explain how to overcome the threats to lifetime financial security, such as longer life expectancy, low investment returns, higher taxes, and more. Importantly, you'll learn how to plan for the wildcards of retirement planning: health care and long-term care expenses. This edition covers changes in key areas such as annuities, IRA management, estate planning, and income taxes. You'll learn how to merge these insights into your plan to enhance financial security and to provide for loved ones in the future. Retirement no longer means being put out to pasture. Today's retirees are traveling the world, attending classes, developing new skills, starting businesses, mastering neglected hobbies, and more-well into their golden years. This guide helps ensure you have the financial independence to pursue the retirement you want through smart planning and effective financial strategies. Know and overcome the threats to retiree financial security Learn the right way to estimate retirement spending Develop a sustainable spending strategy Invest your nest egg to make it last Plan for potential long-term health care Leave a legacy for loved ones The retirement is now a new phase of life, not a winding down. It's a time to live your best life and do things you couldn't before. But all the financial aspects of retirement have changed. To maintain financial security and create the retirement you desire, you need to be on top of the changes. The New Rules of Retirement provides the latest, proven strategies that help put the shine in your golden years.
How much more secure would your retirement be with an extra $100,000 or more? What would you do if you could retire three years earlier? What would you do in retirement with an extra $7,000 per year? While it may seem too good to be true, you can achieve these retirement goals, if you learn how to put the expenses of your retirement plan-whether it is a 401(k), 457, or 403(b)-in your pocket. Believe it or not, your retirement plan is probably costing you too much. And unless you're willing to take action now, you'll ultimately have less money in retirement or be forced to work years longer to accumulate the funds you'll need. In Stop the Retirement Rip-off, author David Loeper outlines a practical five-step approach to understanding your organization's retirement plan and overcoming its potential inefficiencies. Step 1 will help you figure out what you're really paying in retirement plan expenses andthe price of those expenses on your quality of life Step 2 shows how you can highlight the problem of excess retirement plan expenses toyour employer in a positive and proactive manner Step 3 explores how fellow associates and coworkers can join in your request to get your employer to resolve the problem Step 4 discusses what to do next if an employer ignores your attempt to make themaware of excess retirement plan expenses Step 5 addresses how to make the most of your money, and your life, after fixing yourretirement plan Don't miss the opportunity to improve your life. Stop the Retirement Rip-off offers sensible strategies for making the most of your retirement funds and will put you back in control ofyour financial future.
After interviewing fifty of the world’s greatest financial minds and penning the #1 New York Times bestseller Money: Master the Game, Tony Robbins returns with a step-by-step playbook, taking you on a journey to transform your financial life and accelerate your path to financial freedom. No matter your salary, your stage of life, or when you started, this book will provide the tools to help you achieve your financial goals more rapidly than you ever thought possible.

Robbins, who has coached more than fifty million people from 100 countries, is the world’s #1 life and business strategist. In this book, he teams up with Peter Mallouk, the only man in history to be ranked the #1 financial advisor in the US for three consecutive years by Barron’s. Together they reveal how to become unshakeable—someone who can not only maintain true peace of mind in a world of immense uncertainty, economic volatility, and unprecedented change, but who can profit from the fear that immobilizes so many.

In these pages, through plain English and inspiring stories, you’ll discover…

-How to put together a simple, actionable plan that will deliver true financial freedom.
-Strategies from the world’s top investors on how to protect yourself and your family and maximize profit from the inevitable crashes and corrections to come.
-How a few simple steps can add a decade or more of additional retirement income by discovering what your 401(k) provider doesn’t want you to know.
-The core four principles that most of the world’s greatest financial minds utilize so that you can maximize upside and minimize downside.
-The fastest way to put money back in your pocket: uncover the hidden fees and half truths of Wall Street—how the biggest firms keep you overpaying for underperformance.
-Master the mindset of true wealth and experience the fulfillment you deserve today.
They say that 50 is the new 40. If you're over 50, chances are you feel more vital, energetic, and passionate than ever. While you may be ready to retire, you may not be ready to stop working entirely. These days, life after work no longer conjures up images of couples wandering the malls, playing golf, and taking endless Caribbean cruises. As baby boomers reach their 50s and 60s, they are redefining what it means to retire. What they want is joy, vitality, and meaning in their lives. The truth is that this is not your parents' version of retirement, and just because you may have stopped working doesn't mean you have to stop living life to the fullest. You may want to choose a completely different career path or pursue a whole new interest. Author David Borchard has been helping adults rejuvenate their careers and lives for 30 years. In The Joy of Retirement, he shows you how to reinvent yourself and achieve the kind of fulfillment and meaning you have always dreamed of in your life. Now, you can start crafting your future and discovering your passions with advice on topics such as: • Finding new interests that make the most of your unique talents • Planning your lifestyle at 50+ • Assessing what transitions you are ready and willing to make • Defining priorities and goals • Establishing your criteria for success • Mastering the seven steps to maintaining vitality Revealing and hopeful, this is the audio book that shows you that life after work can be fulfilling, fun, and exhilarating.
David Bach has a plan to help you live and finish rich—no matter where you start

So you feel like you’ve started late?

You are not alone.

What if I told you that right now as you flip through this book, 70% of the people in the store with you are living paycheck to paycheck?

What if I told you that the man browsing the aisle to your left owes more than $8,000 in credit card debt? And the woman on your right has less than $1,000 in savings?

See? You’re really not alone.

Unfortunately, the vast majority of people who’ve saved too little and borrowed too much will never catch up financially. Why? Because they don’t know how.

You can start late and finish rich—but you need a plan.

This book contains the plan. It’s inspiring, easy to follow, and is based on proven financial principles. Building a secure financial future for yourself isn’t something you can do overnight. It will take time and it will take work. But you can do it.

I know. I’ve helped millions of people get their financial lives together—and I can help you. Spend a few hours with me—and let me challenge you. Give me a chance to become your coach.

Just because you started late doesn’t mean you are doomed to an uncertain future. Whether you’re in your thirties, forties, fifties, or beyond, there is still time to turn things around. It’s never too late to live and finish rich. All it takes is the decision to start.


—David Bach

Is it too late for me to get rich?

Over and over, people share their fears with David Bach, America’s leading money coach and the number-one national best-selling author of The Automatic Millionaire. “If only I had started saving when I was younger!” they say. “Is there any hope for me?”

There IS hope, and help is here at last!

In Start Late, Finish Rich, David Bach takes the “Finish Rich” wisdom that has already helped millions of people and tailors it specifically to all of us who forgot to save, procrastinated, or got sidetracked by life’s unexpected challenges.

Whether you are in your thirties, forties, fifties, or even older, Bach shows that you really can start late and still live and finish rich – and you can get your plan in place fast. In a motivating, swift read you learn how to ramp up the road to financial security with the principles of spend less, save more, make more – and most important, LIVE MORE. And he gives you the time tested plan to do it.

The Start Late, Finish Rich promise is bold and clear:

Even if you are buried in debt – there is still hope.

You can get rich in real estate – by starting small.

Find your “Latte Factor” – and turbo charge it to save money you didn’t know you had.

You can start a business on the side – while you keep your old job and continue earning a paycheck.

You can spend less, save more and make more – and it doesn’t have to hurt.

David Bach gives you step-by-step instructions, worksheets, phone numbers and website addresses --everything you need to put your Start Late plan into place right away. And he shares the stories of ordinary Americans who have turned their lives around, at thirty, forty, fifty, even sixty years of age, and are now financially free. They did it, and now it’s your turn. With David Bach at your side, it’s never too late to change your financial destiny. It’s never too late to live your dreams. It’s never too late to be free.
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