Read Get a Financial Life: Personal Finance In Your Twenties and Thirties by Beth Kobliner Online


NEW AND REVISED 2017 EDITION NOW AVAILABLE.“A daring book….A life’s worth of smart financial advice.” —NewsweekThe bestselling book that The New York Times hailed as “a highly readable and substantial guide to the grown-up realms of money and business,” Get a Financial Life is a must-read for anyone in their twenties and thirties (or beyond) who wants to understand the basNEW AND REVISED 2017 EDITION NOW AVAILABLE.“A daring book….A life’s worth of smart financial advice.” —NewsweekThe bestselling book that The New York Times hailed as “a highly readable and substantial guide to the grown-up realms of money and business,” Get a Financial Life is a must-read for anyone in their twenties and thirties (or beyond) who wants to understand the basics of personal finance.If you’ve been meaning to get your finances in shape but have no idea where to start, this is your playbook. Get a Financial Life busts open the system, teaching tricks for becoming master of your own money universe. No matter what’s happening in the economy, all the guidance you need is right here. You’ll learn how to:-Pay off your credit cards and student loans and live debt free -Start saving, even if you’re living paycheck to paycheck -Take advantage of the latest tax rules and save a bundle -Find smart investments while still supporting socially responsible companies -Come up with a down payment and buy a home, even in a tough economy -Afford grad school -Protect yourself from identity theftAnd you’ll discover why a 401(k) is your best friend—in boom times and even if the market is tanking.From tracking your spending to finding deals on insurance to navigating the new world of homebuying, this easy-to-understand, comprehensive guide provides an up-to-date road map of the world of personal finance. Whether you earn $30,000 or $300,000, are single or married, are drowning in debt or just looking for ways to keep your savings secure in uncertain times, you’ll find the answers you need in Get a Financial Life....

Title : Get a Financial Life: Personal Finance In Your Twenties and Thirties
Author :
Rating :
ISBN : 9780743264365
Format Type : Paperback
Number of Pages : 352 Pages
Status : Available For Download
Last checked : 21 Minutes ago!

Get a Financial Life: Personal Finance In Your Twenties and Thirties Reviews

  • Sheri
    2019-04-20 15:51

    A comprehensive, easy to read guide to personal finance. Practical advice on managing your money and avoiding costly mistakes. Although marketed to younger adults, I highly recommend this book to anyone seeking to understand money matters and make smarter financial decisions.

  • Sabine
    2019-04-15 22:58

    A very helpful guide written for young people - the younger you are when you read AND IMPLEMENT these financial strategies the easier and better. It covers all the basics for a good start to handle your personal finances but even if you are reading this later in life it is great advice to turn things around and get control over your debt and how to save and invest.Easy to read and understand - a must read for every young person. The sooner the better!!!

  • Charles
    2019-04-22 18:02

    This book covers a lot of ground in just the right level of detail for someone starting to care about where his or her money is going, like a recently married thirty something guy. The first chapter is about getting an overview of your financial situation. Where are you now and where do you want to be? Chapter two is about debt, three about banking, four about investing. There's an obvious sequence there: get a handle on your situation, pay down your debt, build up some savings, then start investing. Subsequent chapters are about buying a house, buying insurance and filing taxes.Here's some solid advice:-If your employer offers 401k employee contribution matching, max that out before you invest anywhere else.-Low fee indexed mutual funds are the way to go for anyone looking for reliable investment returns. Sure, you could pick the stocks yourself, and you might do well, but even the pros working managed mutual funds don't perform as well over time as a good low fee indexed mutual fund.-Something about IRAs... those are good because they're allowed to grow tax-free.-Figure out your marginal tax rate. That knowledge will help you decide where to put your money and when.Possibly the best piece of advice in this book is one everybody should already know: don't carry credit card debt. Just don't do it. About the only thing worse than credit card debt is a pay day loan. Avoid those too.It's not much for plot, but it sure has a lot of actionable information whether you're on the verge of bankruptcy or comfortably debt free and bringing in a nice salary. I recommend it.

  • Rose
    2019-04-22 20:54

    Quick review for a quick read. I think this is another very helpful resource for literature centering on personal finances and money management. This fourth edition of "Get A Financial Life: Personal Finance in Your Twenties and Thirties" cover a lot of ground - from navigating credit scores, credit card and various types of loans to investing in stocks and bonds, finding a bank institution that works for you, and addressing claims during tax filing. I found the work to be well organized, easy to flip through to get to the information I needed (so you could skip through the different sections if you needed to find what you wanted - in my case, I went from looking at credit to looking at savings, building an IRA, and options for buying a home since those are things I'm researching specifically.) I originally checked this out as a library read, but I'm definitely making this book a part of my personal library. The terminology is well-defined, and the narrative gives very helpful tips and scenarios/examples pertinent to each topic. I was able to draw quite a bit of information in this read and would recommend it.Overall score: 4/5 stars.

  • John Lee
    2019-04-12 15:57

    A no-nonsense guide to the very basics of personal finance, written for people who know nothing about it. I'm not sure people in their thirties would get that much out of it, but for someone like me who's about to graduate college and go off into the real world, it had some really great advice. Regardless of whether you want to follow Kobliner's exact recommendations or not, her overviews of the individual topics (investing, insurance, taxes, budgeting, etc.) are very clear and well-written, and provide a great jumping-off point for you to do your own research. While some topics were rather useless for me at the moment (buying a home, for instance), most of the book had some great advice. I now feel like I know a lot more about a bunch of different personal finance topics, and for the topics I don't know too much about, this book has taught me where to look as well as what the salient parts of them are. I found it very helpful to take notes and jot down the most important points for future reference; I'm sure I'll be looking at that list quite a bit in the near future.

  • Anita
    2019-04-10 18:06

    This book assumes its reader knows essentially nothing - nada - squadoosh - about finance, and manages to do so without assuming a condescending tone. And I like that. It actually made me feel like, hey, I already know some of this stuff. I am not a complete personal finance moron. (Hardly.) To me, the most helpful information was on the topics of investing, car loans and renting vs. owning, but Kobliner covers several other areas as well.

  • Colona Public Library
    2019-03-27 22:45

    I've been reading a lot about personal finance recently and I really like this book. It covers all of the basics and this guide is really easy to understand and give you practical and good advise. I would highly recommend to people who are new to learning about personal finance, I'm probably going to pick this book up again to reread some sections (like investing and taxes). ~Ashley

  • Andy
    2019-03-25 18:04

    I first gave this a rating of 4 stars, but I have recently re-read portions of it, and decided to raise this to 5 stars. Actually, I feel very fortunate that I read this when I did, which was just dumb luck (I think I bought it at an airport bookstore when I was traveling once shortly after college, and bought it on a whim).It's not that it's the best personal finance book ever written; there may be others that are as good or better. It's not that it is incredibly detailed; it just covers basic topics. However, it is comprehensive, and after reading this in my early twenties, it has enabled me to make smart financial decisions ever since.Here are some of the important points that it covers:* Which documents to throw away, and which to keep (and for how long).* Why you should save, and why you should pay off high interest rate debt.* What's the difference between stocks, bonds, and money markets.* Why you should start saving for retirement as soon as you can.* Why you should invest in mutual funds with the lowest fees (hint: compounding interest).* Why index mutual funds outperform most actively managed funds (hint: low fees).* What types of insurance you need, and what you don't.* What to look for when getting a mortgage for a first house.None of that is unique, but it's something every 20-something needs to know.

  • Samantha Zee
    2019-04-06 17:02

    I'm torn between giving this a 4 and a 5, but I'll round up because I think EVERYONE SHOULD READ THIS. Get A Financial Life is literally the textbook-that-reads-more-like-spark-notes to getting your finances in order as a young adult. Firstly, this book was released years ago, but just released an updated 2017 version so everything is 100% accurate (tho technically you can put $18500 into your 401k for 2018, up $500 from last year when this was released, but that's easily forgivable).The first chapter is pretty much "I Need Help and I Need It Now" and it gives you a brief summary of everything in the book. Both so you can understand some of the steps this book can help you with and also get information to those people who don't have time to read, quickly. I'll admit, this book can be a bit dry, but it's finance, it's hard to make it super interesting, especially if you aren't in the best place financially and would rather make minimum payments and call it a day. BUT this book doesn't use extra words or try to make this more complicated than it needs to be. It breaks down common vocabulary words, the steps you need to take, how to take those steps, and it's unbiased in all the options it provides. The sections are clearly marked and you can skim or just head to the portions that apply to where you are at. There are tons of graphs and charts with examples so you can see how some of the topics covered would actually play out. Every chapter closes with an FAQ section (that's actually helpful) and a "financial cramming" page that sums up what was in the chapter. At the end of the book there is a ton of resources for "additional reading" if any of the chapters really grabbed ahold of your interest.Some of the major topics it covers is Debt (student loans, car loans, credit card debt, etc), Renting vs Buying - and how to do both (there's a ton of stuff on mortgages too, which I wish I read sooner), Insurance (car, life, health), and Investing (401k, IRAs, Bonds/Mutual Funds/Index Funds, etc etc). There's a few other chapters in there that are also helpful (even one on Military Benefits which doesn't apply to me, but I've literally never seen that in a general finance book before), but these are the big dogs that people in their 20-30s probably are dealing with. I'm already past a few of these milestones, but I wish I read this 5 or 6 years ago, because I was a little late to the personal finance game. GIFT THIS TO ALL YOUR COLLEGE GRADUATES. But also maybe include some money, cause they read a lot in college already - give them some incentive, but also this book.

  • Sierra
    2019-04-16 20:48

    This book was very informative and contained a lot of useful information. I definitely learned a lot. For example, it is better for someone my age (mid-twenties) to have disability insurance than life insurance. I had previously been thinking about purchasing a life insurance policy but after reading this book, I will instead look into disability insurance. Also, when the time comes, it will be better to have a life insurance policy for either my husband or I (whoever has the higher salary), rather than both of us. Previously, I believed we should look into life insurance for both of us, but it really isn't necessary at this stage in our lives and careers.I also learned more about the hidden costs of purchasing a home and what a huge undertaking it is. I currently rent, and after reading this book, I anticipate continuing to rent for a long time. I have often heard people say, and believed it myself, that renting is simply throwing money away but now I no longer believe that to be the case. Owning a home is a very serious commitment and undertaking. After you pay all of the fees to close on the sale of a house, you have to pay to maintain it and pay property taxes, which can be quite costly. As of right now, if there is an issue with my apartment, I call my landlord and let them handle it. If someday my husband and I decide we would like more space, we will look into renting a house. After reading the chapter on mortgages, I am extremely cautious about buying a house. I am surprised at how lightly some people seem to take home-buying and the stigma that surrounds those who choose to rent. The only thing I did not like about this book was that the information was a bit dated. Though I picked up the revised and updated version, I believe this book was originally published in 1996, when the economy was still booming. Some of the author's advice seems more appropriate for individuals coming of age in the pre-recession economy. Since the Great Recession, I believe that there has been a huge shift in how Millennials live and view the world. I feel that Millienials are shifting away from the more luxurious lifestyles our older counterparts aspire to and are happier with less. This book didn't discuss frugality or frugal living at all, which I think is going to become an essential way of life as the world continues to change. It mostly emphasized investments, which I think is great information, but perhaps information better suited to an older crowd. Though I personally invest in a SIMPLE IRA through my employer, I do not need to know a whole lot about investing right now. The author also doesn't give a lot of advice. She seems to be saying, "Here are the facts and the information you need to make a decision" but doesn't get much into advice.Overall, I believe this is an essential read for young people. It gives young people a bigger picture, and provides a ton of information on topics that can seem boring or intimidating. I think the information laid out in this book is crucial for Millenials to understand, and I honestly wonder how many of us actually put in the time to truly know and understand our finances and how we should be planning for the future.

  • Zoe
    2019-04-04 17:49

    Practical knowledge explained in a simple, but not annoyingly simple, way. Helpful chapters on insurance and taxes, which other finance books I've read haven't covered.

  • Isaac
    2019-04-11 17:59

    Beth Kobliner's book is a great introduction to the most important financial topics that young people need to be considering as they move toward independence. For many young people, the importance of saving for retirement, or buying a house, or buying insurance is not immediately obvious, and Kobliner does a good job at introducing each of these topics without assuming any existing knowledge on the part of the reader. She also is very practical in her advice. The first chapter is basically the cliff notes version of the entire book for the "tl;dr" crowd, and she is not above recommending certain companies over others in (for example) the mutual funds chapter. The edition I read was about a decade old, so much of the contact info was probably incorrect (phone numbers and mailing addresses... those were the days), but this has likely been updated in the latest edition. Most of the advice is very relevant, as though the contact info has changed, the American financial world is largely the same. Several people over the years have recommended this book to me as a primer for basic financial literacy, and now that I've read it, I will likely in turn recommend it to my own friends who may be just moving out into the world in search of a Financial Life.

  • Josie
    2019-04-14 00:12

    No, no, no. I made it halfway through and then literally threw this book away (and I consider books to be semi-sacred). The advice in this book was severely outdated. I think it was last updated in 2000, although the edition I was reading was printed in 2007. Clearly terrible timing. The book spends a great deal of time explaining ATMs and how to balance your checkbook. Literally, a checkbook. Most places won't even take a check now. And then the advise on different sorts of savings accounts is also clearly outdated, as the most recommended kind is little used these days. The advise on home buying is based on easy-to-get loans, because, you know, the home market is booming. Poor book. Perhaps it was useful at one point, and maybe it recovered itself in the 2009 edition, but this one should not be in circulation anymore. It is outdated in the extreme.

  • Marissa V.
    2019-03-23 20:54

    This book was everything that I had been looking for. I graduated from law school in 2015, and since then, I have been looking for someone/something to help me figure out how to manage my finances. I didn't understand how much money should go to loans vs. my savings account, and I wasn't sure what investments I should be making and how to prioritize all of my financial goals. This books lays it out in a very easy to read and follow way. The author addresses each section as it pertains to a variety of income levels. I would highly recommend you read this if you're trying to get control of your financial life. Also, make sure you pick up the edition released in 2017. The author updated it recently, and this version includes links to a lot of helpful online material.

  • Kara
    2019-04-06 00:08

    The tricky thing with trying to get up to speed on personal finances is that you don't know what you don't know: Without some kind of pre- existing financial knowledge, it's hard to determine what you should research further. This book helps remedy the situation, as Kobliner gives a brief overview of financial topics you should know in your 20s and 30s.I don't see this book as a comprehensive, turnkey guide, but rather a broad survey that will help you figure out where you need to do some deeper research independently. Because of the broad subject matter, some sections (and even whole chapters) may be remedial or simply not applicable to certain readers; for example, the chapter on military financial concerns was totally irrelevant to me personally.Unlike many other popular financial guides, which are written by personality cult "experts" using the book to sell their other products, Kobliner keeps things objective and to the point. In fact, this book can be a little heavy on the dry tone and hypothetical calculations, and it can be hard to get through the longer chapters in one sitting due to the sheer amount of information she crams in. But I much prefer that to the breathy tone and fluffy content of other popular finance guides.I would definitely recommend this book to any young people trying to get a handle on their finances, and it makes a great graduation gift. I'll likely buy a cheap copy for myself so I can use it to jog my memory on topics to look into. However, I will end this review by saying that you should get your hands on the most recent edition of this book possible — I read the 2017 version, and even that wasn't 100% up-to-date because of the tax bill that passed so recently.

  • Lydia Wednesday
    2019-03-30 17:15

    This book was super informative. If you're in your late twenties and early thirties (like me), this covers everything you wanted to know about personal finance that is comprehensive and easy to understand. This book is also super depressing. Yes, Kobliner gives you hope and the tools to change your future but still, it's pretty depressing if you are in your late twenties and early thirties (like me) and haven't done enough for retirement. I was stressed out most of the time I was reading this book. However, it did light a fire under my ass to take control of my life and readjust incorporating some of her suggestions.I suggest this book to anyone between the ages of 25 to 35 and wants a better grasp on their finances. I warn you now, you will be depressed but once you move on to acceptance, you'll see her advice is sound. Side note, there are HUNDREDS of acknowledgements in the back. It's bonkers.

  • Vrinda
    2019-04-12 22:45

    Well, probably like most people, I don’t really like thinking about or reading about money because it usually feels stressful, or boring, or abstract. But I figured it’s important, and this was a very useful and read-able book which I’m glad to have read. Chapters included insurance, renting/buying a home, retirement, banking, taxes, etc. I got a better understanding of how some things work, and useful tips on things like avoiding credit fraud and saving for retirement. It’s a useful format with summaries, etc. It’s organized in such a way that you can read it all the way through (which is what I did) or just the relevant chapters. Recommended for anyone who wants to feel more in control of their financial life.

  • Christina A
    2019-04-13 21:48

    In general had some very good advice. I'm fortunate enough that my parents taught me most of it before reading the book!But I did really enjoy the sections on investing, home buying, and on taxes. Those were the most useful to me.

  • Ben
    2019-03-28 23:08

    Really good overview of pretty much everything needed to live as an adult. Helpful for me now, as a 32 year old with a mortgage, kids, etc. Would have been extremely helpful had I read it 10 years ago.

  • Ging Cee
    2019-04-23 17:57

    I appreciated this book for its tone, informativeness, and practical advice. As an avid fan and reader of Suze Orman books in the past, I did feel like there was less “new” information presented here. That said, it is also updated with useful modern references and resources. If there is someone in their 20s or 30s who is in possession of any sort of debt and/or does not have much by way of understanding the basics of personal finance, I would 100% recommend this to them.What I ended up doing is skimming the book and focusing on the areas or sections that would be relevant for me. I wish there were an updated book like this for folks in their 30s/40s who are (hopefully!) out of the financial “crisis” period of drowning in credit card/student loan debt and looking for guidance on how to balance longer term financial and lifestyle goals.

  • Scott Panitz
    2019-03-30 00:05

    Straightforward and concise explanation of everything a young person should know to maximize their personal financial situation, whether you’re still a student, struggling to pay loans and debt, or have been working for years. The nitty-gritty details are supplemented with sober advice, clear examples, and all of the info is backed by research and links to further resources. Kobliner writes in everyday prose and with a sense among humor that makes a book on such a typically dry topic highly digestible. I would recommend this book to anyone looking to get a grasp on their finances.

  • Kristen Northrup
    2019-04-12 22:14

    Read per the recommendation of several friends. Somehow missed the existence of a newer version and got the 1996 edition from the library. I doubt the actual advice has changed much, however. The specifics of taxes, interest rates, etc have always been in flux. There would just be websites instead of 800-numbers. I really liked how this covered a wider range of financial advice than a lot of these books do, like a whole chapter on insurance. It wasn't just savings and credit and investing. There were no rants about the evils of taxation (although she still tells you to maximize your deductions) and you're told that sometimes it's actually better to rent. I already know a lot of this, but I'm almost 40. It's solid advice for younger people. Although somehow the book did keep making me drowsy, so it took many sessions to finish. And this subject matter usually doesn't do that to me. Maybe she did need to rant a little more.

  • Bonnie
    2019-04-04 20:57

    I loved this book! It is a fantastic book for starting out families, or singles, in their 20's and 30's. It gives a simple, comprehensive overview of many financial areas. You can get a basic understanding without getting into all the complicated finance stuff. The format is simple as well, one chapter on each topic. There is a chapter on investing, homebuying, loans, taxes, retirement savings, you name it - it's in there! My only bone with this book is that it is an old edition. This edition was published in 2000 so the information is a little out-dated. There is a newer edition that is either already out or is coming out soon, I would recommend reading (and buying!) that one. I will be keeping this one and referring back to it often!

  • Allison
    2019-04-19 15:50

    Straight-forward and approachable, I found Kobliner's book to be much less intimidating than the "required reading" posed by my well-meaning father. I read the 2009 publication, and as it's targeted at a novice such as myself, most of it still seems very relevant and up-to-date. In her section about healthcare, though, I had to smile at her observation (from 2009) that while there's "huge political will to make sure everyone has coverage, [...] don't hold your breath[] it could take several years for universal health care to become a reality." To her credit, as we are now in the initial throes the Affordable Healthcare Act, I still found her explanation of different types of healthcare very informative.

  • Meghan
    2019-03-31 22:58

    This book might not be totally right for everyone, but having been financially oblivious for a large part of my life, it was perfect for me. It's totally approachable, and despite it clearly being about the basics, I learned a lot of things that I probably should have figured out years ago. I'm thrilled to have this book as resource as I continue getting smarter about money.

  • Liz De Coster
    2019-04-08 17:52

    A solid, basic introduction to personal finance issues for recent entrants to the working world. Beth Kobliner addresses major topics, such as buying a car or a house, and retirement savings. I bookmarked a lot for later reference!

  • Michael
    2019-04-16 20:08

    Good, solid advice on the major financial issues that young people have to deal with. Following Kobliner's guidance will anyone a solid financial foundation.

  • Leah
    2019-04-02 19:09

    I read the prior edition to this book so the information I was presented with isn't entirely relevant to today's economic climate. That being said, there was some information that I can apply that I didn't think much about before, such as the different types of insurances and investing accounts.However, the book seems to be written with the assumption that the reader is going to have even a small amount of cash to put away. I'm in my mid twenties with a low paying job and because of this I have a hard time even thinking about investing or purchasing a home. I thought about my life critically and I noticed that most of what I could take away from the book was covered in the first two chapters. The rest of the material was informative but I don't feel as if I took away anything profound. This book is probably best for people who are completely new to the idea of personal financing. I had to take a class in high school that covered most of the book's contents and since then, I've used the Internet to find ways to improve my finances.Once again, this review applies to the older edition. The new edition probably will cover certain areas such as health insurance differently, or maybe cater towards the "new" twenty and thirty" year old demographic.

  • Dylan Powell
    2019-03-26 19:13

    This is a fantastic first read for somebody on the verge of leaving college or grad school, with no idea of how real world finances work. It starts from the assumption that you know nothing, but without sounding condescending at all. Kobliner explains topics in a great deal of depth for a first read, and the book is information-packed for such a short read, yet it never seemed dry. Perhaps most importantly, as I have looked to other sources to learn more, the advice in this book was echoed by multiple other sources, which gives me further confidence in its recommendations. I will certainly be going back to this book many times in the next few years.

  • Patti Pitts
    2019-04-23 18:01

    This book covers the basics of personal money management with more detail than The Index Card. But the advice is the same. Financial terms are better explained. But this can make some of the reading laborious. The book is well organized and allows for selective reading, so one can skip around to what is most relevant for them. The first chapter is a summary of the book, and each chapter includes a summary. I learned a few new things, but in general it reaffirmed the financial principles I have lived by. I read it primarily to verify it as a good recommendation for my millennial children. It reaffirmed that the money advice I had been giving them for years was spot on.