Beyond Paycheck to Paycheck: A Conversation About Income, Wealth, and the Steps in Between (Total Candor) [Hardcover]

Michael B. Rubin (Author)

Book Description

Publication Date: June 29, 2007

CareerBuilder.com describes Beyond Paycheck to Paycheck as easy to read and funny, neither of which are commonly used to describe a finance book.

Questions About Money? Let's Talk.

Like the rare teacher who can make a dry subject come alive, Beyond Paycheck to Paycheck (now in its fifth printing) presents a conversation between the author and you, a time-starved yet curious reader with an occasional interruption from a commission-obsessed salesman. Don't let the easy reading style fool you. Beyond Paycheck to Paycheck is also your trusted reference as you confidently journey down the path from income to wealth. With honesty, humor, and a touch of sarcasm, Beyond Paycheck to Paycheck will motivate and empower you with the tools necessary to not only survive, but also thrive, on the very income you earn today.

Named by CareerBuilder as a top book for your career!Best Book Award Finalist!

Eric Hoffer Award Finalist!

Table of Contents
Chapter 1. The Basics: Tell Your Money to Go to Work
Chapter 2. Don t Be Cheap, Be Fiscally Responsible
Chapter 3. Debt Sucks (Your Money Away)
Chapter 4. Taxes on Your Taxes Are Taxing (Yet Real)
Chapter 5. Use Protection: Insurance
Chapter 6. Take Advantage of Your Benefits(or You re Being Kind of Dumb)
Chapter 7. Ira Roth Is Not Your Congressman Do-It-Yourself Retirement Planning
Chapter 8. Maximize Your (Investing) Performance
Chapter 9. Death Happens: Estate Planning
Chapter 10. Take This Book and Use It!
Amazingly Comprehensive Glossary of (Mostly) Important Terms

Reader Testimonials

Paul Masi, Event Technology

It's true! I am no longer living to paycheck to paycheck thanks to the insight gained from reading Beyond Paycheck to Paycheck! I am much more aware of how I spend money but more importantly, how I save it. Nothing is more satisfying than watching my money grow. This book really changed my life!

Debby Slocum, Compensation Professional
In one month, I've already been able to invest in mutual funds, increase my 401(k), cut down bad debt and work on getting term life insurance set up all at a minimal 'net' impact to me. I would not have felt empowered to do all this without learning the principles in Beyond Paycheck to Paycheck. It has completely changed my life and outlook on saving and finances.Beyond Paycheck to Paycheck is amazing. I would recommend it to anyone.

Expert Endorsements

Arthur F. von der Linden, Jr., CFP, Founder and Principal, Wingate Financial Group, Inc.
The most straightforward financial planning book you'll find. Understandable by the financially clueless yet extremely beneficial to those who have already begun. Unique conversational format. Unbelievable glossary!

B. Joseph Pine II, co-author, The Experience Economy: Work Is Theatre & Every Business a Stage
I wish I could've read Beyond Paycheck to Paycheck when I was first starting out. But I can't wait to share Michael Rubin's wisdom with my daughters as soon as they join the workforce themselves. If you have any doubts whether this concise, cogent, and compelling book is for you (or your children), just read the preface. Now.

Generation X Finance blog:
If there is a book that highlights the importance of financial planning at any age, and makes it accessible to those who may not have many resources to plan with, this is it.

Editorial Reviews

About the Author

Michael B. Rubin is a Certified Public Accountant (CPA) and a Certified Financial Planner (CFP) professional, but don t let that scare you. As a quick scan of Beyond Paycheck to Paycheck will show you, learning about personal finance doesn t have to be scary, hard, or boring. In addition to his experience providing sophisticated financial advice to affluent clients, Michael has been a key source of information for more than 15 years to countless others. He speaks passionately about and provides guidance on virtually all personal financial planning topics.

As a true expert gifted in simplifying money matters, Michael is the guide to Retirement Planning at About.com which, as a New York Times company, is one of the web's leading producers of original content. In addition, he also writes the popular Beyond Paycheck to Paycheck blog. Michael has appeared in various media, including Fox News Chicago, radio stations across the country, and national media such as CNN Money.com, latimes.com, The Wall Street Journal, SmartMoney.com, Chicago Tribune, Financial Advisor Magazine, and Investment News.

Product Details

• Hardcover: 288 pages
• Publisher: Wachtel & Martin; 1st edition (June 29, 2007)
• Language: English
• ISBN-10: 0978792785
• ISBN-13: 978-0978792787
• Product Dimensions: 9.1 x 5.9 x 1.1 inches
• Shipping Weight: 1.2 pounds
• Average Customer Review: 4.9 out of 5 stars  See all reviews (23 customer reviews)
• Amazon Best Sellers Rank: #1,069,100 in Books (See Top 100 in Books)

More About the Author

Michael B. Rubin is a Certified Public Accountant (CPA) and a CERTIFIED FINANCIAL PLANNER(tm) professional. In addition to his experience providing sophisticated financial advice to affluent clients, Michael has been a key source of information for over a decade to countless others. He speaks passionately about and provides guidance on virtually all personal financial planning topics.

As a true expert gifted in simplifying money matters, Michael is the Guide to Retirement Planning at About.com, a New York Times company and one of the web's leading producers of original content. In addition to contributing at financial web sites such as mint.com, FiLife, and LifeTuner, Michael also writes the Beyond Paycheck to Paycheck blog.

Michael has appeared in various media, including Fox News Chicago, radio stations across the country, and national media including CNN Money.com, latimes.com, The Wall Street Journal, SmartMoney.com, Chicago Tribune, Financial Advisor Magazine, Women's Health, and Investment News.

Prior to founding Total Candor LLC, Michael worked in the personal financial services practices of two of the former "Big Six" accounting firms. Subsequently working for several years as a new venture executive for Toys "R" Us, Inc., he made sure that he never actually grew up. He holds an undergraduate business degree from the Ross School of Business at the University of Michigan and an MBA from the Kellogg School of Management at Northwestern University. Michael lives in Portsmouth, New Hampshire with his wife and two daughters.

Customer Reviews

Most Helpful Customer Reviews

15 of 15 people found the following review helpful:

5.0 out of 5 stars An Entertaining And Recommended Read, July 30, 2007

By 

Wendi P. Smith - See all my reviews
(REAL NAME)   

This review is from: Beyond Paycheck to Paycheck: A Conversation About Income, Wealth, and the Steps in Between (Total Candor) (Hardcover)

I found this book to be very easy to read and yet still understand the complex financial issues we all deal with on a day to day basis. Unlike many boring and dry personal finance books this was much more entertaining and felt like a conversation with a trusted friend. I wish I had this book 15 years ago, it still amazes me that this subject is not covered in high school or even college! I gave my copy to my nephew who just graduated from college and he loved it! A recommended read for anyone interested in learning what to do with their income and build wealth while avoiding some traps along the way.

12 of 12 people found the following review helpful:

5.0 out of 5 stars "A Must Read" for anyone just starting out....., July 21, 2007

By 

Karen McCloskey - See all my reviews
(REAL NAME)   

This review is from: Beyond Paycheck to Paycheck: A Conversation About Income, Wealth, and the Steps in Between (Total Candor) (Hardcover)

As a financial advisor I think this book is invaluable for young people starting out or someone who is faced with learning about finances for the first time later in life.

This is very straight forward and easy to understand because the author doesn't attempt to muddy the water with too much information. This should be required reading for all 18 year old children. The book is written with humor and is written with a young person in mind. Our high schools don't have the capacity to teach our children the basics of building a financial foundation for their future.

Michael Rubin does a masterful job of teaching the basics and giving the reader everything they need to know to build a life of financial security!

11 of 11 people found the following review helpful:

5.0 out of 5 stars I was expecting a lecture or sales pitch ..............but received some wisdom instead, August 19, 2007

By 

G. Frieder (Silver Spring, Maryland) - See all my reviews
(REAL NAME)   

This review is from: Beyond Paycheck to Paycheck: A Conversation About Income, Wealth, and the Steps in Between (Total Candor) (Hardcover)

Beyond Paycheck to Paycheck provided invaluable lessons on basic financial topics that everyone assumes you know, but in reality may not. What's even better, this fun, well-organized, informative book is told from the perspective of someone concerned with helping you help yourself, NOT from someone trying to sell you something -- which had previously been my experience. Mr. Rubin's insights and easy to implement strategies will put financial novices on a much surer financial footing, and will empower them to make the choices necessary to create wealth -- not forcing them to rely on people interested in selling them something. A great read that had me laughing and learning throughout.