and over one million other books are available for Amazon Kindle. Learn more
Buy New
$10.96
Qty:1
  • List Price: $12.99
  • Save: $2.03 (16%)
FREE Shipping on orders over $35.
Only 4 left in stock (more on the way).
Ships from and sold by Amazon.com.
Gift-wrap available.
Add to Cart
Have one to sell?
Flip to back Flip to front
Listen Playing... Paused   You're listening to a sample of the Audible audio edition.
Learn more
See this image

What Everyone Should Know About Money Before They Enter THE REAL WORLD Paperback – December 15, 2009


See all 2 formats and editions Hide other formats and editions
Amazon Price New from Used from
Kindle
"Please retry"
Paperback
"Please retry"
$10.96
$10.96 $5.98

Frequently Bought Together

What Everyone Should Know About Money Before They Enter THE REAL WORLD + I Was Broke. Now I'm Not.
Price for both: $24.08

Buy the selected items together
  • I Was Broke. Now I'm Not. $13.12

Customers Who Bought This Item Also Bought

NO_CONTENT_IN_FEATURE
NO_CONTENT_IN_FEATURE

Product Details

  • Paperback: 87 pages
  • Publisher: NIN Publishing; First Edition edition (December 15, 2009)
  • Language: English
  • ISBN-10: 161623797X
  • ISBN-13: 978-1616237974
  • Product Dimensions: 8.2 x 5.3 x 0.3 inches
  • Shipping Weight: 5.6 ounces (View shipping rates and policies)
  • Average Customer Review: 5.0 out of 5 stars  See all reviews (14 customer reviews)
  • Amazon Best Sellers Rank: #962,899 in Books (See Top 100 in Books)

Editorial Reviews

Review

I cannot recommend highly enough that you not just read this book, but rather use it as a tool to assist you in building a financial foundation that will allow you to live in freedom no matter what the economy does. This book isn't just full of good ideas; but rather truths that, if applied, will transform the way you view finances and allow you to focus on the future with anticipation rather than regret. --- Perry Noble, Senior Pastor, NewSpring Church, Anderson, SC<br /><br />Joe has a true passion to help others win with money. This book is a must-read for everyone who wants to succeed with their money. I can only wish I had read it 30 years ago. --- Dean Herman, Senior Pastor, 5 Point Fellowship, Easley, SC<br /><br />This is the first book on personal finances that I have actually read from cover to cover. As I read it, three words came to mind ... Inspirational, Practical and Doable! Joe does a great job of putting the cookies on the bottom shelf. This book gives you not only the knowledge but also the next steps to win with your money! My only disappointment about the book is that it wasn't around for me to read when I was 18. Thanks to Joe Sangl and his resources my family was able to dig out of nine years of debt in only 18 months. This is a must read book regardless of whether you are 18 or 33. - --Jeff Kapusta, Lead Pastor, Lifepoint Church, Wilmington, NC

This is the first book on personal finances that I have actually read from cover to cover. As I read it, three words came to mind ... Inspirational, Practical and Doable! Joe does a great job of putting the cookies on the bottom shelf. This book gives you not only the knowledge but also the next steps to win with your money! My only disappointment about the book is that it wasn't around for me to read when I was 18. Thanks to Joe Sangl and his resources my family was able to dig out of nine years of debt in only 18 months. This is a must read book regardless of whether you are 18 or 33. --- Jeff Kapusta, Lead Pastor, Lifepoint Church, Wilmington, NC

Joe has a true passion to help others win with money. This book is a must-read for everyone who wants to succeed with their money. I can only wish I had read it 30 years ago. --- Dean Herman, Senior Pastor, 5 Point Fellowship, Easley, SC

About the Author

Joseph Sangl is the founder of I Was Broke. Now I m Not., an organization that is passionate about helping others accomplish far more than they ever thought possible. Joe obtained a BS degree in Mechanical Engineering from Purdue University in 1996 and an MBA from Clemson University in 2001. From 1996 to 2006, he worked in corporate America for two Fortunie 250 companies. During this time, Joe held engineering and management positions, but was feeling called to help others with their personal finances. In 2003 he began teaching personal finance courses and conducting one-on-one financial counseling. In September 2006 Joe fired himself from corporate America and embarked on a crusade to help others with their personal finances. Since that time, Joe has taught thousands of people through his Financial Freedom Experiences, Financial Learning Experiences, one-on-one financial counseling sessions, and personal finance messages. He has also been featured in Money Magazine (July 2008) and writes a weekly business column called Money Help . By purchasing What Everyone Should Know About Money Before They Enter THE REAL WORLD, you are helping the IWBNIN team accomplish their mission of teaching over 100,000 people by October 2011.

More About the Author

Joseph Sangl is a leading teacher of personal finances. It is his passion to help people accomplish far more than they ever thought possible with their personal finances. He believes when people are financially free, they are able to do exactly what they have been put on Earth to do - regardless of income potential.

He is the founder of I Was Broke. Now I'm Not., an organization that provides financial teaching through live events, print and web resources. He is also the President and CEO of INJOY Stewardship Solutions, a company that provides solutions that resource the vision of the local church.

Joe's personal finance story has been featured in Money Magazine, and he has been privileged to share his passion with hundreds of thousands of people throughout North America.

Customer Reviews

5.0 out of 5 stars
5 star
14
4 star
0
3 star
0
2 star
0
1 star
0
See all 14 customer reviews
Many young people's lives can and will change if they apply the principles of the book.
Tony L. Motes
Whether you are just getting ready to go out into the "real" world, or you have been out in the "real" world for along time this book is for you.
T. Carpenter
Discusses the importance of having a spending plan, how interest works (Against you and for you!), avoiding debt, and significance of savings.
EasyBreezySunflower

Most Helpful Customer Reviews

4 of 4 people found the following review helpful By Phillip Coxwell on February 4, 2010
Format: Paperback
Length: 1:52 Mins
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again
By Jan Scarbrough on April 29, 2012
Format: Paperback Verified Purchase
Very insightful. Should be read by everyone who will handle money; their own or anyone elses money! Thanks for the wise counsel!
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again
Format: Paperback
There were several things that I really liked about this book:

* It is short and concise. This could easily have expanded to 200+ pages with countless stories, but Sangl gets to the point and jam packs a ton into 88 pages cover to cover. It can easily be read in one sitting.
* It starts with his personal story. His story is compelling in its ordinariness. His story is not an uncommon story of ridiculous excess, but instead a story of common indulgence born out of ignorance. I think a lot of younger folks will see themselves in his journey.
* It explains complex issues using everyday language. For instance, rather than going into a long drawn out explanation of the what and how of budgeting, he talks about "planning your money," by spending your money on paper before it is spent for real. Even I've never thought of budgeting in that way.
* It is comprehensive in its scope. He covers all the pertinent subjects, such as giving, saving, debt, credit scores, compound interest, purchasing a home and insurance.
* It covers the impact of finances on relationships. This is often ignored by such work, where the focus is on the financial concepts, rather than the impact upon those around us. I thought this was a big value add.

There was only one thing that I didn't like in the book. Chapter One is called, "Plan for Life." In it, Sangl starts off with talking about the importance of understanding your own hopes and dreams and writing them down. He encourages the reader to stop and complete that exercise BEFORE continuing to read the rest of the book. Here's the problem, at least from my perspective. This would've ended up being another book from which my kids read only the first chapter.
Read more ›
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again
Format: Paperback
What I really enjoyed about reading this book was its direct, brief, straight-forward style. Very quick read at under 90pgs, gives you the basics. Perfect guide for a high-schooler or college student who is just getting started with managing money. Discusses the importance of having a spending plan, how interest works (Against you and for you!), avoiding debt, and significance of savings. I really liked that throughout the book he outlines each chapter with common headings, "What everyone should know...." And then whatever topic the following section is about - this makes for a very easy to follow book. The author also stresses the importance of giving and how money doesn't bring happiness, which sets this book apart from other popular money books on the market.
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again
Format: Paperback
Face it. You wish you would have known some basic financial stuff before you left the nest. This book offers practical, learned-the-tough-way information that will help keep the young adult (or older adult) in your life out of the trouble that plagues too many people. Joe Sangl's goal is to help people do what they were put on earth to do. Unfortunately, too many people get stuck with jobs they don't want because they have bills they don't want. Being financially free goes a long way to freedom in life. Excellent book!
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again
Format: Paperback
Like one of the other reviewers, I wish I had this book when I was in High School or College. I didn't make any huge and horrible financial mistakes, but I didn't do financial future any favors either. If I had applied just a few of the principles Joe outlines, my road to debt freedom would be shorter and my retirement more secure.

What I like most about the book is the simplicity. At only 88 pages (with wide margins no less), it is far shorter than most things people choose to read. Stating simple concepts using clear language will help students better understand what they are reading and will help prevent them from giving up. Also, the exercises and online tools that Joe references will help students apply what they've read. Even if you don't have kids or don't work with kids, I still recommend that you pick this book up because the principles apply to all of us.
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again
Format: Paperback
What Everyone Should Know About Money before they enter the real world. It it a long name for a short but good book.

First, this is an easy read and when it comes to a financial book that is always a good thing. Too often people's eyes glaze over just thinking about reading financial information, add to that the fact that it is even tougher for this A.D.D, cliff note generation.

People want the quick facts and what Joseph has done here is offer an easy to understand and "real" view into what lies ahead for many people.

It is probably safe to say that most people are not truly ready for dealing with money in the real world. For many people it is about the now. What can we have now, we will worry about the effect later and that is where most people get in trouble.

I really liked how Joseph started things off with the concept of what are your dreams. I think that is a great way to get people to realize that "later" is important and it takes planning now to reach those dreams.

Budgeting is always a "bad" word to most people and again Joseph makes it very easy to understand and make a reality. The concept of a budget still takes self control and determination but he offers downloads from his website to go along with his concepts to help people take those important first steps.

It is obvious that Joseph has a passion to help people stay out of debt and it is coming from a regular guy who has been broke and worked his way out of it. Where better to learn than from someone that has been through the tough times and has the experience to share.

Each chapter deals with very real concepts including savings, giving (tithing), debt traps, how credit scores work, how debt can affect relationships and more.
Read more ›
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again

Customer Images

Search

What Other Items Do Customers Buy After Viewing This Item?