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Financially Fearless: The LearnVest Program for Taking Control of Your Money Hardcover – December 31, 2013

4.4 out of 5 stars 70 customer reviews

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Q&A with Alexa Von Tobel

Q. Why is talking openly about money so important to you?

A. There’s so much we can learn from one another! Think about everything you share with friends and family when it comes to other kinds of advice. We have no problem talking about relationships or career or health, but money is such a taboo.

When I was graduating from college, headed to a job on Wall Street, I realized there was so much more I wanted (and needed) to learn about personal finance. Once I opened up about this to friends, I found that we were all in the same boat. There’s something very reassuring and motivating about the fact that we’re all in this together. With Financially Fearless, I’m excited to blow the lid off this money taboo and start a real dialogue.

Q. In addition to running Learnvest you are also a Certified Financial Planner yourself. What financial topics do people ask you about the most?

A. I think the root of the questions I receive boil down to this: If I have an extra dollar, where should it go? How do I prioritize my next dollar with so many competing goals? How do I maximize my money?

Our wallets are pulled in countless different directions, so I believe it’s important to have a financial plan in place.

Q. How does your approach differ from that of other financial planners?

A. Money can be so complicated and full of unnecessary jargon. My approach centers on making all of this information accessible and consumable. Financially Fearless is an opportunity to learn the basics, but more importantly, to start figuring out how to take action in your life.

Q. You talk in the book about how a full 30% of your income should go to lifestyle and how you choose to spend it is up to you - how do you like to spend your 30%?

A. Yes, I’m a big believer in the 50/20/30 budgeting method. Once you’ve taken care of your Essentials (50% of your take-home pay) and your Future (20% of your take-home pay), the remaining 30% is yours to enjoy. Personally, the things that I value highly include gifts for others, travel, exercise—and fresh flowers (which are relatively inexpensive given the happiness they provide me!).

Q. How can people envision a better retirement?

A. Retirement goals can be daunting for many people. But instead of being paralyzed by that number, you need to set a plan into motion so you can chip away at the goal and start funneling savings into retirement accounts asap.

One of the exercises in Financially Fearless involves envisioning yourself at age 65+. Imagining the day-to-day life you want for yourself in your retirement years helps you recognize that the money you’re depriving yourself of today can have a big impact down the line.

Q. What encouragement would you give to someone starting to pay off their debt and feeling overwhelmed?

A. Take it one day at a time! I always say there are two things in life incredibly easy to gain and hard to lose: extra weight and credit card debt. As with all goals, break it down into smaller steps. The first step I recommend is putting a freeze on your credit card spending. Once you’ve hit pause on additional debt accruing, you can focus on getting your existing debt down to zero.

Q. Living in a big city like New York or San Francisco can get really expensive. How can people living in expensive cities still stay on budget?

A. Living in an expensive city can be a challenge, but it’s all the more important to stay on budget when that’s the case. Typically, housing costs are the biggest drains on budgets in expensive cities (as a New Yorker, I understand this 100%), so it’s important to minimize that cost as much as possible.

Analyze your current spending and then see what adjustments you can make. Track every dollar you spend to hold yourself accountable.

Q. The story of how you founded Learnvest is like a dream come true for many young entrepreneurs. Was it always your dream?

A. Entrepreneurship is in my blood—I come from a family of them. As soon as I realized what an entrepreneur was, it seemed like the perfect place to channel all of my energy!

My idea for LearnVest perfectly merged my desires to grow a business and to make a positive impact in the world. LearnVest was such a big dream that I dropped out of Harvard Business School in the heart of the recession to pursue it full-time.

Q. If you could give one piece of advice to an aspiring entrepreneur, what would it be?

A. When everyone zigs, zag. Leaving business school during the recession may have been a crazy move, but turning away from the tide can have big pay-offs. It can be OK to take risks (with a business plan and a strategy in hand!)—you just have to make sure that it’s a calculated risk.

Q. Who is your financial inspiration?

A. Through LearnVest, I’ve encountered so many mentors with inspiring financial stories. Personally, the most valuable advice I’ve encountered is to invest my time in getting the big financial decisions, like proper insurance and a good investment strategy, right—not to spend my hours obsessing over ways to cut small costs. Curveballs will come. It’s essential to make sure you’re doing as much as possible to protect yourself.

Review

“Financial planning just got more accessible.” — Wall Street Journal

 
“Personal finance guru Suze Orman has some competition -- and it comes in the petite, tech-savvy package of von Tobel.” - Fortune


"Geared to help the financially complacent and those who need a push to face their finances...[Financially Fearless] delivers sound suggestions in an easy-to-digest package."
-Success Magazine

"Controlling your personal finances means controlling your destiny -- and being able to build your own entrepreneurial life. In Financially Fearless, Von Tobel shows you how to get the books of your own financial life in order - so you can live boldly, autonomously, entrepreneurially”
- Reid Hoffman, co-founder and chairman of LinkedIn and author of The Start-up of You
 
"Von Tobel believes that financial planning shouldn't a luxury. She has the ability to share spot-on advice with people across the country and give everyone the ability to join the movement."
-Tony Hsieh, NY Times bestselling author of "delivering Happiness" and CEO of Zappos.com, Inc.


"If you’re the type of person who’d never be caught dead buying a book on personal finance, pick this up right now. As fearless as the name suggests, von Tobel is a fresh face of a new generation.
- Cathie Black, Former Chairman of Hearst Magazines

"Von Tobel's mission to help Americans become Financially Fearless is so important. She's so on point with the information and empowerment people need where their finances are concerned."
-Nate Berkus, author of Home Rules
 
"What I love about this book is how von Tobel guides you, clearly and honestly, to improve your finances while still living your richest, most satisfying life. Getting in financial shape doesn’t have to be painful—Financially Fearless proves that, once and for all."
-Gail Simmons, author of Talking With My Mouth Full

"Financially Fearless is incredibly readable, and more importantly, actionable. Von Tobel is a refreshing and genuine financial guru.”
- Cynthia Rowley
 
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Product Details

  • Hardcover: 336 pages
  • Publisher: Crown Business; F First Edition edition (December 31, 2013)
  • Language: English
  • ISBN-10: 0385347618
  • ISBN-13: 978-0385347617
  • Product Dimensions: 6.5 x 1.2 x 9.4 inches
  • Shipping Weight: 1.5 pounds (View shipping rates and policies)
  • Average Customer Review: 4.4 out of 5 stars  See all reviews (70 customer reviews)
  • Amazon Best Sellers Rank: #21,385 in Books (See Top 100 in Books)

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Top Customer Reviews

Format: Hardcover Verified Purchase
To those who give it less than 3 stars: Really? This book contains more guidelines with regard to personal finance than most people get in their lifetime! The format was meant to be simplistic for those who didn't get degrees in finance. This is a great tool for getting yourself in financial order and asks the questions we may ask ourselves but are too afraid to ask others. I think the exercises that are given help you to get honest views about your financial past, present and future. A good rating is based on the content and usability not "oh I've been there done that so it is meh". If this is you then do something kind an pay the book forward to someone who could really use it to get to your level. There is no getting rich quick and this is a forward thinking, realistic approach to managing finances, savings and fun! I think this is a great tool for young people starting in high school all the way up to middle aged folks who need a financial check-in (or check up!).
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Format: Audio CD Verified Purchase
I really enjoyed the content of this book and will be purchasing the hard cover version. I was excited to listen to it in the car but it just didnt work. There are many worksheets, tables, etc. that you want in front of you. They are also a little bit cumbersome to hear them read outloud, lots of repeated sentences, as an example, because the first example in the worksheet is similar to the second. I don't fault the content of the book for this but food for thought before ordering it on cd.
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Format: Hardcover Verified Purchase
According to the American Payroll Association more than two thirds of Americans live paycheck to paycheck and 3 in 10 making $100K per year do so. Alexa gave short shrift to the CFP designation and should have explained it as more than a 2 day 10 hour test. I am not sure why Alexa labels people as different types? I find that it is difficult to change who someone really is and do not think that the labeling was beneficial. This book seemed like it was for a younger target audience than me. I agree wholeheartedly that it is very important to regularly calculate your net worth (I do mine every month). I did not agree as to why one should put homeowners insurance on mortgage payments by "impounding" when your insurance company can also do so? I really like the idea of using a budget plan for all utilities. In shopping, Alexa should have recommended extrapolating the unit price to cost per ounce or some other measure. I think that the 20% of take home pay number for the future ignores pre-tax deductions like for a 401k. To me, the 70% retirement salary seems high as your mortgage should be paid off and you do not have the 20% for the future to worry about anymore. I totally agree that retirement is the top financial priority. When reading this book on the Kindle, some of the charts were impossible to read. I like the idea of bonuses going into your freedom (emergency) fund which I will try to do. Selling unwanted / unused items and putting any cash back rewards into the fund is something that I already do. I maximize cash back and will use the card that has the best percentage which is Bank of America at 2.25% for me right now. I also make sure that I sign up for the 5% categories that other cards offer on a rotating basis.Read more ›
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Format: Hardcover Verified Purchase
Really didn't learn anything new, and felt like the budgeting advice was too simplistic. To wit, the author doesn't include "clothing" as an essential in her 50/30/20 formula. She also puts an arbitrary percentage allocation on food with no consideration of family size. The product description should note that this book is targeted at single 20-somethings, about the only demographic for which this book is appropriate.
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Format: Hardcover Verified Purchase
Good book to give to children 18-25 years old to learn about budgeting and managing their finances and future planning!
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Format: Hardcover Verified Purchase
I bought this as a gift for a college student close to graduation and he loved it and found it to be helpful. In order to succeed in life, young people need to develop sound financial intelligence and this book contained quality advice. I have an MBA and an undergraduate degree in accounting and I worked for a top accounting firm so I'm able to recognize a worthwhile financial book.
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Format: Hardcover Verified Purchase
Fabulous book! Its an easy read with great suggestions. It's only been a month since I started using this method and I am well on my way to being Financially Fearless! I highly recommend the LearnVest program to anyone who is trying to get their finances in check! It also has great advice for preparing for future needs like kids, big purchases and retirement.
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Format: Hardcover Verified Purchase
As other reviewers have mentioned, this is an OK book and is particularly well suited for a college-leaver. Not rocket science, and a little light in some sections, and pushes rather hard on the website you can use (for a fee…), but it was well-organized, reasonably comprehensive, with a lot of practical tips, and like a said a fast read. The only problem bringing it down from a 3 start to a 2 star -- it has a fair number of tables, charts and graphs which exceeded the page width on the reader -- rendering this book basically unuseable in e-format.
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