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On My Own Two Feet: A Modern Girl's Guide to Personal Finance Paperback – May 1, 2007

4.6 out of 5 stars 94 customer reviews

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Editorial Reviews


"You can either manage your financial life, or let it manage - and torture - you. Financial service professionals and CFAs Thakor and Kedar recommend the former and show you how to achieve it. This guide to financial planning for young women (men, this applies to you, too) is sound and prudent... Thakor and Kedar are more like financial physicians than financial consultants." -- Kirkus Review - April 2007

From the Back Cover


"This is the path to true liberation: how to handle all those hard-earned dollars. Or make do with what you've got. And if I were a modern boy, I'd put on a wig and buy one as well. We all need this guidebook."
- Lynn Sherr: ABC News Correspondent & Author of OUTSIDE THE BOX: A Memoir

"ON MY OWN TWO FEET is a must-read for all women who want to own their own destiny. In clear, penetrating prose, Thakor and Kedar guide their readers along the journey to financial security and personal freedom. Whether you are going to run a corporation, a household, or your own extraordinary life, this book is indispensable."
- Nancy F. Koehn: James E. Robison Professor of Business Administration, Harvard Business School

"A real page turner - and that's not something typically said about personal finance books! ON MY OWN TWO FEET is chock full of powerful, straightforward advice about how to take charge of your financial future. Trust me, you can't afford to miss this book."
- Denise Brosseau: Co-Founder, Forum for Women Entrepreneurs

"ON MY OWN TWO FEET is the financial equivalent of the basic black dress and red handbag in every woman's closet. Choose it early and use it often for maximum positive effects. I mentor many young women, and this book will be one of my recommended financial tools as they build for future professional and personal dreams."
- Betsy Heller Cohen: Vice President & Futurist, Nestle Purina Petcare Company

"If you've got a nagging sense of needing to put your financial life in order but dread facing up to it, ON MY OWN TWO FEET gives you the solid, straightforward advice you need, in a brief and super-efficient manner. This guide is an excellent place to start when you don't know where to begin (and don't even feel like getting going!)"
- Shira Boss: Author of GREEN WITH ENVY: A Whole New Way to Look at Financial (un)Happiness


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Product Details

  • Paperback: 183 pages
  • Publisher: Adams Business; 1 edition (May 1, 2007)
  • Language: English
  • ISBN-10: 1598691244
  • ISBN-13: 978-1598691245
  • Product Dimensions: 5.5 x 0.6 x 7.5 inches
  • Shipping Weight: 8.8 ounces
  • Average Customer Review: 4.6 out of 5 stars  See all reviews (94 customer reviews)
  • Amazon Best Sellers Rank: #735,374 in Books (See Top 100 in Books)

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Customer Reviews

Top Customer Reviews

Format: Paperback Verified Purchase
As a financial professional, I have generally been critical of personal finance authors because they struggle to condense their vast knowledge into a book that is readable for the average person. Thakor and Kedar succeed where others have failed. In this book, they manage to cover all of the basic principles of personal finance (savings, credit, insurance, budgeting, investing, retirement, major purchases, taxes and money in relationships) in less than 200 pages. The book flows more like a conversation with a friend than a textbook, which made it an enjoyable and quick read. Also, I was very impressed with the quality of the advice given in this book. The authors stick to tried-and-true principles that are both effective and simple.

I highly recommend this book.
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Format: Paperback Verified Purchase
The basic message of this book? Prince Charming is not a financial plan. Although finances can be intimidating, they can be understood, and this author helps women by quickly getting to the point and not bogging them down in boring or too complex details.

Below are the different subjects discussed in this book and the kinds of issues discussed with each:

SAVINGS – (1) why you should save, (2) how much to save, and (3) where to store savings

CREDIT CARDS – (1) the true cost of debt, (2) the harm in only paying the minimum monthly payment (3) common credit card pitfalls (4) understanding credit scores and how to improve them

INSURANCE – (1) the 3 critical types you need, (2) where to buy

BUDGETING – (1) How to make a budget (2) what type of expenses to expect

INVESTING – (1) Why you should invest (2) which investments are the smartest ones to make

RETIREMENT – Types of retirement options

HOME – (1) renting vs buying (2) avoiding buying a home you can’t afford

CAR – (1) avoiding buying a car you can’t afford (2) buying used vs new (3) leasing vs. buying

INCOME TAXES – (1) types of taxes you’ll owe (2) how to file taxes

LOVE AND MONEY – (1) the importance of financial compatibility (2) joint vs. separate bank accounts (3) deciding who’ll handle financial chores (4) how stay-at-home moms can protect their finances (5) why it’s unwise to assume your Prince Charming knows more about money than you

Overall, this book offers a great start towards achieving financial responsibility.
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Format: Paperback
I was lucky enough to meet the authors of this book, Manisha Thakor and Sharon Kedar at a recent retreat at the Woodhull Institute for Ethical Leadership. I was struck by three things: 1) their passion to educate young women about personal finances, 2) their snazzy dress sense, and 3) the fact that THESE WOMEN KNOW THEIR STUFF! Both are amazingly successful in the male-dominated world world of finance, and gave me the instant feeling that I could navigate it too, all I needed was some simple basics. Manisha and Sharon are able to look at money from the perspective of MY generation, the 18-35 year-olds who don't stay in one job forever, and will enter the work force with student loans, MySpace accounts, and only a brief window to start retirement planning. "On My Own Two Feet" handles the current reality of money and finance with pizzazz and spice, and a feeling of support from the "Divas of Finance". If you want to feel more financially secure, and do it soon, pick up this book now! Then send it to your girlfriends, cousins, sisters, mothers...and maybe even a man or two. After all, everyone needs some money help, sometimes!
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Format: Paperback
I am embarrased to say this, but when I first saw the book I didn't think I needed it. I graduated from college, had some savings in the bank, and was married. I figured that I'd always have enough money, and that I could rely on my husband's financial expertise. Um, no. Not to sound preachy, but as a woman I need to be smarter than that. I have to plan better and prepare to always take care of myself.

Maybe the best part about this book, aside from the advice, is that it's fun and just a great, easy read. The authors don't preach and you know going in that they are just like you. They don't make you feel dumb and the advice is simple and easy to follow. Thankfully I didn't pass the book up. I would've regretted it.
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Format: Paperback
For some time now I have been struck by the amazing lack of financial acumen that my generation has been blessed with. (I count myself in that category, since despite being educated enough to know better I have made a couple of my own blunders). A few years ago I started looking for books to educate my then pre-teen niece to start her financial life on the right foot. We started with "The Millionaire Next Door", then tried "Millionaire Women Next Door". While she enjoyed both books, they were not written as the practical "how to" guides that I thought someone her age should be looking for.

In the meantime, I have grown to know and manage a cadre of women between the ages of 18 and 30, and increasingly realize the need for common sense financial guides to help smart, motivated women make good decisions. I was told about this book - On My Own Two Feet - and it definitely hits the jackpot. It covers the major topics that need to be addressed (savings, credit cards, insurance), but comes off as fun and collaborative. Financial goals are set that seem realistic and reasonable, not extreme and out of reach. If a young woman follows the advice in this book, she will be in a position to manage her finances for life. At a minimum, she will ask the right questions of herself and her partner when making major decisions.

I have bought several copies of the book as birthday/graduation presents and am eager to see their response. I definitely recommend this book.
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