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The 9 Steps to Financial Freedom: Practical and Spiritual Steps So You Can Stop Worrying [Kindle Edition]

Suze Orman
4.4 out of 5 stars  See all reviews (60 customer reviews)

Print List Price: $15.99
Kindle Price: $10.10
You Save: $5.89 (37%)
Sold by: Random House LLC

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Book Description

Financial expert Suze Orman is changing the way America thinks about money. Orman outlines a revolutionary approach to the way we save money, handle debt, and plan for our retirement. By examining and understanding our earliest attitudes toward money, we can honestly confront where we stand financially and take the necessary action toward financial freedom. Orman deals with managing money responsibly, handling credit card debt, planning for our retirement, trusts versus wills and more.

Editorial Reviews Review

When Suze Orman was 13 she watched her father dive into the flames of his burning take-out chicken shack in order to rescue his cash register. In that moment Orman learned that money was more important than life itself. And so it became her quest to be rich. But years later, when Orman became a wealthy broker with a huge investment firm, she was profoundly unhappy. What went wrong? She had not yet achieved financial freedom. In her nine-step program, Orman covers the ingredients to financial success--confronting our beliefs and fears, learning the nuts and bolts (and insiders secrets!) of savvy management, and finding the spiritual trust that leads to abundance.

Suze Orman's seminar-format video offers a financial pep talk to accompany her book of the same title. Though a good deal of her nine steps are nothing new or revolutionary--plan for the future, cut your credit-card debt, organize your estate, respect money, and take charge of your own money--she makes a few noteworthy points. Using psychology to flush out attitudes about money, she asks the members of her audience to think about their earliest memories of money and how it shapes their relationship with it now. She recognizes the feelings of shame and guilt associated with money and tells us to get over it--that these feelings are the very ones that paralyze our path to financial freedom. Her basic formula of financial freedom seems difficult to achieve since it requires us to factor in self-esteem, organization, dedication, and feelings of entitlement. She also feels strongly that "stating your goal will make it happen, no matter how impossible it seems," which is reminiscent of the psychology behind the "Little Engine That Could"--a bit simplistic when it comes to the complicated but still accessible world of finances. Orman's target audience is both one that needs a financial pep talk and one that isn't necessarily well versed in financial jargon. A person of any age can find something useful in her helpful, if urgent-sounding, reminders. She uses some statistical scare tactics--such as mentioning that one in three people over the age of 65 will end up in a nursing home, so you'd better get long-term care insurance--to drive her points home but then buffers them with an "everything happens for the best" and "your self-worth is more important than your net worth"-type philosophy. Orman ends the lecture with an enlightening question-and-answer session that elaborates on points not covered by her speech, such as how to find a good financial planner and the differences between retirement funds. Those looking for a specific formula to financial freedom may have to look elsewhere, as Suze Orman's philosophy is that we ourselves can and should be our own best financial advisors since we know ourselves better than any financial writer or planner ever could. --Gilia Angell

Product Details

  • File Size: 2706 KB
  • Print Length: 338 pages
  • Publisher: Three Rivers Press; 3 Rev Upd edition (October 6, 1999)
  • Sold by: Random House LLC
  • Language: English
  • ASIN: B000FC1RXM
  • Text-to-Speech: Not enabled
  • X-Ray:
  • Lending: Not Enabled
  • Amazon Best Sellers Rank: #133,915 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
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Customer Reviews

Most Helpful Customer Reviews
51 of 52 people found the following review helpful
5.0 out of 5 stars GREAT resource! February 9, 2007
By SammyFL
The third edition was released in 2006, so the information is fresh and current.

I can't say enough good about this book. Suze gives EXCELLENT guidance, coupled with sensitive insight into how we all differ in our approach to handling money. She explores everything from the basics of getting out of debt, to learning how to invest your money and grow it - in a very intelligent, yet readable fashion.

I recommend grabbing a little note pad while reading, so you've got a place to jot notes and reminders to yourself for follow-up in your own life. I made a page for each topic that applied to me, then put bullet-point notes under each heading. For example, some of my page headings would be: Wills/Trusts, Durable Power of Attorney for Healthcare, Term Life Insurance, Long-term Care Insurance, Long-term Disability Insurance, Credit & Debt Management, Investments-Mutual Funds & ETF's, Investments-T Bills, Money Market Accounts.

Though this doesn't detract from the value of the content, I would like to see one improvement in this book: a better (more extensive) index that cross-references the 'small' sub-headings. For example, under insurance needs, it would be nice to be able to look up 'auto insurance' in the index and go to the area that gives you 'rule of thumb' for what a good policy should cover.

Overall, I like this book so much, it will be the "Birthday Gift" book I give to all my family members this year! We ALL need guidance in different ways - this book helps provide that in a very easy-to-grasp way. EXCELLENT read! EXCELLENT information! Keep up the GREAT work, Suze!
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21 of 23 people found the following review helpful
5.0 out of 5 stars Educational and Informative February 8, 2007
It took me to the depths of feeling like a failure and then showed me how to fix it. Amust read if you are wondering how on earth you will finance your future or just live! Wonderfully written and very interesting.
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8 of 8 people found the following review helpful
4.0 out of 5 stars Committed to saving January 27, 2013
Format:Kindle Edition|Verified Purchase
I have always hated owing anyone money for any reason so I have always been great about paying bills but I have never been very committed to saving. I wish I had read this book before I was laid off because it showed me the importance of saving and how to do so, even if you feel like you can't afford to. The truth is that you can't afford not to save for your future!
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4 of 4 people found the following review helpful
5.0 out of 5 stars This is timeless book September 16, 2013
By Kat
Format:Kindle Edition|Verified Purchase
This book was written 15 years ago and it has 2012 update but it is timeless,it's great and it always will be.If you just starting to learn how to be financially responsible,it will help you a lot.I was concerned about this book good only for Americans? is not,it can be used globally and help you grow from debt to wealth in 9 universal steps. You will learn how your past holds the key to your financial future and why and how to face your fears to create new truth about money in your life,how to receive and how to recognize true opportunity when it comes your way.I hope you like it as much I did,I understand myself more,my problems,over spending and how to overcome all that.Today,I am happy to report I trade online and since August 1st 2013 ,(month and 15 days) ,I made extra $2600.I have regular job and planing to invest in 2 more opportunities.
Thank you Suze
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3 of 3 people found the following review helpful
5.0 out of 5 stars Great guide to ALL aspects of money February 1, 2014
By Nelinda
Format:Kindle Edition|Verified Purchase
While I'm still on my road to financial freedom, it's remarkable that in the short time of reading this book I've been able to make significant changes. Initially I bought this book because I was frustrated with my paycheck to paycheck living and HATED it. Since reading I've been able to contribute more to my 401K, add to savings WHILE still paying down my debt. I didn't receive any kind of raise, didn't come into any additional money, but by following the advice given in this book I can say I've made positive changes to how I handle/manage my money. I highly recommend for those wanting to know more about all aspects of money: saving, investing, planning, budgeting, etc. Suze's real world examples make it easy to understand her message and in turn make the necessary changes in your own life.
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5 of 6 people found the following review helpful
4.0 out of 5 stars Stop Worrying, Do Something April 10, 2007
I bought this book mostly to review and compare our financial decision making process.

We liked the clearly explained concepts and suggestions in this book so much that I've just ordered four additional copies to give to our son, nieces and nephew (young adults).

I'd recommend this book to anyone who wants to have a reference and update financial family affairs.
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2 of 2 people found the following review helpful
4.0 out of 5 stars Good View of Finances June 16, 2012
The 9 Steps To Financial Freedom is one of the better books I have read on personal finance. It is very informative as to how to deal with money and how people view money. If I were to read one book on personal finance, this would be it. This is a good book for people of all ages and anyone can benefit from reading it.
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1 of 1 people found the following review helpful
4.0 out of 5 stars Great for beginners and pros January 30, 2010
By Knapp
This book is great for people who would like to get control of their finances and is an equally great refresher for those who already have their finances under control. I'm in the latter but it was still worth reading, though I did skip some of the credit card and budgeting stuff.

In general, Suze discusses end of life matters (wills, trusts, ect.), investing (retirement plans, mutual funds, etf's, etc.), saving your money (spending within you means, credit cards, etc.), and the psychology of why people ignore these issues (childhood experiences with money), and how you should handle your wealth responsibly (take control of it, plan accordingly for your death, and give to those in need). She generally introduces a topic, gives real life examples, discusses these, then gives the reader an exercise to do. She gets a little too psychological and spiritual at times for my taste, but she did hit a lot of underlying truths. For example, she says the sixth law of financial freedom is to trust your inner voice. I think this is true for finances, as well as all of lifes decisions in fact. If you ignore this voice inside of you, you are ignoring your true self and in time, this voice will win the yelling match and you will have to face it. In relation to finances, this generally leads to losing money.

Another lesson she discusses, which is probably news to many readers, is that you must be generous with money before you can truly be wealthy. She says this puts you in touch with the best part of yourself. I do think this is true for most people. It reminds of the philosophy in Lao Tze's Tao de Ching, which basically says to get something, you must first not want it. By donating some of your money, you are releasing your fears of losing it, and freeing yourself to earn more.

Great read, especially for less than $6.
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Most Recent Customer Reviews
5.0 out of 5 stars Financial Freedom
This book is very informative and easy to understand. I feel more confident about how to handle my money now having read this book.
Published 1 month ago by Stacey
5.0 out of 5 stars Good Read for General Finance Education
Good book with lots of insight. Book was shipped just as described
Published 1 month ago by Amazon Customer
3.0 out of 5 stars Great book for starters
Got the book to help reestablish my finances as I've let them get out of control. Love Suze, but her message is the same across the board. Read more
Published 2 months ago by Noa
5.0 out of 5 stars Five Stars
Great read. highly recommended
Published 3 months ago by Tina Robertson
4.0 out of 5 stars Four Stars
This is very helpful. Also you can try this too
Published 3 months ago by Dario Quiijano
5.0 out of 5 stars Good Financial Advice
I own a few Suze Orman books, she gives good advice and food for thought. This book is great because it breaks things down in a way that's easy to understand and follow.
Published 3 months ago by christine golden
5.0 out of 5 stars great!
This book not only helped me with money but it helped change the way I look at life. To expect good things to happen ALL the time you just have to look. Read more
Published 3 months ago by lynsie grace
2.0 out of 5 stars and not being afraid to love money, and to put your focus on money
I'm sure the book works for some people but the first few sentences let me know I didn't want to read this. Read more
Published 3 months ago by J. Dishner
4.0 out of 5 stars Practical book for beginner investors
Good reading especially for a beginner but also a refresher for experienced investors. This book can be used as a reference book.
Published 5 months ago by dogslavemg
5.0 out of 5 stars Read and take Heed
I wish this book was available to me when I was 20 years old, I certainly
would have done some things different in my financial life. Read more
Published 5 months ago by Patricia Hansen-flaster
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More About the Author

Suze Orman has been called "a force in the world of personal finance" and a "one-woman financial advice powerhouse" by USA Today. A two-time Emmy Award-winning television host, #1 New York Times bestselling author, magazine and online columnist, writer/producer, and one of the top motivational speakers in the world today, Orman is undeniably America's most recognized expert on personal finance.

Orman has written seven consecutive New York Times bestsellers and has written, co-produced, and hosted six PBS specials based on her books. She is the host of the award-winning Suze Orman Show, which airs on CNBC and XM and Sirius radio, and a contributing editor to O: The Oprah Magazine.

Orman was twice named one of the "Time 100," Time magazine's list of the world's most influential people, and was the recipient of the National Equality Award from the Human Rights Campaign. In 2009 she received an honorary doctor of humane letters degree from the University of Illinois at Urbana-Champaign.

Orman, a Certified Financial Planner™ professional, directed the Suze Orman Financial Group from 1987 to 1997, served as Vice President--Investments for Prudential Bache Securities from 1983 to 1987, and was an account executive at Merrill Lynch from 1980 to 1983. Prior to that, she worked as a waitress at the Buttercup Bakery in Berkeley, California, from 1973 to 1980.

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