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Your Money: The Missing Manual [Kindle Edition]

J.D. Roth
4.4 out of 5 stars  See all reviews (51 customer reviews)

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Book Description

Keeping your financial house in order is more important than ever. But how do you deal with expenses, debt, taxes, and retirement without getting overwhelmed? This book points the way. It's filled with the kind of practical guidance and sound insights that makes J.D. Roth's GetRichSlowly.org a critically acclaimed source of personal-finance advice.

You won't find any get-rich-quick schemes here, just sensible advice for getting the most from your money. Even if you have perfect credit and no debt, you'll learn ways to make your rosy financial situation even better.

  • Get the info you need to make sensible decisions on saving, spending, and investing
  • Learn the best ways to set and achieve financial goals
  • Set up a realistic budget framework and learn how to track expenses
  • Discover proven methods to help you eliminate debt
  • Understand how to use credit wisely
  • Win big by making smart decisions on your home and other big-ticket items
  • Learn how to get the most from your investments by avoiding rash decisions
  • Decide how -- and how much -- to save for retirement



Editorial Reviews

Review

If you need a book on personal finance, Your Money: The Missing Manual is a solid choice. It gets all the important stuff right, and does a great job of distinguishing between that stuff (that you have to get right) and the peripheral stuff (that you can do any of several different ways, as long as you do it).

-- Philip Brewer,

About the Author

J.D. Roth is an accidental personal-finance expert--a regular guy who found himself deep in debt. After deciding to turn his life around, he read everything he could about money and finance. In 2006, he started the award-winning website Get Rich Slowly, which Money Magazine named the Web's most inspiring personal-finance blog. Over the past four years, Get Rich Slowly has grown into an active community where thousands of readers a month share ideas on how to improve their financial lives. J.D. lives with his wife and four cats in a hundred-year-old house in Portland, Oregon.


Product Details

  • File Size: 986 KB
  • Print Length: 338 pages
  • Simultaneous Device Usage: Unlimited
  • Publisher: O'Reilly Media; 1 edition (March 4, 2010)
  • Sold by: Amazon Digital Services, Inc.
  • Language: English
  • ASIN: B003QMLBR0
  • Text-to-Speech: Enabled
  • X-Ray:
  • Lending: Not Enabled
  • Amazon Best Sellers Rank: #292,490 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
  •  Would you like to give feedback on images?.


Customer Reviews

Most Helpful Customer Reviews
115 of 141 people found the following review helpful
2.0 out of 5 stars Far from good July 14, 2010
Format:Paperback
I liked the blog (not quite so much anymore, though, with all the new writers). The blog is why I picked up this book. But while it's fun to go when you're at work to read a short personal finance thing for a brief diversion, a bunch of blog posts strung together makes a bad personal finance book.

Unlike other reviewers, I think this book was poorly organized. This book is written for those with a basic level of personal finance knowledge and Roth occasionally patronizes (with examples like "Karen Kashout" and "Joe Spendsalot"). And I don't know I'm the only one, but I thought the font was annoying.

It's written at the level of Dave Ramsey's Total Money Makeover (Roth used Ramsey's system to get out of debt), but it's JD Roth's Total Money Life, covering everything from salary negotiations to buying a new car to getting out of debt to budgeting to investing to charity to quitting your job in a book that is simply too short for that. To compensate, he gives lots of references, including using annoying tiny urls for websites. When I want to go to vanguard, I don't want to put in tinyurl.@$#$^. I'll put in vanguard.com. It's easier. I can remember vanguard.com. I was reading the book and kept thinking, if I want information on how to negotiate my salary, I'll google it. Or I'll read Jack Chapman. If I want advice to get out of debt, I'll read Dave Ramsey. Roth's little blurbs might be fun to read on his blog, but I don't think they serve the people who need his book.

Roth isn't a money guy. He's a writer. He doesn't have a real system for personal finance; he's just a guy who successfully got out of debt. Using Dave Ramsey's plan.

This book seems to be all over the place and feels disjointed.
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22 of 27 people found the following review helpful
Format:Paperback
I first got interested in J. D. Roth's personal finance writings through his Get Rich Slowly blog. There, he talks about what he's discovered when it comes to getting (and staying!) out of debt, saving money, and other various topics related to your hard-earned dollars. When I heard he was writing Your Money: The Missing Manual, I was excited to get a copy to read and review. I wasn't disappointed, either. This is the perfect book to give someone who is trying to dig out from a mountain of debt, or more ideally, to someone who hasn't yet fallen into that trap. Either way, the value of the information here is priceless if read and followed.

Contents:
Part 1 - Blueprint for Financial Prosperity: It's More Important to Be Happy Than to Be Rich; The Road to Wealth Is Paved with Goals; "Budget" Is not a Four-Letter Word; Defeating Debt
Part 2 - Laying the Foundation: The Magic of Thinking Small; How to Make More Money; Banking for Fun and Profit; Using Credit Wisely; Sweating the Big Stuff; House and Home; Death and Taxes
Part 3 - Building a Rich Life: An Intro to Personal Investing; Retirement - The Final Frontier; Friends and Family
Index

To understand where Roth comes from, it helps to know a bit of his story. He found himself $35,000 in debt a decade after college, with no real knowledge of how to manage the money that was going out faster than it was coming in. Add the purchase of a 100 year old house on an already-stretched budget, and he was desperate for change. He started devouring all the books and magazines he could find on money matters, breaking down the jargon and information into understandable chunks. He began to share this information on his Get Rich Slowly website, in hopes that he could help others in the same situation.
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32 of 41 people found the following review helpful
5.0 out of 5 stars Soooo Good! March 20, 2010
Format:Paperback|Verified Purchase
I am a longtime reader of J.D.'s blog so I've been waiting for this book for awhile. It came in the mail today and already I can tell you, it is sooo good. I was worried that many of the topics covered would be a review from his blog writing. This is not a rehash/review of the blog. This book provides seriously enhanced and deeper knowledge in a structured, useful way. I like the way J.D. points out what he thinks and how tools and tips are useful and he also points out drawbacks or situations in which you may want to consider other paths. For example, as he cites in the book, his path for getting out of debt is closely aligned with Dave Ramsey's plan, which worked for him (and me) but he also provides slightly different options that might fit your needs or priorities better but will still achieve results.

As always, J.D. is readable and relateable. His book is well-organized and provides step by step suggestions and instructions on getting out of debt, focusing on what is important, learning to curb your spending and doing what makes sense for you.

The tips, notes, and website suggestions are excellent. I'll be using this as the text for the financial literacy class my husband and I teach at our church. I've already been quoting J.D. to our current class and we've all truly latched onto "The perfect is the enemy of the good" --too many people don't get started in tackling their finances because they are looking for the perfect first step... "Action beats inaction" I know personally, and from others in my class, these are big hurdles we create ourselves that prevent us from moving forward. J.D. named them and in doing so, helped us remove them and do something. I think these are J.D.'s words, but if not, they are a great example of the exhaustive reading and research he does to compile an excellent book full of resources so that you don't have to go out and read all of the other books and research.

Highly recommended!
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Most Recent Customer Reviews
3.0 out of 5 stars Three Stars
It was an ok read! It didn't talk about anything new!
Published 12 days ago by B_5000
5.0 out of 5 stars One of the Best book I have read no the subject!!!
Excelente libro. El lenguaje usado es bien simple de entender, el autor lo expresa de forma interesante y uno no pierde el interés en ningún momento. Read more
Published 1 month ago by Amazon Customer
4.0 out of 5 stars Four Stars
I wish I would have read this book 20 years ago. I would've been a little richer by now.
Published 1 month ago by Genebin McKenzie
5.0 out of 5 stars Five Stars
Great gift for graduates.
Published 2 months ago by Peg Whitten
5.0 out of 5 stars Read it and learn!
This is a terrific book for those who need help with financial management . Read it and learn!
Published 2 months ago by ESS
1.0 out of 5 stars Info you can easily find on the web
6. Do not buy books that regurgitate and repackage information you can easily find online and then bookmark for later reference.
Published 3 months ago by Jim L
5.0 out of 5 stars My late review
The book was a little late getting here, it was mailed out really fast, but our local post office is good about losing things. The book was in excellent shape, like new. Read more
Published 6 months ago by Linda Nixon
5.0 out of 5 stars Want To Save Money and See It Grow? This Is The Book!
The author was in so much debt - is married, has kids, and a house on overload debt kind of debt. I learned a few simple tricks all from one chapter and I was able to save over 10k... Read more
Published 8 months ago by E. Molina
5.0 out of 5 stars Excellent book
I had read this book from the library, but wanted to retain many sections because it has lots of great information and links to other sources. Read more
Published 8 months ago by Mike T.
5.0 out of 5 stars Good Reading
I've purchased several money books during the past 3-4 years because I enjoy reading them and this one is my favorite. Read more
Published 12 months ago by Ohio Joe
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More About the Author

J.D. Roth is an accidental personal-finance expert--a regular guy who found himself deep in debt. After deciding to turn his life around, he read everything he could about money and finance. In 2006, he started the award-winning website Get Rich Slowly, which Money Magazine named the Web's most inspiring personal-finance blog. Over the past four years, Get Rich Slowly has grown into an active community where thousands of readers a month share ideas on how to improve their financial lives. J.D. lives with his wife and four cats in a hundred-year-old house in Portland, Oregon.

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