Why Didn't They Teach Me This in School?: 99 Personal Money Management Principles to Live By Audible Audiobook – Unabridged

Cary Siegel (Author), Dean Sluyter (Narrator), Cary Siege (Publisher)

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Why do high schools and colleges require students to take courses in English, math and science, yet have absolutely no requirements for students to learn about personal money management? Why Didn't They Teach Me This in School? 99 Personal Money Management Lessons to Live By was initially developed by the author to pass on to his five children as they entered adulthood. As it developed, the author realized that personal money management skills were rarely taught in high schools, colleges, and even in MBA programs.

Unfortunately, books on the subject tend to be complicated and lengthy. This book includes eight important lessons focusing on 99 principles that will quickly and memorably enhance any individual's money management acumen. Unlike many of the personal money management books out there, this book is a quick, easily digested listen that focuses more on the qualitative side than the quantitative side of personal money management.

These principles are not from a text book. Rather, they are practical principles learned by the author as he navigated through his financial life. Many are unorthodox in order to be memorable and provoke deeper thought by the listener. Not only an excellent graduation gift for high school and college students but also a great book for any adult!

Listening Length

3 hours and 11 minutes
Author

Cary Siegel
Narrator

Dean Sluyter
Audible release date

April 18, 2016
Language

English
Publisher

Cary Siege
ASIN

B01EB9N3I6
Version

Unabridged
Program Type

Audiobook
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Product details

Listening Length	3 hours and 11 minutes
Author	Cary Siegel
Narrator	Dean Sluyter
Whispersync for Voice	Ready
Audible.com Release Date	April 18, 2016
Publisher	Cary Siege
Program Type	Audiobook
Version	Unabridged
Language	English
ASIN	B01EB9N3I6
Best Sellers Rank	#36,027 in Audible Books & Originals (See Top 100 in Audible Books & Originals) #117 in Money Management & Budgeting #400 in Budgeting & Money Management (Books)

Customer reviews

4.5 out of 5

1,664 global ratings

5 star		69%
4 star		18%
3 star		8%
2 star		2%
1 star		3%

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Rajasekhar

Must read for everyone

Reviewed in the United States 🇺🇸 on November 9, 2022

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This book is loaded with amazing information that can help anyone from freshly graduated students to someone like me who has been in corporate life for the past 8 years.

Helpful

jacqui marcos

Some good advice, but can tell it was written by a boomer

Reviewed in the United States 🇺🇸 on October 12, 2022

Verified Purchase

Some of the advice is great for young adults, but when it comes to stuff like credit and buying versus leasing, its a little dated. For example, i dont think I would tell someone to NOT get a credit card in college. Credit is important to everything and the sooner you can build it safely, the better off you will be

9 people found this helpful

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Betsy Landau

simple and realistic

Reviewed in the United States 🇺🇸 on August 19, 2022

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Read through the book quickly because the advice was so accessible. Great for young people. I will recommend it to many of the ones I know who are trying to get on their feet.

One person found this helpful

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Gold

Has some merit but very misleading

Reviewed in the United States 🇺🇸 on April 17, 2017

Verified Purchase

I appreciate the book and its purpose but some of his points are just plain silly. I knew what to expect but its nice to have a refresher sometimes. He mentioned that the book is for his kids and truthfully, it is just that. A man who doesn't necessarily know what he's talking about on all points and passing it on to his family.

For instance, he says stay away from credit cards (especially if you're in college). Pay for everything with cash or debit card. Then he says if you must have one, only have one.

I feel like this is terrible advice. He should explain the benefits of responsible usage and building credit early. For one, you get free money with every purchase, bonuses, and special promotions earning you more money. For example, i got $70 worth of books for free within this order all because i got accepted by Amazon and have solid credit. Hell, with my other card bonuses and cash back, that money is in a savings account. Oh yeah and im a college student!

What's more? Using credit cards instead of debit protects your personal bank account in the event of fraud. You also have more buyer protections under a credit card etc. Even when you're out traveling, you need a credit card. As you can see, his idea about credit kinda pissed me off.

Another thing he said is there is no such thing as a free checking account... where has he been?

Last but not least, this guy said the surest and best way to make money is through hard work and a job. Serious head scratcher. Millionaires are mostly entrepreneurs and investors that lived below their means.

All in all, this book could have been a bit more deeper. With an excellent name like "Why didn't they teach me that in school" you'd expect more. Some things are mentioned and not really explained if at all. I would not let my kids read this book alone but rather something like "The Millionaire Next Door" or something simpler like "My College Finance" by J.L. Thompson which is the book responsible for my deep interest in finances which led to other things. Other than that, the book isn't bad just some crucial inaccuracies that annoyed me.

17 people found this helpful

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sims

I purchased 80 for my high school Personal Finance class!

Reviewed in the United States 🇺🇸 on August 23, 2015

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As a Florida high school Personal Finance and Marketing teacher who tries to prepare his student with "common sense" strategies for a solid financial life, I was thrilled to come across Cary Siegel's book. The vast majority of information is what I believe in and teach to my students. My wife and I live below our means, carry no credit card debt (but love the cash back reward), have paid off the house mortgage, and been investing successfully in mutual funds for 30 years. There are 99 Principles, such as those stated above, covered in this easily understood book.

The information is concise, with topics covered within two pages. This is a plus for many readers, especially those from the Millennial Generation! Some Principles stated are "enough said", while others need further research and explanation. That is the beauty of using it as supplemental reading in my classes. I can expand on topics and answer questions that come up from student reading. For other readers, they will need to Google those topics in question and further their education through more detailed books, magazines or websites. At least the "finance light bulb" went off!

Check out the Table of Contents to see the 99 Principles. A person truly interested in making sound personal financial decisions in life will take away a good blueprint for doing so. As I've told my students; making wise financial decisions allows you to keep more of your money and create options and opportunities in life, something more and more of our citizens are left without.

A great book for teens, young adults, or adults dipping their toes in the personal finance water who might be intimidated by most financial tomes.

9 people found this helpful

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P. B.

Great for teens

Reviewed in the United States 🇺🇸 on September 25, 2018

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I gave this book to both of our boys as a HS graduation gift. One child is a reader and a saver, the other is a spender who hates to read. Surprisingly, the reader didn't read it but my spender did and now is asking questions about credit cards, car loans and paying interest. He is all about "living within your means" now, though I reminded him that you need to live BELOW your means to be able to save money. He has several hundred in savings now whereas before he would blow it as fast as possible. Now he tells me stories of how he sees his friends making not so wise choices with their money. I never thought this day would come!
So many people giving low reviews say "it's just common sense" but yet millions of adults are in debt up to their eyeballs, foreclosing on their mortgage or are under water, or not saving an emergency fund or having enough for retirement. So obviously there are millions out there that never learned this so called "common sense". I hope this book prevents my kids from being 2 of those millions.
As someone else mentioned, if my husband and I had read this book 30 years ago, we would now be financially better off but we both learned the hard way.
Thank you for writing this in a format that is not long chapters but little quickie sections so that my even my son who dislikes reading doesn't mind reading it. :)

78 people found this helpful

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Vardan M.

Why I didn't read this book earlier?

Reviewed in the United States 🇺🇸 on September 8, 2022

Verified Purchase

Must read

2 people found this helpful

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Kindle Customer

Just ok

Reviewed in the United States 🇺🇸 on August 20, 2022

Verified Purchase

I thought it was just ok, had a couple good points. Wouldn't buy the hard copy, but a decent enough read.

One person found this helpful

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Top reviews from other countries

Steven Frost

Quick and easy financial information digest.

Reviewed in the United Kingdom 🇬🇧 on July 22, 2021

Verified Purchase

A great book which covered some basics in financial management. A good basis to build on any financial knowledge.

Was hoping for a little more information, but overall a good read. Would highly recommend to someone coming of age.

3 people found this helpful

Bells

Gold!

Reviewed in the United Kingdom 🇬🇧 on September 5, 2021

Verified Purchase

Fantastic read, couldn’t put it down. I’m buying this for all my nieces and nephews. If kids where taught they would be so focused in school and life!

4 people found this helpful

Rina

Excellent - especially young people.

Reviewed in the United Kingdom 🇬🇧 on February 11, 2022

Verified Purchase

Excellent - especially young people from their late teens and upwards. Very sound down to earth advice.

One person found this helpful

Carl

Great book!

Reviewed in the United Kingdom 🇬🇧 on July 15, 2020

Verified Purchase

Great great book. So interesting and informative. Would recommend

4 people found this helpful

Nikheel Roy Nelson

Straight to the point

Reviewed in the United Kingdom 🇬🇧 on January 4, 2020

Verified Purchase

Easy to follow and apply. Probably the most concise approach to making incremental improvements to the way you handle money.

5 people found this helpful

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Why Didn't They Teach Me This in School?: 99 Personal Money Management Principles to Live By Audible Audiobook – Unabridged

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