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Dollars & Uncommon Sense: Basic Training for Your Money Paperback – January 2, 2012

4.5 out of 5 stars 29 customer reviews

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Editorial Reviews

About the Author

Steve Repak, CFP® , is an Army Veteran, Professional Speaker and consultant. Steve was selected the 1995 Fort Bliss, Texas Non Commissioned Officer of the Year and graduated Summa Cum Laude with a Bachelor of Science in Management Communications from Amridge University. Steve has been a frequent guest on Fox and Friends, Fox Business, 700 Club, and CNN Headline News. Steve has been interviewed on NPR, Bloomberg Radio, Market Watch Radio, Wall Street Journal Radio, and many other National and Regional Shows. Steve's work has been featured in Forbes, Investor's Business Daily, BusinessWeek, New York Post, Chicago Tribune, MSN Money, Yahoo Finance & USA Today. He now works for himself as a successful Certified Financial Planner™ in Charlotte, North Carolina, where he lives with his wife and three children.
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Product Details

  • Paperback: 166 pages
  • Publisher: RFS Publishing (January 2, 2012)
  • Language: English
  • ISBN-10: 0983901104
  • ISBN-13: 978-0983901105
  • Product Dimensions: 5.6 x 0.4 x 7.9 inches
  • Shipping Weight: 3.2 ounces (View shipping rates and policies)
  • Average Customer Review: 4.5 out of 5 stars  See all reviews (29 customer reviews)
  • Amazon Best Sellers Rank: #1,433,326 in Books (See Top 100 in Books)

Customer Reviews

Top Customer Reviews

By Paul Tognetti TOP 500 REVIEWER on January 29, 2012
Format: Paperback
My initial reaction to books like "Dollars and Uncommon Sense: Basic Training For Your Money" is always the same. Why do so many Americans need to read a book or take a seminar to learn how to manage their money? I just can't relate. I was raised by parents who went through the Great Depression. My parents, like so many of the people in the Greatest Generation, demanded value for their hard-earned money, ate most meals at home, saved for a rainy day and invested what little they did have very wisely. What happened? Given the events of the past several years it is plain to see that all too many Americans have bought into the "you can have it all" nonsense and as author Steve Repak points out time and again this is sheer madness and economic suicide for most individuals. Mr. Repak, who is an army veteran, motivational speaker, consultant, and a principal of Repak Financial Services has put together a dandy little book to assist those who admit that they have a problem to fundamentally change the way they view money. From what I have seen it appears this would be a great resouce for such people.

What is so neat about "Dollars and Uncommon Sense" is that it requires only a few hours of your time to get through the book. Steve Repak's military mindset is quite apparent as he drills home his most salient points time and again most notably in a section called "The Take Home" at the conclusion of each chapter. Furthermore, there are exercises and worksheets available to assist you in determining the nature and scope of your financial problems. From where I sit just about everything Steve Repak has to say is pure common sense. It makes you wonder why courses in personal financial management are not taught in our high schools.
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Format: Paperback
Steve Repak uses his military training to excellent advantage in providing an approach to all of us as to how to alter our income status in his immensely readable book DOLLAS AND UNCOMMON SENSE: BASIC TRAINING FOR YOUR MONEY. He shares his own living from paycheck to paycheck, living off credit cards, always paying the minimum amount when the bill comes, and having no plan for the future. Sound uncomfortably familiar? Sure. And here, finally, is a manual that takes the magic out of changing our finances by sending our money views to basic training. 'You don't have to make a lot of money to have a lot of money' is an example of the little helpful quips he places in the margins of his book that gradually make excellent sense as the pages turn.

As a fine drill sergeant (though a warmly supportive one) Repak advises us to sit down, look at where our money goes, make plans to change and then follow those plans. His doable plans include not spending more money than we make, pay off credit cards and put them in the freezer, spend only what is necessary and keep track of those expenditure, save a little out of every paycheck, and once on flat ground consider investing. In each of his chapters he talks to us in an informed way about how to make changes, planning the paycheck, debt release - all under the categories of Basic training, Spending, Debt, and Saving and Investing. At the end of each of the eleven chapters he gives a 'Take Home' - a list of the salient points of the chapter that summarize memorable 'rule and regs' and makes the reader feel accomplishment. For instance, after the chapter about planning for the future his Take Home comments are ' Save 10 percent of your monthly income into Life Happens Account until it contains $1,500.
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Format: Paperback
Paperback: 166 pages
Publisher: RFS Publishing (2012)

Steve Repak describes basic training in "Dollars & Uncommon Sense" and defines it as a time when "...a soldier goes through a process of mental and emotional retraining so he can operate in an environment very different from the civilian world." It's a time when a soldier learns new skills so he will be ready for anything. That's exactly what he recommends we do today to survive in our financial world. His book seeks to transform the way we think about money and give us the skills to build wealth.

When you are finished with reading his book, you will stop using common sense, and start using uncommon sense, that is: doing what most people don't do. Many believe it is the American way to go into debt to buy what you want now. An example of using uncommon sense is buying a car. Rather than buying a car and suffer a 20% decline in value when you drive your car off the dealer's lot, find the car you want, figure out the monthly payment and put that money aside each month for year. After a year, buy the same car with a down payment of the money you saved and the car is 20% cheaper. Only now you have you saved money on the car, and you know you can afford the payment.

As I read the book, I kept thinking about the U.S. and the way our leaders manage our finances. Repak writes that making more money won't solve your spending problems. No matter how much more you make, you will spend more than you take in, if you don't think about money differently.

How does "Dollars & Uncommon Sense" differ from popular Dave Ramsey? Ramsey advises to be totally debt free. Repak believes as Ramsey does, that debt is a four-letter word, but believes you can have a mortgage, since it is so hard to come up with a 25% down payment and he thinks you can go into debt to start a business.

This book should be required reading for everyone of this country if we are to survive financially.
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