Enter your mobile number or email address below and we'll send you a link to download the free Kindle App. Then you can start reading Kindle books on your smartphone, tablet, or computer - no Kindle device required.

  • Apple
  • Android
  • Windows Phone
  • Android

To get the free app, enter your mobile phone number.

FREE Shipping on orders with at least $25 of books.
Only 3 left in stock (more on the way).
Ships from and sold by Amazon.com. Gift-wrap available.
Financially Stupid People... has been added to your Cart
FREE Shipping on orders over $25.
Condition: Used: Good
Comment: clean copy ex library book
Have one to sell? Sell on Amazon
Flip to back Flip to front
Listen Playing... Paused   You're listening to a sample of the Audible audio edition.
Learn more
See all 3 images

Financially Stupid People Are Everywhere: Don't Be One Of Them Hardcover – June 8, 2010

4.4 out of 5 stars 24 customer reviews

See all 4 formats and editions Hide other formats and editions
Price
New from Used from
Kindle
"Please retry"
Hardcover
"Please retry"
$19.95
$8.99 $0.01

The Amazon Book Review
The Amazon Book Review
Author interviews, book reviews, editors picks, and more. Read it now
$19.95 FREE Shipping on orders with at least $25 of books. Only 3 left in stock (more on the way). Ships from and sold by Amazon.com. Gift-wrap available.
click to open popover

Frequently Bought Together

  • Financially Stupid People Are Everywhere: Don't Be One Of Them
  • +
  • The 3% Signal: The Investing Technique That Will Change Your Life
  • +
  • The Neatest Little Guide to Stock Market Investing: Fifth Edition
Total price: $42.08
Buy the selected items together


Editorial Reviews

Amazon.com Review

Product Description
If you don't actively resist America's culture of debt, you'll end up precisely where the government, banks, and big business want you to be: indentured servitude. The mistakes people make with their money are basic, and avoidable, and unless you understand what they are, you're probably going to repeat them. What you need is someone who can shed light on the obstacles we face and show you how to avoid getting tripped up by them.

Financially Stupid People Are Everywhere shows how society is rigged to take as much of your wealth as possible, and simple ways you can resist. It investigates, explains, and offers advice for all those who have fallen into debt, taken a second mortgage, been trapped by credit cards, or found themselves unable to get ahead.

  • Discusses what you can do to stop the destructive cycle of borrowing and spending
  • Illustrates the four major tenets of getting money right
  • Highlights how to avoid the many ways that government, banks, and big business try to trap you with debt

To secure your financial future, you must break the dangerous cycle of borrowing and spending, and learn how to guard your wealth against corporate ploys. Financially Stupid People Are Everywhere leads you down the only proven path to financial freedom.

How to Break Free from America's Financial Chokehold
Amazon-exclusive content from author Jason Kelly

• Understand why it's so hard to escape financial servitude in America. You're up against a money-sucking culture that's been built through one hundred years of collusion between government, banks, and big business.

• See how that cabal has set financial traps almost everywhere you turn in daily life. From slippery credit card contracts to bad bank deals to pervasive advertising to the redirecting of your tax dollars into corporate crony coffers, they're out to fleece you every day in every way.

• Notice how many of the items you're told to buy are depreciating trifles, and how strongly you're encouraged to buy them with debt. That's no coincidence. Once they get most people on the treadmill, they keep them there for life.

• Know that to the ruling class of America, you're nothing but a lifetime income to be divvied up. They care not a whit about helping you achieve the "American dream," which is available only to those who see through the financial flimflammery.

• Read this book to finally see through that flimflammery. Get the truth into your bloodstream so you recognize the American economy for what it really is: a vehicle to transfer money from the financially stupid people to the financially smart people.

• Grasp how the system works against you so you know the ways to counteract it. Memorize this book's First Rule of Finance and guard against the three Cs, the serial killers of financial lives. This book clearly identifies those three Cs and provides you with a bullet-proof plan to defeat them.

• Your whole life comes down to how you answer one question: Will I live in debt or will I live free? Read this book, and live free.

From the Inside Flap

If you don't actively resist America's culture of debt, you'll end up precisely where the government, banks, and big business want you to be: indentured servitude. The mistakes people make with their money are basic, and avoidable, but unless you understand what they are, you're probably going to repeat them.

What you need is someone who can shed light on the obstacles you face and show you how to avoid getting tripped up by them. That's why Jason Kelly—bestselling author of the acclaimed Neatest Little Guide series of financial books and Editor of The Kelly Letter—has created Financially Stupid People Are Everywhere.

Written in a straightforward and accessible style, this reliable resource reveals how society is rigged to take as much of your wealth as possible and outlines the simple ways to resist this. It investigates, explains, and offers honest advice for all those who have fallen into debt, taken a second mortgage, been trapped by credit cards, or found themselves unable to get ahead. Page by page, Financially Stupid People Are Everywhere:

  • Discusses why following the First Rule of Finance—spending no more than 80 percent of your take-home pay—is essential to get you headed in the right direction

  • Introduces you to the Three Cs—credit cards, cars, and castles—and shows how controlling them can make a significant difference in your financial life

  • Explores non-financial-sector threats to your wealth and what can be done to protect yourself against them

  • And much more

To secure your financial future, you must break the dangerous cycle of borrowing and spending, and learn how to guard your wealth against corporate ploys. Financially Stupid People Are Everywhere will help you achieve this goal and lead you down the only proven path to financial freedom.

If you buy a new print edition of this book (or purchased one in the past), you can buy the Kindle edition for only $1.99 (Save 82%). Print edition purchase must be sold by Amazon. Learn more.
For thousands of qualifying books, your past, present, and future print-edition purchases now lets you buy the Kindle edition for $2.99 or less. (Textbooks available for $9.99 or less.)
  • Thousands of books are eligible, including current and former best sellers.
  • Look for the Kindle MatchBook icon on print and Kindle book detail pages of qualifying books. You can also see more Kindle MatchBook titles here or look up all of your Kindle MatchBook titles here.
  • Read the Kindle edition on any Kindle device or with a free Kindle Reading App.
  • Print edition must be purchased new and sold by Amazon.com.
  • Gifting of the Kindle edition at the Kindle MatchBook price is not available.
Learn more about Kindle MatchBook.


The latest book club pick from Oprah
"The Underground Railroad" by Colson Whitehead is a magnificent novel chronicling a young slave's adventures as she makes a desperate bid for freedom in the antebellum South. See more

Product Details

  • Hardcover: 208 pages
  • Publisher: Wiley; 1 edition (June 8, 2010)
  • Language: English
  • ISBN-10: 0470579757
  • ISBN-13: 978-0470579756
  • Product Dimensions: 5.9 x 0.8 x 8.8 inches
  • Shipping Weight: 12.8 ounces (View shipping rates and policies)
  • Average Customer Review: 4.4 out of 5 stars  See all reviews (24 customer reviews)
  • Amazon Best Sellers Rank: #710,336 in Books (See Top 100 in Books)

Related Media

Customer Reviews

Top Customer Reviews

By Rjm Consulting on June 8, 2010
Format: Hardcover
Right now, books about the Great Financial Crisis are almost falling out of the trees. This one really is different. Instead of (just) building the usual case about how the investment banks and bankers are greedy, evil b*stards (thinking up hyper-complicated ways to take other people's money), Kelly hammers home (even if too close to my home, it turns out!) some simple basic truths about money and personal financial responsibility. He then returns again and again to these essential rules and shows how violating them helped to create and then amplify the mess we are still in today. The rules are "fractal" in nature: they apply to the individual consumer, and to the US government, and to every sized borrower in between. (Even though his first rule of finance is, in essence, avoid or limit having to borrow.) Very quickly, you realize that those evil greedy bankers wouldn't be so damn rich if only people would stop being so incredibly stupid, financially.

The book is a fast read that I didn't want to put down - probably because in every chapter I kept stumbling over another anecdote or scenario that seemed uncannily familiar. Between pointing out the stupid financial choices we all make, and showing just what alternative choices we can make, this book keeps you thinking "yeah, he's right", and "why didn't I think of that?". I especially like the way he skewers the political extremists on both sides of the aisle, showing how financial stupidity and lazy voter apathy may combine to extend the status quo (good for the wealthy elite, not so good for the rest of us), and magnify the messes that occur.

I say, buy it, read it and keep it handy, and you won't "be one of them"!
Comment 17 people found this helpful. Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
Format: Hardcover
Kelly's book has 4 great ideas:

1. Don't spend more than 80% of your income

2. Don't carry balance on your credit card

3. Don't finance your car - pay cash for it

4. Don't put less than 20% down payment on your house

All of this is explained very clearly in Chapters 1 and 2. If you want to get the maximum benefit for the minimum amount of time, read those two chapters and skip the rest.

Chapters 3, 4, 5, and 6 tell you that big business and government work together and that they are out to screw you... as if we didn't know this. You must have the naiveté of an elementary school girl not to know about the big business lobbyist, the oil, war and health care agendas and who makes money from them, and that the whole bailout is you - the tax payer - picking up the tab for the big party Wall Street had in the last several years.

It's great to know Jason's opinion on these topics but it doesn't add much value.

Chapters 7, 8 and 9 are regurgitating Chapters 1 and 2. The last chapters don't add much else besides hype. They are like the super-excited college guys who cheer for someone else's idea.

"Hey, guys, let's get some beer and get drunk", someone says.

The guy cheerleaders then start hyping up: "yeah, man, let's get some beer, let's get crunk, let's get some beer, it's gonna be wild, yeah man, let's go for it, it's gonna be amazing, I'm getting drunk just thinking about it!". Lots of hype but no action.

I understand Jason's challenge - how do you write a whole book of 150+ pages on 4 very simple and practical ideas? The answer is layout the ideas and then fill the rest with fluff.
Read more ›
Comment 24 people found this helpful. Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
Format: Hardcover Verified Purchase
Solid common-sense approach to financial freedom - and it doesn't require a $$ investment in any program or financial consultant. You are only going to invest in yourself and reap the benefits. Also, do yourself a favor and sign up for the author's newsletter.
Comment 9 people found this helpful. Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
Format: Hardcover Verified Purchase
I am an avid reader of Jason Kelly. His financial writing abilities are unique in the sense that he breaks down complicated topics for driven and motivated individuals; I often describe his books to my friends as "an `Idiot's Guide' for non-idiots." I have emailed him with financial questions of my own, and he responds as if I'm his only reader. I would highly recommend his Kelly Letter to anyone who gets this book (and no, I was not paid to say that.)

Therefore, I was extremely excited about this new book. After finally being able to grab some time, I sat down and finished within two days. Amazingly simple to read, understand, and recommend. The first sentence of the book is the most important, cutting right to the point. And his references are colorful and magnetic, just like this comparison of a credit card to a noose: "It's [the credit card company's] own fault for creating a system based on the principle of providing enough rope for people to hang themselves. If you use the rope for something other than tying a noose around your neck, it's a good free rope."

However, Jason's book is similar to a cliché job performance review: start out by highlighting separating strengths, point out weaknesses and how they are dragging down performance, and end with another strong quality. The first 4 chapters (chapter 1 especially) of this book should be memorized by every American, and the final chapters encourage you and give you the tools to capture your own financial freedom.

But the middle (chapters 5 and 6, which comprise nearly half of the entire book, and hogged about 80% of my reading time) should be questioned. Jason dives deeply into his personal opinions, albeit admirably bipartisan, about American government.
Read more ›
Comment 6 people found this helpful. Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse

Most Recent Customer Reviews

Set up an Amazon Giveaway

Financially Stupid People Are Everywhere: Don't Be One Of Them
Amazon Giveaway allows you to run promotional giveaways in order to create buzz, reward your audience, and attract new followers and customers. Learn more about Amazon Giveaway
This item: Financially Stupid People Are Everywhere: Don't Be One Of Them