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Get WalletWise: Proven and Powerful Personal Finance and Budgeting Tips for Finding Financial Freedom and Living a Debt-Free Life by [Ken Remsen]

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Get WalletWise: Proven and Powerful Personal Finance and Budgeting Tips for Finding Financial Freedom and Living a Debt-Free Life Kindle Edition

4.8 out of 5 stars 22 ratings

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Editorial Reviews

Review

Get WalletWise is a practical text that is aimed at helping people develop financial literacy—and avoid easy options that have long-term consequences.
Ken Remsen proffers tips for developing one's financial skills, even after challenges, in 
Get WalletWise.

First exploring common money-related pitfalls, as with credit cards and high-interest student loans, the text suggests that people learn to live within their means; it calls this the key to financial freedom. It also addresses the financial troubles that lead from legal entanglements or issues of addiction, which are catastrophic for bank balances. It notes that many financial options, including payday loans, rent-to-own outlets, and credit cards, encourage making bad financial decisions. To avoid personal debt, Remsen suggests developing a "low threshold for excitement," with advice to buy cars used, buy smaller houses, and adopt inexpensive hobbies. Such arguments are familiar, following the adage to spend less and save more.

Taking a bootstrap approach to finances, the text argues that the savvy people avoid easy solutions, and opt instead to save and invest. It gives concrete suggestions for what people should do about their credit cards and how they should avoid scams; it is directed by tough love sensibilities. Beyond its general philosophical advice, it includes plenty of specifics, too, from suggesting budgeting applications to advising people on how to craft their budgets; it even suggests which cars a person might buy. Its structure is diagnostic: each chapter focuses on a different problem, which is broken down in clear terms and formatted for easy reading. Clip art graphics and charts are used to clarify its points on topics like the importance of gap coverage for new cars.

Strong and didactic in tone, this is an approachable book that ably explains how people get into financial trouble, but that is also clear about ways of getting out of such trouble. Its is a conservative framework for rebuilding a person's financial life after making bad decisions; it cites like-minded financial giants, including Suze Orman and Dave Ramsey, frequently. Its personal anecdotes make it even more credible: Remsen says that he did not save money early on, because he was "too busy treading water financially." The text concludes with broad recommendations for new habits that people might adopt, including values like reliability, honesty, and willingness to learn from one's mistakes.

Get WalletWise is a practical text that is aimed at helping people develop financial literacy—and avoid easy options that have long-term consequences.

Reviewed by Jeremiah Rood
Editor, Foreword.
October 17, 2021

In our complex world of money, a lot of people don't know where they stand financially. They might have a hunch, but there's usually nothing concrete to back it up—no budgeting, checkbook balancing, or attention to financial statements. Their finances are on autopilot because that seems to be the path of least resistance. But therein lies the paradox because nothing seems to be more important than one's credit report in the game of life. It is the premise on which most people build the foundations of their financial life. Are you struggling with budgeting? Do you need to improve your credit score? Are you desirous of getting your finances in order? This book is for you!

Get Wallet Wise by Ken Remsen is a very practical book. It's divided into two sections and details the nitty-gritty of cultivating and maintaining healthy financial habits for anyone who wishes to get ahead in life. In the first part, Ken deals with the life and money mistakes people make and how they impact their finances. These mistakes—addictions, smoking, gambling, credit card debt, etc.—are addressed and analyzed individually. In the second part, the author laid out actionable steps to help readers organize their finances and move ahead. Here, Ken touched on real estate, budgeting, improving credit scores, developing healthy financial habits, etc.

I was impressed by the practical and personal nature of the book. From the first page, there were lessons that I could take—and anyone else too—and apply immediately to current situations. I appreciated this. The author didn't try to fill up this book with ambiguous and irrelevant information. He avoided technical jargon as he walked me through the process of becoming financially savvy. Ken wrote this book primarily for an American audience, but some of the financial gems and principles I found could be applied globally. Ken also made it clear he wasn't a know-it-all and that this book wasn't intended to take the place of advice from solid legal and financial experts.
Jachike Samuelson, Online Book Club, October 27, 2021




This is a great book, especially in the times that we are living in now. There is much love and understanding that needs to be introduced into the world that we are missing, which is stopping us from achieving our goals and pushing through this problem.
I certainly think that this will be helpful to whoever gets a chance to read it.  I think this is a lovely book that will touch people and provide valuable emotional and mental health help.
At the moment, it reads like a lovely inspirational piece and I am looking forward to seeing it published!
 
Great work!

Word-2-Kindle
 
A debut manual offers wide-ranging advice on all kinds of financial matters.

   "Don't be a victim any longer," Remsen writes in his bracing book. "Learn the habits of being competent financially." In a series of densely detailed chapters, the author takes readers through the widest possible spectrum of the financial world, touching on everything from taxes and inheritances to 401(k) programs, retirement entitlement benefits, and the creation of a personal budget. He looks at an array of ways to build personal savings and a variety of obstacles to that goal. He devotes large amounts of time to giving advice to groups that are typically financially vulnerable: the
 young, retirees, and particularly people who've had serious financial setbacks and want to recover from them. His pointers are always granular and practical, and he prevents this from being overwhelming by frequently shifting to an anecdotal storyteller mode (at which he's thankfully very good). For example, a discussion of the money matters surrounding car ownership and care ("Cycling through cars is an expensive habit," he writes) is colored by the author's own stories of the favorite autos in his life. He discusses rentals, the purchase of a home, travel, retirement accounts, credit scores, and a large number of other financial issues, frequently including photographs and charts to illustrate his points. He also includes website URLs for readers to take advantage of online resources.

Everything from credit issues to the financing of pet care is addressed

   Despite the clarity with which Remsen consistently reminds his readers how important good financial practices are to all aspects of life's comforts and ambitions, the best part of his book is his infectious high spirits. If you want to have a successful financial life, he insists, you must have a positive attitude—it's his strongest suggestion. Develop a healthy plan for dealing with the inevitable hurdles in life, the author advises. "It's difficult, but you will have to reduce the negative emotions," he writes. 
"You can build resilience. Have a little grit. I know you can do it!"
 
This personal, inspirational undertone raises the book above most of its counterparts in the financial advice market; the stamp of Remsen's own personality makes his pragmatic tips feel both more immediate and more trustworthy. The characteristics he ascribes to the monetarily successful—that they're reliable, honest, resilient, and good with numbers—are presented in a steady, inclusive tone that assures readers they can become financially triumphant regardless of any money mistakes they may have made.

The key is change: 
The financially successful set, he insists, believes in self-education about money—no matter how bad some people are at managing their funds, they can always learn ways to improve.

His strongest note is one of self-empowerment; he's constantly warning his readers not to be victims. Financial competence is a skill that can be learned—and it is in any case not the be-all and end-all of existence.
 "Life is not money," he writes. "It is authentic relationships." This healthy perspective infuses every aspect of Remsen's extensive counsel.

A compassionate and richly empowering guide to renovating your finances.

Kirkus Reviews, May 2022

From the Back Cover

Get WalletWise
  • Understand how credit cards, personal loans, and debtconsolidation companies work.
  • Grasp how to establish a budget quickly with included guide.
  • Calculate your net worth.
  • Learn how to buy or rent real estate.
  • Learn how to buy a car.
  • Reduce your spending by avoiding unnecessary expenses.
  • Master the basics of savings and investing.
  • Learn how to avoid predatory lending, such as payday loans,rent to own stores, and "buy here pay here" car lots.
  • Understand that divorce, DUI and other legal calamities cantorpedo your finances.
  • Learn about how to navigate the Student Loan industry.
  • Learn the best side hustles that don't put your finances atrisk.
  • Explore your relationship with money. Change your belief systemabout money so you can change your bad habits that sabotage financial health. 
Ken Remsenis the founder of WalletWise, LLC, a Financial Coaching business that helpspeople become debt free. Remsen has seen firsthand the obstacles Americans facewith their finances.
Ken, a highschool math teacher, taught the National Endowment for Financial Education highschool financial planning program course to his students in school.
Ken has a BAin Real Estate and Urban Land Economics from the University of North Floridaand is a first-generation college graduate. A licensed real estate broker andprofessional real estate appraiser by age 20, has brokered dozens of realestate transactions and he developed a mobile home park. His favorite deal wasmoving the post office in his hometown and his favorite project was working onthe I-595 project in Broward County, Florida. He has professional real estateproperty management experience, including a Church Campus.

 

Product details

  • ASIN ‏ : ‎ B09FY91V6Y
  • Publisher ‏ : ‎ WalletWise, LLC; 1st edition (September 9, 2021)
  • Publication date ‏ : ‎ September 9, 2021
  • Language ‏ : ‎ English
  • File size ‏ : ‎ 14357 KB
  • Text-to-Speech ‏ : ‎ Enabled
  • Screen Reader ‏ : ‎ Supported
  • Enhanced typesetting ‏ : ‎ Enabled
  • X-Ray ‏ : ‎ Not Enabled
  • Word Wise ‏ : ‎ Enabled
  • Sticky notes ‏ : ‎ On Kindle Scribe
  • Print length ‏ : ‎ 344 pages
  • Customer Reviews:
    4.8 out of 5 stars 22 ratings

About the author

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As a money expert, Ken Remsen founded WalletWise, LLC, a Financial Coaching business, that helps people become debt free. Unlike many money experts, Ken did not grow up in an affluent home. Ken has seen firsthand the obstacles his family faced with their finances. His family had very little savings and spent borrowed money on unnecessary expenses.

Ken earned a degree in real estate and urban land economics from the University of North Florida by working full time in real estate. He worked during the day and scheduled his classes at college two days a week. He graduated with a four-year degree in three years.

For 3 decades, Ken has studied finance, bought and sold real estate and paid off all personal debt to help create a six-figure stock portfolio. Ken has experience managing and executing a Family Trust.

Ken Dedicates his Service to You

He is dedicated to help you get out of unnecessary debt and reduce your money anxiety. Ken wants you to avoid predatory lending scams, money missteps, and find happiness through living on less that you earn. He wants to teach you how to create positive money habits.

Best-Selling Author

Ken has just released his first book, Get WalletWise, the book that summarizes the many money principles Ken recommends.

Resource Filled Website

Ken’s fills his website www.walletwise.org with money resources to help you shop for the best credit card for you, download forms to help you manage your money, reduce your debt and contains a blog www.walletwise.org/blog with posts that revolve around personal finance.

In addition to writing about all things personal finance, Ken enjoys reading, cycling to keep in shape and spending time with his friends in Toastmasters and the Central Florida Guild of the National Speakers Academy.

Customer reviews

4.8 out of 5 stars
4.8 out of 5
22 global ratings
5 star
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4 star
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1 star 0% (0%) 0%

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Reviewed in the United States 🇺🇸 on February 11, 2022
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5.0 out of 5 stars The Financial Instruction Manual that they forgot to give us
By Tiffany Theen on February 11, 2022
Ken Remsen does a fabulous job outlining and avoiding money missteps that we get ourselves into such as credit card debt, why some debt consolidation companies are not always good, and how addictions affect your finances.

Ken then breaks down the steps on how you can take control of your finances again. As a high school math teacher, I wish we had something like this to give to our students so that they can at least be prepared and aware of the tactics some of these loan providers pull when they go out in the real world.

I highly recommend this book to anyone.
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