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Crystal Oculee is the author of Your Personal Money Diary. She is an experienced, licensed, retirement income strategist, national financial motivational speaker, Personal Money Trainer™, and radio personality. She has appeared on KFI, KTLK, KRLA, KDAR, and KKLA and has been featured on CBS News and at numerous conferences including the California Women's Conference and Los Angeles Women's Expo. Crystal has always worked towards empowering women by giving them the tools to help them get the results they want in a world where women can be disadvantaged. She is passionate about helping women deal with the unique financial challenges they face—without using a ''one size fits all'' solution that has traditionally been used. With a deep understanding of women's issues and a passion for change, she has taught thousands of women to take positive action in their lives and stand up for themselves.
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Reviewed in the United States on November 30, 2017
Verified Purchase
I loved the book because it’s very easy to read. You don’t have to have an advanced knowledge in finances to understand it. I also like that it can be applied to different people, whether you’re just starting or if you have already made a solid retirement plan. I also liked that at the end of the book I had a feeling I knew the author because she shared her own story. So not only it’s about finances, it’s about real life and real financial challenges people face everyday. I’m young and I didn’t think about retirement or even simply having a financial plan. The book definitely gave me some tips of how I can start controlling my spending and the most important thing, it made me think about starting to build a plan for my future, because our present becomes our future. I feel like we need more books like this, because no one teaches us about finances in school or in college. We should seek the information ourselves and be prepared for anything. I am glad I took the first step.
Reviewed in the United States on November 29, 2017
Verified Purchase
I saw the author on CBS news and thought she did a great job of clearly explaining the often confusing difference between retirement resources that are income and those that are investments. Intrigued, I bought her book. The book is an easy read. Using lessons from familiar fairytales, the author illustrates why women often find the world of finance baffling. She alerts the reader to many potential traps and presents actions to take to avoid them. She outlines how to tell if your financial advisor is Prince Charming or a villain. She challenges her female readers to take charge of their own financial futures. Thank you for your review.
Reviewed in the United States on November 27, 2017
Verified Purchase
This is a valuable book that everyone should read. It helps break it down in layman terms for those who are not financially savvy. The author breaks it’s down in terms of tales so it’s very easy to follow. The book also gives ideas on how to look for the right financial advisor as well as how to break up with one if someone is having a hard time leaving one. It gives great guidance to those who are not familiar with the financial industry and how to educate themselves with the book. It’s easy to follow in terms of reading, fun, and gives great tips. This would be a great gift for the holidays or a stocking stuffer given the time of the season. Also perfect timing for those who intend on spending more than they should during the holiday season.
I’ll read just about anything suggested by Oprah, but I was extremely pleased with this book in particular. Getting older and loosely wanting to learn more about how to take care of my finances, this book made me really open up my eyes and be serious about my future. The book was very helpful and I will definitely be recommending it.
Author Crystal Oculee's incredible passion for women's financial independence is evident and inspiring. Both relatable and knowledgable, Crystal's expertise is apparent. A must read.
Ever read a book you thought was good, but to which you had a hard time relating? In Money Confidence Crystal Oculee uses fairy tales to illustrate how women allow others to control the most important thing in their lives--their money. Many are waiting for Prince Charming to rescue them rather than taking things into their own hands and making things go their way.
Investments and the stock market have always fascinated me and I've generally handled the investments at my house, or at least been a well-informed partner when my husband handled them. On the other hand, my intelligent competent mother never fooled with any of that. She didn't have to ask Dad for money--the checkbook was in her purse to use as desired, but she didn't do the taxes or make the investment decisions. Before it became apparent that my mother was going to be the first to die, my dad showed me where all the investment information was and told me that we were going to have to take care of Mom after he was gone (and of course Mom's last words to me were to take care of my dad).
In any case this book reminds us that financial advisers are rarely Prince Charming, and that if one is doing something you don't understand and won't answer your questions, he probably isn't working in your best interest. Oculee suggests that you CAN do it yourself and as one who has fired a financial planner who made more from my account that I did, I agree. Another thing she points out is that while men are generally able to compartmentalize relationships and treat business and professional relationships as straightforward barters, women tend to get emotional. While, in general, men don't feel bad about firing someone who isn't performing, women do. We tend to be more concerned that the needs of others are being met than our own (yup, that's me too), and will make excuses for those who don't perform.
Another chapter discussed 401(k)s and the mistakes people make with them--both men and women. Unlike the old-fashioned pension that was handled by professionals, individuals need to be aware of the investments in their 401(k)s, the amounts of their contributions and what to do when they leave a job.
Oculee works as a financial advisor and she gives tips on how to hire one--the most important being to decide what you want, at least in my opinion. I think that was part of the problem we had with ours--we wanted advice about things that weren't his strengths and didn't need what he was selling.
Finally Oculee spends some time talking about risk and then looking at the major investment choices.
If you are a women who has never taken command of her finances, this book is for you. It is interesting, easy to read and filled with useful information. Grade: B+
I’ve never invested in a book like this but I’m THRILLED I did. After reading this I have such a better understanding and confidence about my finances and being a better partner to my husband reguarding our finances. I would recommend this book to just about everyone and with the brilliant writing it was easy to follow and enjoyable to read. Thank You Crystal sharing your knowledge.