- Hardcover: 224 pages
- Publisher: Portfolio; 1st edition (March 31, 2015)
- Language: English
- ISBN-10: 1591847559
- ISBN-13: 978-1591847557
- Product Dimensions: 5.8 x 0.8 x 8.6 inches
- Shipping Weight: 12 ounces (View shipping rates and policies)
- Average Customer Review: 211 customer reviews
- Amazon Best Sellers Rank: #45,140 in Books (See Top 100 in Books)
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The One-Page Financial Plan: A Simple Way to Be Smart About Your Money Hardcover – March 31, 2015
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“In a world where financial advice is (often purposely) complicated and filled with jargon, Carl distills what matters most into something that is easy and fun to read. The true measure of a brilliant book is whether the material is as relevant to an industry expert as it is to a layperson. The One-Page Financial Plan unquestionably is. Buy two copies—one for yourself and one to hand to the nearest pundit.”
—Morgan Housel, columnist, The Wall Street Journal
“There are very few financial writers who have been more influential for me than Carl Richards. Carl has done more to simplify the investing process than anyone else in America. His trademark combination of wit and illumination make The One-Page Financial Plan an instant classic in the genre. Don't invest another cent before you've digested this highly readable lesson.”
—Joshua M. Brown, CEO of Ritholtz Wealth Management and author of Backstage Wall Street
“No one in the financial industry communicates like Carl Richards. And this is a skill especially evident in The One-Page Financial Plan. If you’re skeptical that an effective plan for your life and your money can be limited to a single page, I encourage you to put Carl’s process to the test. I’m confident that, like mine, your time and effort will be well rewarded.”
—Tim Maurer, wealth advisor for Buckingham Asset Management and Forbes contributor
“Feeling tormented by your finances? Read this book. Now. The One-Page Financial Plan helps you identify what you truly want from life, get crystal clear about the financial position you are starting from today, and develop a simple, actionable plan to narrow the gap between the two.”
—Manisha Thakor, Director of Wealth Strategies for Women at Buckingham and the BAM ALLIANCE
About the Author
CARL RICHARDS is a certified financial planner and a columnist for the New York Times, where his weekly Sketch Guy column has run every Monday for over five years. He is also a columnist for Morningstar magazine and a contributor to Yahoo Finance. His first book, The Behavior Gap, was very well received, and his weekly newsletter has readers around the world. Richards is a popular keynote speaker and is the Director of Investor Education for the BAM ALLIANCE. You can find his work and sign up for his newsletter at behaviorgap.com. Richards lives with his family in Park City, Utah.
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Top customer reviews
1. Defining WHY money is important to you is the single biggest factor in a financial plan.
2. Having a written plan, even if it's on a napkin, makes a huge difference in achieving success. If not written down, you'll forget the plan and prevent people from asking you meaningful questions about the plan.
3. The silver lining to our financial mistakes ... which we ALL make ... is to leave a trail. A written timeline of what we did right and what we did wrong.
If you had told me I would benefit from a financial planning book written by a man who went bankrupt, I would have laughed in your face. But I did, and I'm grinning with enjoyment, not laughing at him.
Richards writes: “My goal in writing this book is to pull the curtain back a bit: to show you how real financial planning works, to give you an experience of what it’s like to work with a real financial advisor.” The book is clearly organized and has four parts: 1. Discovery; 2. Spending and Saving; 3. Investing; and 4. Strategies for Avoiding the Big Mistake. The first part (“Discovery”) is foundational for the rest of the book. Here, instead of offering a one-size-fits-all financial plan, Richards encourages us to reflect on our values, using the question, “Why is money important to you?” Once we have determined why money is important, we are in a position to move on and identify three or four financial goals. The next two parts of the book (“Spending and Saving” and “Investing”) cover the topics we might expect to find in a personal finance book, including budgeting, saving, insurance, borrowing and investing. In Part 4 (“Strategies to Avoid the Big Mistake”) Richards recommends hiring a “real financial advisor” and also what is sometimes called “staying the course.” For Richards, this translates as, “Behave, for a really long time.”
Richards writes using a conversational tone, and shares personal examples from his own work as a financial planner as well as from his own life. He is candid about mistakes he himself has made. He anticipates and answers objections and makes helpful suggestions. As we might expect from the author of The Behavior Gap, Richards uses to good advantage his understanding of the role emotions play in the financial decisions we make.
To anyone interested in developing a personal financial plan, I recommend this book as a very helpful guide.
Disclosure: I received a review copy of the book from the author, who requested a review that would be “honest, good or bad.”