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Pay Yourself First: The African American Guide to Financial Success and Security Paperback – October 1, 2001

4.3 out of 5 stars 15 customer reviews

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Editorial Reviews

Review

* "" provides practical and easy-to-absorb lessons for financial planning ""(Essence, November 2002)

From the Back Cover

"How do we help make black America better? Jesse Brown reminds us that we gain financial success and security when we pay ourselves first."–Tavis Smiley, author of How to Make Black America Better: Leading Black Americans Speak Out

"Jesse Brown’s commonsense approach is a surefire way to watch your money grow."–Myra J., The Tom Joyner Morning Show

Achieve your financial freedom with step-by-step instructions from award-winning investment manager Jesse B. Brown. Discover the easy-to-follow, down-to-earth secret to living your dreams, whether it’s buying a new home, buying a new car, sending your children to college, retiring rich, or going on that once-in-a-lifetime vacation.

Pay Yourself First is a must-have reference guide for all African Americans who want to experience their own financial security. If you make less than $30,000 a year–or if you are simply a first-time investor–here is your financial "411" on:

  • How to get out of debt and stay out of debt permanently
  • How to avoid the most common mistakes people make with their money
  • How to put time and money to work for you instead of against you
  • Everything you need to know about today’s best investment options, including IRAs, insurance, stocks, bonds, and mutual funds

Jesse Brown has already shown thousands and thousands of African Americans how to successfully manage their money–and make even more while they’re doing it. Now you can begin your own journey to wealth. From free money for family emergencies to the fundamentals of saving and investing, Jesse Brown will give you the help you need to secure the things you want and be a winner.

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Product Details

  • Paperback: 208 pages
  • Publisher: Wiley; 1 edition (October 1, 2001)
  • Language: English
  • ISBN-10: 0471158976
  • ISBN-13: 978-0471158974
  • Product Dimensions: 6.2 x 0.6 x 9.3 inches
  • Shipping Weight: 8.8 ounces (View shipping rates and policies)
  • Average Customer Review: 4.3 out of 5 stars  See all reviews (15 customer reviews)
  • Amazon Best Sellers Rank: #1,353,504 in Books (See Top 100 in Books)

Customer Reviews

Top Customer Reviews

By K. W. Lovell on October 6, 2005
Format: Paperback
When I got this book, I couldn't put it down. After reading it, I was anxious to get started on setting my goals as Mr Brown described in chapter 16, but I hit a roadblock. Mr. Brown gives an example of the goal planner, but he didn't show how the math works to get the amount one should save each month. Mr. Brown even states,

"The following goal-setting forms will serve as a map in guiding you toward your desired financial goals. They are here to assist you in your planning. Feel free to use the formula over and over again for your actual desires."

One frustrating problem, Mr. Brown gives NO FORMULAS.

I followed up by going to Mr. Brown's company website and sending an e-mail explaining my frustration, I got a reply telling me to visit the website and click on "need a financial plan." This requires me to enter in my credit card information and be charged $25 for Mr. Brown to preform the calculations for me (the same calculations that should be outlined in Chapter 16). In addition, I get a free copy of a book that I just bought. WHAT?!

I bought this book expecting to be given the tools to be independent when setting up my goals. Or at least to understand how calculations are made before I seek out professional help. But Mr Brown only brought me halfway when he suggests ways to set up goals and then in turn doesn't fully explain them.
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Format: Paperback
Have you ever heard the term,"It is not what you make, but what you keep?" Jesse Brown shows his readers that it does not matter if you earn $30,000 or $300,000, you must pay yourself first to achieve financial success. His basic formula for maximum growth is time + consistency + interest. Mr. Brown builds upon this simple formula to show African Americans how to achieve and maintain wealth.

PAY YOURSELF FIRST is a reader friendly financial planning guide. At the end of each chapter there are short quizzes for the reader to gauge their understanding of the material covered. I found this to be very helpful as the subject of finance can be confusing. The book also doubles as a workbook with a section for readers to put what they have learned into action. After reading this book, I felt empowered to take charge of my financial success and become an investor and not just a saver.

Reviewed by Aiesha Flowers

of The RAWSISTAZ Reviewers
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Format: Paperback
This book does a very good job of divulging some very disturbing financial trends that, while on the one hand are not limited to African Americans, on the other hand they tend to disproportionately affect African Americans. The target demographic of this book appears to focus in particular on African American women, primarily the single female with one or more dependents. The book is written to a lesser extent with other demographic sub-groups in mind. That said, the book is nonetheless a very useful introduction to the subject of money matters, which sadly is a topic in dire need of discussion within the African American community.

The book contains a number of good points, the best of which are the following: knowing where your money goes and having a goal, using time to your advantage (as opposed to letting others use time against you, like most of us do), developing an emergency fund before you begin saving and investing (which too few of us do, even if we do save and invest), emphasizing the importance of credit, credit ratings and the wise use of credit, paying cash for most of your purchases, presenting the perils of being dependent on a person or institution for some or all of your livelihood, unlearning bad money habits and learning good money habits, and reminding the reader that not taking control of one's destiny has dire consequences.

To be honest, the book also has a number of key demerits. First, the author's financial compounding examples do not factor in mutual fund expenses and taxes. Second, contrary to what the author believes, buying a house is not always the wisest investment, even though (and this is generally speaking) houses usually appreciate in value (he also neglected to discuss the hidden expenses associated with a house).
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By A Customer on October 16, 2001
Format: Paperback
Thanks for writing this book. Your introduction to my life is quite timely. Things don't just happen, they happen Just. (Smile) Keep up the good work! Your contribution to life and our community is a great and needed work, thanks!
Sonya Harris
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Format: Paperback
This book is a good introduction to personal finance. It makes one think about how they are handling their money and gives new perspectives on what should be done with money to be more prosperous. That's great, but I wish the book would give more detailed instruction on how to get started. If one is looking for help in getting started on a budget and finding ways to help manage their money to start saving and investing, they will need another book to illustrate that process more clearly.
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Format: Paperback
Living paycheck to paycheck I thought that there was no way to save any money for our future. PAY YOURSELF FIRST helped me realize that I can reach my goals and dreams with just alittle sacrafice. Now I'm well on my way to reaching my first goal; a family vacation!
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