Your Money: The Missing Manual Kindle Edition

4.5 out of 5 stars 57 customer reviews

ISBN-13: 978-0596809409
ISBN-10: 0596809409
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Kindle, March 4, 2010
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Editorial Reviews


If you need a book on personal finance, Your Money: The Missing Manual is a solid choice. It gets all the important stuff right, and does a great job of distinguishing between that stuff (that you have to get right) and the peripheral stuff (that you can do any of several different ways, as long as you do it).

-- Philip Brewer,

About the Author

J.D. Roth is an accidental personal-finance expert--a regular guy who found himself deep in debt. After deciding to turn his life around, he read everything he could about money and finance. In 2006, he started the award-winning website Get Rich Slowly, which Money Magazine named the Web's most inspiring personal-finance blog. Over the past four years, Get Rich Slowly has grown into an active community where thousands of readers a month share ideas on how to improve their financial lives. J.D. lives with his wife and four cats in a hundred-year-old house in Portland, Oregon.

Product Details

  • File Size: 1093 KB
  • Print Length: 336 pages
  • Page Numbers Source ISBN: 0596809409
  • Simultaneous Device Usage: Unlimited
  • Publisher: O'Reilly Media; 1 edition (March 4, 2010)
  • Publication Date: March 4, 2010
  • Sold by: Amazon Digital Services LLC
  • Language: English
  • ASIN: B003QMLBR0
  • Text-to-Speech: Enabled
  • X-Ray:
  • Word Wise: Enabled
  • Lending: Not Enabled
  • Enhanced Typesetting: Not Enabled
  • Amazon Best Sellers Rank: #400,945 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
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Customer Reviews

Top Customer Reviews

Format: Paperback
I liked the blog (not quite so much anymore, though, with all the new writers). The blog is why I picked up this book. But while it's fun to go when you're at work to read a short personal finance thing for a brief diversion, a bunch of blog posts strung together makes a bad personal finance book.

Unlike other reviewers, I think this book was poorly organized. This book is written for those with a basic level of personal finance knowledge and Roth occasionally patronizes (with examples like "Karen Kashout" and "Joe Spendsalot"). And I don't know I'm the only one, but I thought the font was annoying.

It's written at the level of Dave Ramsey's Total Money Makeover (Roth used Ramsey's system to get out of debt), but it's JD Roth's Total Money Life, covering everything from salary negotiations to buying a new car to getting out of debt to budgeting to investing to charity to quitting your job in a book that is simply too short for that. To compensate, he gives lots of references, including using annoying tiny urls for websites. When I want to go to vanguard, I don't want to put in tinyurl.@$#$^. I'll put in It's easier. I can remember I was reading the book and kept thinking, if I want information on how to negotiate my salary, I'll google it. Or I'll read Jack Chapman. If I want advice to get out of debt, I'll read Dave Ramsey. Roth's little blurbs might be fun to read on his blog, but I don't think they serve the people who need his book.

Roth isn't a money guy. He's a writer. He doesn't have a real system for personal finance; he's just a guy who successfully got out of debt. Using Dave Ramsey's plan.

This book seems to be all over the place and feels disjointed.
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Format: Paperback
I first got interested in J. D. Roth's personal finance writings through his Get Rich Slowly blog. There, he talks about what he's discovered when it comes to getting (and staying!) out of debt, saving money, and other various topics related to your hard-earned dollars. When I heard he was writing Your Money: The Missing Manual, I was excited to get a copy to read and review. I wasn't disappointed, either. This is the perfect book to give someone who is trying to dig out from a mountain of debt, or more ideally, to someone who hasn't yet fallen into that trap. Either way, the value of the information here is priceless if read and followed.

Part 1 - Blueprint for Financial Prosperity: It's More Important to Be Happy Than to Be Rich; The Road to Wealth Is Paved with Goals; "Budget" Is not a Four-Letter Word; Defeating Debt
Part 2 - Laying the Foundation: The Magic of Thinking Small; How to Make More Money; Banking for Fun and Profit; Using Credit Wisely; Sweating the Big Stuff; House and Home; Death and Taxes
Part 3 - Building a Rich Life: An Intro to Personal Investing; Retirement - The Final Frontier; Friends and Family

To understand where Roth comes from, it helps to know a bit of his story. He found himself $35,000 in debt a decade after college, with no real knowledge of how to manage the money that was going out faster than it was coming in. Add the purchase of a 100 year old house on an already-stretched budget, and he was desperate for change. He started devouring all the books and magazines he could find on money matters, breaking down the jargon and information into understandable chunks. He began to share this information on his Get Rich Slowly website, in hopes that he could help others in the same situation.
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Format: Paperback Verified Purchase
I am a longtime reader of J.D.'s blog so I've been waiting for this book for awhile. It came in the mail today and already I can tell you, it is sooo good. I was worried that many of the topics covered would be a review from his blog writing. This is not a rehash/review of the blog. This book provides seriously enhanced and deeper knowledge in a structured, useful way. I like the way J.D. points out what he thinks and how tools and tips are useful and he also points out drawbacks or situations in which you may want to consider other paths. For example, as he cites in the book, his path for getting out of debt is closely aligned with Dave Ramsey's plan, which worked for him (and me) but he also provides slightly different options that might fit your needs or priorities better but will still achieve results.

As always, J.D. is readable and relateable. His book is well-organized and provides step by step suggestions and instructions on getting out of debt, focusing on what is important, learning to curb your spending and doing what makes sense for you.

The tips, notes, and website suggestions are excellent. I'll be using this as the text for the financial literacy class my husband and I teach at our church. I've already been quoting J.D. to our current class and we've all truly latched onto "The perfect is the enemy of the good" --too many people don't get started in tackling their finances because they are looking for the perfect first step... "Action beats inaction" I know personally, and from others in my class, these are big hurdles we create ourselves that prevent us from moving forward. J.D. named them and in doing so, helped us remove them and do something. I think these are J.D.'s words, but if not, they are a great example of the exhaustive reading and research he does to compile an excellent book full of resources so that you don't have to go out and read all of the other books and research.

Highly recommended!
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