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Get Good with Money: Ten Simple Steps to Becoming Financially Whole Hardcover – March 30, 2021
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“No matter where you stand in your money journey, Get Good with Money has a lesson or two for you!”—Erin Lowry,bestselling author of the Broke Millennial series
Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her ten-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide answer their most pressing financial questions: How to pay off debt? How to save money? How to build wealth?
Revealing this practical ten-step process for the first time in its entirety, Get Good with Money introduces the powerful concept of building wealth through financial wholeness: a realistic, achievable, and energizing alternative to get-rich-quick and over-complicated money management systems. With helpful checklists, worksheets, a tool kit of resources, and advanced advice from experts who Tiffany herself relies on (her “Budgetnista Boosters”), Get Good with Money gets crystal clear on the short-term actions that lead to long-term goals, including:
• A simple technique to determine your baseline or “noodle budget,” examine and systemize your expenses, and lay out a plan that allows you to say yes to your dreams.
• An assessment tool that helps you understand whether you have a “don't make enough” problem or a “spend too much” issue—as well as ways to fix both.
• Best practices for saving for a rainy day (aka job loss), a big-ticket item (a house, a trip, a car), and money that can be invested for your future.
• Detailed advice and action steps for taking charge of your credit score, maximizing bill-paying automation, savings and investing, and calculating your life, disability, and property insurance needs.
• Ways to protect your beneficiaries' future, and ensure that your financial wishes will stand the test of time.
An invaluable guide to cultivating good financial habits and making your money work for you, Get Good with Money will help you build a solid foundation for your life (and legacy) that’s rich in every way.
- Print length368 pages
- LanguageEnglish
- PublisherRodale Books
- Publication dateMarch 30, 2021
- Dimensions6.4 x 1.2 x 9.4 inches
- ISBN-100593232747
- ISBN-13978-0593232743
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Get to know this book
What's it about?
This book is about a ten-step plan for finding peace, safety, and harmony with your money.
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Financial wholeness is when all the aspects of your financial life are working together for your greatest good, your biggest benefit, and your richest life.1,139 Kindle readers highlighted this
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I’ve learned that some of my life improvement plans should be shared on a need-to-know basis, and not everyone needs to know!763 Kindle readers highlighted this
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To get good at saving, you’ve got to move from the habit of saving to spend money to saving to make money.692 Kindle readers highlighted this
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Editorial Reviews
Review
“Get Good with Money helps you put all the pieces of your financial life together without making you feel overwhelmed or ashamed about your circumstances. Whether you need to budget better, slash debt, and save more money or learn to invest, boost your net worth, and build wealth, Tiffany Aliche offers great advice to let you know you can do this, sis!”—Lynnette Khalfani-Cox, The Money Coach, New York Times bestselling author of Zero Debt: The Ultimate Guide to Financial Freedom
“Tiffany Aliche is better than a financial expert—she’s an actual teacher. She’ll take you by the hand and walk you through the ten steps to help you ‘get good with money’ and she’ll do it with candor and without judgment. I’m a fan!”—Jean Chatzky, New York Times bestselling author
“I’m so inspired by Tiffany Aliche’s own story of digging out of deep debt and building back her credit and her cash flow. Get Good with Money will soon have you believing in your own ability to set yourself up for a life that’s rich in every way.”—Farnoosh Torabi, financial expert, author of You’re So Money, and host of So Money podcast
“Aliche’s guidance shines in the practical, spirited advice . . . [Her] can-do attitude makes this an excellent primer for anyone looking to improve their financial picture.”—Publishers Weekly
About the Author
Excerpt. © Reprinted by permission. All rights reserved.
Before We Begin: Get to Know Financial Wholeness
Seven years after starting my business I was making more money a month than I used to make in a year teaching preschool. I had more than enough to live on and was able to dig myself out of my financial hole. I paid off the $35,000 in credit card debt that I’d accumulated from my run-in with Jack the Thief and the overpriced business course (see the introduction if you want to relive all that with me!), and I also paid off my $52,000 student loans. Once I was debt-free I was able to save almost 70% of my income and paid cash for a car (used, but certified and new to me) and a new house. The house was a foreclosure and therefore seriously discounted from what would have been the market price, but it was still a very big ticket item: $180,000. I was even able to pay off the remaining $120,000 on my parents’ mortgage. By most people’s standards, I was rolling in it!
But even though I was doing so well, I was more scared than I ever had been when I was a teacher and making so much less. In fact, despite making so much less then, I’d never been scared about handling my money at all when I was a teacher. So why was I so obsessed with having zero debt and stashing money away just in case? The short answer is that losing everything during the Great Recession had been traumatic, and I was emotionally scarred. I was living in a state of financial fear.
My own financial fears were obviously brought on by actual events—things that happened (and that I could have handled differently)—and so I felt I had a rational reason to fear financial downfall, but really it was an irrational fear of them happening again. Many people, including my former self, understandably live in financial fear based solely on the possibility of financial disaster. If the global pandemic of 2020 has taught us all anything, it’s that the unknown and unpredictable do happen—jobs and income and stability can disappear due to something simply in the air!
But when you are financially whole in the way I’ll teach you to be, you won’t have to live in fear of all that. You’ll have a plan for each area of your finances so that they are constantly working on your behalf, regardless of where you currently are in life. Financial wholeness has nothing to do with the tax bracket you’re in. Anyone, regardless of their income level or employment status—whether you’re making minimum wage or you’re a millionaire—can and should actively work toward becoming financially whole; its principles are relevant and applicable to all. Financial wholeness doesn’t stabilize just one aspect of your financial life, but all aspects of your financial life. This is why it can help you manage and sometimes even thrive during financially traumatic times.
The True Freedom of Financial Wholeness
Lots of financial advisors preach the power of financial freedom, or the idea that it’s possible to have enough money to support your lifestyle without having to work anymore. Sounds good on paper, right? But my own experience shows loud and clear that this kind of freedom won’t make you feel truly free. Despite my postrecession comeback, I was more on track financially as a teacher than I was as a burgeoning business owner earning much more. Why? Because as a teacher, I had a savings strategy, a debt payoff plan in place, a good credit score, adequate insurance for where I was in life, and I knew where my assets would go if I died (my sisters). I had an automated retirement account to which I contributed the maximum allowed each year. I had an emergency savings account and even had multiple streams of income from teaching, babysitting, and tutoring.
When I was financially free, I had a large cash reserve, but I hadn’t achieved many other critical financial pillars I needed to feel secure. I had never adjusted my insurance to cover my new way of life. I didn’t have a clear retirement plan that reflected my newfound standard of living, either. I didn’t have an updated estate plan or a way to grow and sustain wealth versus just save money. And I still didn’t have any place to go for professional financial advice. I was actually losing money because my fear kept me from investing in ways that could grow my wealth beyond my own earnings. Seriously—one financial planner I considered hiring laughed at me for having a ton of money in the bank and hardly any in my retirement account.
I was not at all a millionaire as a teacher. But I was maximizing my income and I had a clear plan in motion for each area of my finances. To repeat: I felt more secure making $39,000/year teaching preschool than I did as a business owner making more than $39,000/month. Just goes to show that a strong foundation can be built with much less than you think. And that wealth is more than just money in the bank!
The Ten Steps of Financial Wholeness
Even though I haven’t taught in a classroom in many years, I still think in terms of lesson plans and in this book it’s no different. There are ten lessons you need to learn, ten areas of your finances that need to be working in sync for you to get to financial wholeness. When all ten of these facets are in place, you’ll have a strong financial foundation—and that means it would take a lot to knock you down.
Financial wholeness is when all the aspects of your financial life are working together for your greatest good, your biggest benefit, and your richest life.
We’re going to take this a step at a time in the pages to come, but for now here’s the big picture. Here are the ten steps:
1. Budget Building: Learn how to create and semiautomate (automated transfers, bill pay, etc.) a personal budget and open the necessary checking and savings accounts to support your budget.
2. Save Like a Squirrel: Calculate your savings goal number that’s needed to meet at least three months of essential expenses for your household. Then calculate how much you need to save in each category of savings: emergency, goals, and investing. Learn how to prioritize and automate transfers to your savings accounts.
3. Dig Out of Debt: Get a clear picture of who and what you owe by writing down the components of your debt (i.e., amount owed, interest rate, due dates, etc.). Then choose a debt repayment strategy and use your bank’s online bill pay to automate your payoff plan.
4. Score High (Credit): Request your free FICO credit report and score to see where you stand. Make a list of the factors that are impacting your score and come up with a game plan to increase it to a 740 or higher.
5. Learn to Earn (Increase Your Income): List all the ways you’ve contributed value at your job in the last few years to make a good argument for a raise. Uncover your side hustle potential by making a list of the tasks you do at work, your education, and current skill set. Develop an action plan that lists what you’ll do next to increase your income.
6. Invest Like an Insider (Retirement and Wealth): Identify your retirement and wealth goals. Create and implement your investment plans with the help of your Human Resources representative, a certified financial planner, online tools, or by yourself. Commit to consistent contributions toward investing, to learn to leave it alone, and to give it opportunity to grow.
7. Get Good with Insurance: Make sure you have proper insurance coverage. That means understanding and calculating your needs around health, life, disability, property, and casualty (e.g., home and auto).
8. Grow Richish (Increase Your Net Worth): Learn how to calculate your net worth (owning more than you owe) and how to achieve, increase, and maintain a positive net worth. Create a net worth goal and define actions you’re going to take each month to achieve your goal.
9. Pick Your Money Team (Financial Professionals): Find reliable and trustworthy financial professionals (i.e., certified financial planner, insurance broker, estate planning attorney, certified public accountant, etc.) and identify accountability partners.
10. Leave a Legacy (Estate Planning): Create and implement a plan for what will happen to your estate (cash, real estate, jewelry, and other assets) after you pass. This is important no matter the size of your bank account and portfolio (i.e., investments, home, stocks, bonds, etc.).
Now, doesn’t that all sound easy?! Okay, maybe you’re thinking it seems like a lot. But what if I told you these steps have been designed specifically to help you create the financial life you want?
The first five steps cover the fundamentals. Their purpose is to help you create financial stability. Think of these steps as your foundation. The trick is to get to a point that budgeting, saving, debt, credit, and earning become second nature so you can focus most of your energy on the next five steps.
Steps six through ten cover growing and protecting your wealth. They are presented in order to show you how to invest, align your insurance, grow your net worth, seek professional help, and protect your legacy.
Do you realize that you’ve just been handed a road map that will lead you to the kind of financial life that will build and support your bright future? *Insert obligatory shoulder shimmy* It’s all here, complete with detailed directions. I will lead the whole way, and we’ll get you to financial wholeness together. Woot, woot!
Product details
- Publisher : Rodale Books; 1st edition (March 30, 2021)
- Language : English
- Hardcover : 368 pages
- ISBN-10 : 0593232747
- ISBN-13 : 978-0593232743
- Item Weight : 2.31 pounds
- Dimensions : 6.4 x 1.2 x 9.4 inches
- Best Sellers Rank: #8,023 in Books (See Top 100 in Books)
- #40 in Budgeting & Money Management (Books)
- #48 in Introduction to Investing
- #264 in Success Self-Help
- Customer Reviews:
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About the author

Tiffany “The Budgetnista” Aliche, is an award-winning teacher of financial education and is quickly becoming America’s favorite, personal financial educator. The Budgetnista is also an Amazon #1 bestselling author of The One Week Budget and the Live Richer Challenge series.
Through her company, The Budgetnista, Tiffany has created a financial movement that has helped over 1 million women worldwide collectively save more than $200 million, and pay off over $100 million in debt, purchase homes and transform the way they think about their finances. These women that participate in this global movement call themselves, Dream Catchers.
Tiffany credits her experience as a preschool teacher for 10 years in Newark, NJ for defining her purpose behind The Budgetnista…education.
In 2019, Tiffany transformed her commitment into legislation when she partnered with Assemblywoman Angela V. McKnight to write a bill that was later signed into Law A1414 (The Budgetnista Law). This law made it mandatory for financial education to be integrated into all middle schools in New Jersey.
To further her mission Tiffany has created and teaches numerous financial classes both online and in person. Her signature course is her annual, Live Richer Challenge with over 900,000 women participating in one or more of her Challenges.
She also blogs about personal finance for The Huffington Post and The Budgetnista Blog, co-hosts an award-winning podcast, Brown Ambition and has an online school, the Live Richer Academy that teaches women how to create, implement and automate their own financial education path.
The Budgetnista and her financial advice have been featured on Good Morning America, the TODAY show, PBS, TIME, The New York Times, The Wall Street Journal, Reuters, ESSENCE Magazine, FORBES, Fox Business, MSNBC, CNN/HLN. She is also the featured financial expert for the popular daytime talk show, The Real.
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Customers find the themes in the book motivational and a great investment. They also love the humor, saying it makes it a light read and keeps their attention. Readers describe the book as easy to read and understand, providing everything they need to achieve financial wholeness. They find the content informative, helpful, and balanced, with a lovely roadmap to financial wholeNESS.
AI-generated from the text of customer reviews
Customers find the book easy to read and understand, with approachable and engaging style. They also say the book is thorough with action steps that provide a clear picture of what's next. Readers also mention the author is relatable and realistic. They say the guide is accessible and a great start for learning how to finance your life.
"...What sets this book apart is its approachable and engaging style. She is definitely a relatable character, she was a form teacher...." Read more
"...She’s so down to earth and practical. She writes with such an easy spirit that you feel like you know her...." Read more
"A lot going on in this book. It is very detailed, but it will help you get the job done :- )" Read more
"Overall this was a great read. Practical steps for success." Read more
Customers find the book very informative, helpful, and digestible. They appreciate the great advice, resources, and coverage of all major topics. Readers also say the book is comprehensive and covers an extensive part of finance, including how to invest and insurance.
"...The book covers topics like budgeting, saving, and investing, and even touches on entrepreneurship, making it a comprehensive guide for financial..." Read more
"...This book is a lovely balance of roadmap to "financial wholeness" (NOT to be confused with "financial freedom") and a relatable memoir about her..." Read more
"...Having said that it's very comprehensive and does cover all major topics but at a horizontal level." Read more
"...step by step approaches on how to invest, and even goes into detail about insurance (I’ve never seen a finance book with a chapter on insurance),..." Read more
Customers find the themes in the book motivational, interesting, and informational. They also say it's exciting and keeps their attention. Readers say the book encourages ladies to dream big, set financial goals, and take the necessary steps. They mention it has a focus on self discipline.
"...This book not only provides practical advice but also fosters a sense of confidence and financial independence...." Read more
"...A great read and makes you think." Read more
"She includes creating your own budget and has a focus on self discipline...." Read more
"...say that this is the writing was the most relatable, the goals were the most attainable (financial freedom vs financial wholeness), and the..." Read more
Customers find the book a great investment and say it's very good.
"...Definitely worth the loot." Read more
"...It covers a lot of the basics: budgeting, saving, investing, but it goes a little deeper than most books...." Read more
"I love this book very informative. Has helped me budget a lot better and view things differently." Read more
"...She said she learned some new things so hopefully it was worth the cost." Read more
Customers find the humor in the book light and entertaining.
"...The anecdotes were funny and relatable and I felt like I was getting advice from by best friend. I would recommend this book for any and everyone...." Read more
"...amazing to hear it through a black womans words, it was so relatable & funny." Read more
"...everything in ways that you can understand and implement and throws in some humor...." Read more
"...informative and discusses a sensitive topic of money with a mixture of humor and easy to understand terms. Wow!..." Read more
Customers find the characters in the book relatable, interesting, and fun. They also say the book is half memoir and half finance book with actionable steps.
"...One of the book's standout features is the relatable stories and examples of successful women who have achieved financial independence...." Read more
"...But this author makes it fun, interesting, and relatable...." Read more
"...I enjoy how relatable her story is and the encouragement I feel to know with discipline and knowledge I too can overcome my money management..." Read more
"...Half memoir and half finance book with actionable steps any person can take to achieve “goodness” with money!..." Read more
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Tiffany "The Budgetnista" Aliche was born to teach. The brilliance of (all of) her work is that she's at once a forever pre-school teacher and a wildly successful entrepreneur. "Get Good with Money" is a demonstration of Tiffany's dedication to leading with vulnerability, centering faith in humanity, and dogged pursuit of her mission to help marginalized folks build wealth. This book is a lovely balance of roadmap to "financial wholeness" (NOT to be confused with "financial freedom") and a relatable memoir about her journey to rebuild her life after the 2008 recession and other misfortunes. Nothing preachy or condescending about it.
Being a pre-school teacher, this is an engaging, accessible, and actionable guide to help folks at all stages of their careers. If someone shaming you into austerity hasn't helped you get your financial life in order (weird how that doesn't work long-term), then I highly recommend this as an alternative. "Get Good with Money" is a fabulous tool to help you develop skills and introspection on your way to creating sustainable change in your life.
I feel like I've been on this journey with Tiffany and Mandy since I started listening to the Brown Ambition podcast, circa 2015? 2016? Whenever episode #10 dropped. They helped me recognize how I was being discounted and silenced at work as a woman of color. Tiffany's book arrived yesterday; I've since mowed through it, despite being a busy graduate student at an Ivy League university (an absolute dream that years of listening to the Brown Ambition podcast gave me the moxie to pursue!)
Buy the book. It's a good investment in yourself.
Reviewed in the United States on March 31, 2021
Tiffany "The Budgetnista" Aliche was born to teach. The brilliance of (all of) her work is that she's at once a forever pre-school teacher and a wildly successful entrepreneur. "Get Good with Money" is a demonstration of Tiffany's dedication to leading with vulnerability, centering faith in humanity, and dogged pursuit of her mission to help marginalized folks build wealth. This book is a lovely balance of roadmap to "financial wholeness" (NOT to be confused with "financial freedom") and a relatable memoir about her journey to rebuild her life after the 2008 recession and other misfortunes. Nothing preachy or condescending about it.
Being a pre-school teacher, this is an engaging, accessible, and actionable guide to help folks at all stages of their careers. If someone shaming you into austerity hasn't helped you get your financial life in order (weird how that doesn't work long-term), then I highly recommend this as an alternative. "Get Good with Money" is a fabulous tool to help you develop skills and introspection on your way to creating sustainable change in your life.
I feel like I've been on this journey with Tiffany and Mandy since I started listening to the Brown Ambition podcast, circa 2015? 2016? Whenever episode #10 dropped. They helped me recognize how I was being discounted and silenced at work as a woman of color. Tiffany's book arrived yesterday; I've since mowed through it, despite being a busy graduate student at an Ivy League university (an absolute dream that years of listening to the Brown Ambition podcast gave me the moxie to pursue!)
Buy the book. It's a good investment in yourself.
Having said that it's very comprehensive and does cover all major topics but at a horizontal level.
Top reviews from other countries
I highly recommend this book. 10/10
Thanks Tiffany for sharing your valuable thoughts and experiences.













































