Personal Finance For Dummies
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Sound personal money management advice with insights for today’s world
Personal Finance For Dummies has been tackling financial literacy for 30 years. This tenth edition continues to share the sound advice that’s helped millions of readers become financially literate while demystifying the money matters of the current era. Get familiar with the financial pillars of earning, saving, investing, borrowing, budgeting, and protecting your assets. Dig into modern concerns like navigating the housing market, weathering the highs and lows of an unpredictable market, evaluating new stuff like cryptocurrency, and budgeting to achieve your financial goals. Take the anxiety out of money matters by building a solid financial plan, learning to spend and invest wisely, and managing your debt. Follow the advice that’s helped readers for three decades!
Become financially literate so you can minimize debt and set realistic goalsLearn the basics of investing and start making smart investment choicesDemystify insurance so you can protect your health and your assetsControl your spending and build better budgets so you can afford the big stuff
Personal Finance For Dummies offers sound advice for all ages and levels of personal money management. It’s never too early or too late to start making sense of your finances.
From the Publisher
It’s been 30 years since you wrote the first edition of this book. What are the big things that have changed in how people manage their personal finances in that amount of time?
Accessing information, financial services, and accounts online and many more financial products and services being available direct to consumers. Today, you can conduct nearly all of your financial affairs online and buy direct online if you so desire. That doesn’t mean that you should or that that’s the best solution for you. While the online world may make some things more efficient, it causes numerous problems and obstacles. Personal Finance For Dummies, 10thEdition details your best options.
Your book offers advice on numerous important topics including – planning, spending, saving, investing, borrowing, and insuring. Which category does the average consumer typically need the most help in managing?
Most folks haven’t done any or enough planning and plenty of folks need assistance with spending less and saving more. Making financial decisions overall is something nearly everyone can improve at doing. And while some folks are good at saving money, most of them can better invest their money. Everyone needs proper insurance, and many folks have gaps in their knowledge in that area.
What piece of advice on personal finance do you offer that might not fit what people will get from most advisors?
There are numerous nuts and bolts pieces of advice in Personal Finance For Dummies, 10th Edition, especially how to do budgeting and analyze and reduce spending. Most advisors focus on long-term planning and investing. The book also explains how to evaluate and interview prospective financial and other advisors you may wish to hire. Before hiring a financial advisor, you should be educated on personal finance topics and this book will provide that crash course and help you better evaluate advisors you may hire.
What does your book advise as the best thing a person can do now to help assure a better financial future for themselves?
Get smarter about managing your money, develop a list of tasks to complete and begin working away at it. Reading Personal Finance For Dummies, 10thEdition, will fill in the gaps in your knowledge and supply you with the best money management strategies. Depending upon how many things you need to work on, implementation may take a number of months but that’s fine. Getting things done right is better than rushing into important decisions you don’t well understand.
What investments enable investors to best grow their money in the long-term?
Buying and holding well managed, diversified low-cost stock funds is a proven winner for building wealth over the long-term as is investment real estate. But you must be able to stomach and ride out the inevitable downturns, which cannot be predicted or avoided because their timing, duration and magnitude are impossible to predict. Market timing sounds great in theory but near impossible to do in practice. The silver lining to the impossibility of market timing – it’s smart to continually buy over time, especially as you have new savings to invest. When stock prices decline, you’re benefiting from buying more shares at reduced prices. Think of stock market declines as stocks being on sale. There’s usually more bad news out there when prices drop which is why buying during such periods takes courage.
About the author
Eric Tyson (metro New York, NY) is a nationally recognized personal finance counselor, writer, and lecturer. He has been featured in hundreds of press outlets including Newsweek, The Wall Street Journal, Los Angeles Times, Chicago Tribune, Forbes, Kiplinger’s Finance Magazine, Money, and Bottom Line/Personal. He has appeared on NBC’s Today Show, ABC, CNBC, PBS Nightly Business Report, and CNN.
Publisher : For Dummies; 10th edition (September 26, 2023)
Language : English
Paperback : 496 pages
ISBN-10 : 1394207549
ISBN-13 : 978-1394207541
Item Weight : 1.45 pounds
Dimensions : 7.2 x 1.2 x 9 inches
