More than once, they’ve begged, “Just tell me what to do.”It’s no surprise that even my most successful friends feel confused or paralyzed. Even if they have a shelfful of personal finance books, they don’t have time to make sense of all the information available. They don’t just want good advice, they want the best advice—so rather than do the “wrong thing,” they do nothing. Their 401(k) and bank statements pile up, unexamined or maybe even unopened.What they don’t realize is that bad calls about money aren’t failures; they’re just what happens when emotional creatures have to make decisions about the future with limited information. What I tell them is that we need to scrap striving for perfection and instead commit to a process of guessing and making adjustments when things go off track. Of course we’re going to make the best guesses we can—but we’re not going to obsess over getting them exactly right.The fact is, in a single page you can prioritize what you really want in life and figure out how to get there. That’s because a great financial plan has nothing to do with what the markets are doing, what your real estate agent is pitching, or the hot stock your brother-in-law told you about. It has everything to do with what’s most important to you. By now you may be wondering, “What about the details? How much do I need to invest each year, and how do I allocate it? How much life insurance do I need?” Don’t worry: I’ll cover those topics and many more, sharing strategies that will take the complexity out of them. The most important thing is getting clarity about the big picture so you can cope with the unexpected. Maybe you’ll lose the job you thought was secure; you’ll take a financial risk that doesn’t pan out; you’ll have twins when you were only budgeting for one. In other words: Life will happen.But no matter what happens, this book will help you bridge the gap between where you are now and where you want to go.

    

    Later, as you're about to get back to work, a colleague taps you on the shoulder to chat. At home, screens get in the way of quality time with your family. Another day goes by, and once again, your most important personal and professional goals are put on hold.  What would be possible if you followed through on your best intentions? What could you accomplish if you could stay focused and overcome distractions? What if you had the power to become "indistractable"?  International best-selling author, former Stanford lecturer, and behavioral design expert, Nir Eyal, wrote Silicon Valley's handbook for making technology habit-forming. Five years after publishing Hooked, Eyal reveals distraction's Achilles' heel in his groundbreaking new book.  In Indistractable, Eyal reveals the hidden psychology driving us to distraction. He describes why solving the problem is not as simple as swearing off our devices: Abstinence is impractical and often makes us want more.  Eyal lays bare the secret of finally doing what you say you will do with a four-step, research-backed model. Indistractable reveals the key to getting the best out of technology, without letting it get the best of us.  Inside, Eyal overturns conventional wisdom and reveals: Why distraction at work is a symptom of a dysfunctional company culture - and how to fix it  What really drives human behavior and why "time management is pain management"  Why your relationships (and your sex life) depend on you becoming indistractable  How to raise indistractable children in an increasingly distracting world Empowering and optimistic, Indistractable provides practical, novel techniques to control your time and attention - helping you live the life you really want.

    But if you can muster the required amounts of faith, patience and discipline - and if you can draw those qualities from your advisor when your own are running low - history suggests that wealth follows over time.

    I’ve started a million things, but I never finish them. Why can’t I finish?According to studies, 92 percent of New Year’s resolutions fail. You’ve practically got a better shot at getting into Juilliard to become a ballerina than you do at finishing your goals. For years, I thought my problem was that I didn’t try hard enough. So I started getting up earlier. I drank enough energy drinks to kill a horse. I hired a life coach and ate more superfoods. Nothing worked, although I did develop a pretty nice eyelid tremor from all the caffeine. It was like my eye was waving at you, very, very quickly. Then, while leading a thirty-day online course to help people work on their goals, I learned something surprising: The most effective exercises were not those that pushed people to work harder. The ones that got people to the finish line did just the opposite— they took the pressure off. Why? Because the sneakiest obstacle to meeting your goals is not laziness, but perfectionism. We’re our own worst critics, and if it looks like we’re not going to do something right, we prefer not to do it at all. That’s why we’re most likely to quit on day two, “the day after perfect”—when our results almost always underper­form our aspirations. The strategies in this book are counterintuitive and might feel like cheating. But they’re based on studies conducted by a university researcher with hundreds of participants. You might not guess that having more fun, eliminating your secret rules, and choosing something to bomb intentionally works. But the data says otherwise. People who have fun are 43 percent more successful! Imagine if your diet, guitar playing, or small business was 43 percent more suc­cessful just by following a few simple principles. If you’re tired of being a chronic starter and want to become a consistent finisher, you have two options: You can continue to beat yourself up and try harder, since this time that will work. Or you can give yourself the gift of done.

    So why do more than 60 percent of U.S. households still live paycheck to paycheck? The key to financial stability and success isn't just about money--it's about attitudes. Rocha uses the lessons she learned overcoming personal debt to teach readers how to triumph over the lies we tell ourselves, such as "I deserve a treat," "Fake it till you make it," and "I can't afford it." Each chapter uses real-life examples to explain faulty thinking about money, followed by step-by-step instructions for how to overcome these pitfalls. Budgets are helpful, but real change won't happen without a financial attitude adjustment.

    In a world that's forever racing past us on a screen, it's a reminder of the potentially life-changing power of a book.” – MONEVATORWhat if that way doesn’t involve jacking in your job, leaving your partner, having a midlife crisis, uprooting your existence? What if that way just involves small actions, taken every day? With no more effort than you now spend tending your social media flock, superglued to a screen.Best of all, what if that way costs you little? In fact, what if that way saves you a tonne of money and lets you retire a few years earlier?“Sawyer’s RESET shows us how to achieve material wealth. It emphasizes discipline, sacrifice, and hard work…” – WILLIAM D. DANKO, PhD, co-author of The Millionaire Next DoorWhat if someone said that by following this way you will get:An idea of what were put on this earth to do. Increased happiness, purpose and meaning. A practical plan to future-proof your career. A way to declutter your life, so you’re able to see and think clearly again. A fully costed route to financial independence (you can call it early retirement if you like). A system to manage your finances. An investing plan that will knock your socks off and explain how you can get your F.U. Money.DAVID SAWYER is not a guru. He's just a middle-aged, married-with-two-children, Glasgow public relations guy who woke up one day and decided to change things. Six years later, the result is RESET – the unconventional guide for midlife professionalsthat will wipe the windscreen of life so you can see clearly again.It's a page-turner (part story, part practical guide), which draws on the experiences and research of hundreds of academics, philosophers, Nobel prize-winners, actors, Olympic athletes, self-help authors, investors and personal finance experts. “A comprehensive introduction to things you didn't learn in school but should have. RESET is a complete program with enough motivation and details to make it easy to begin without being too complicated. You'll feel like doing one or two things right now.” – JACOB LUND FISKER, PhD, author, Early Retirement Extreme“I don't say this lightly: this is one of my top, if not my very top, financial independence books that I've ever read. I absolutely loved it. I feel like it's the book if I had the guts to write my own book, that I would have written this.” – BRAD BARRETT, co-host, ChooseFI“RESET is an incredibly detailed and comprehensive guide to planning and achieving the life you desire. But that’s only true if what you desire is to work on your own terms, to achieve goals that are meaningful to you, and to move rapidly towards your financial independence.” – JOHN KINGHAM, managing editor, UK Value Investor and author of The Defensive Value InvestorIf you read RESET and carry out its recommendations, within a year, you will have transformed your future. It's never too late. Carpe diem. You are the master of your fate: you (and no one else) are the captain of your soul.​

    Forever.

    Committed to sharing what the scientific community already knew about self-control, McGonigal created a course called "The Science of Willpower" for Stanford University's Continuing Studies Program. The course was an instant hit and spawned the hugely successful Psychology Today blog with the same name.Informed by the latest research and combining cutting-edge insights from psychology, economics, neuroscience, and medicine, McGonigal's book explains exactly what willpower is, how it works, and why it matters. Readers will learn:Willpower is a mind-body response, not a virtue. It is a biological function that can be improved through mindfulness, exercise, nutrition, and sleep. People who have better control of their attention, emotions, and actions are healthier, happier, have more satisfying relationships, and make more money. Willpower is not an unlimited resource. Too much self-control can actually be bad for your health. Temptation and stress hijack the brain's systems of self-control, and that the brain can be trained for greater willpower.In the groundbreaking tradition of Getting Things Done, The Willpower Instinct combines life-changing prescriptive advice and complementary exercises to help readers with goals ranging from a healthier life to more patient parenting, from greater productivity at work to finally finishing the basement.

    Now, award-winning Tribune Company personal finance columnist Gregory Karp shows how to do just that. This book isn't about depriving yourself: you don't have to become a financial anorexic, and you won't have to start dumpster diving! Instead, Gregory Karp shows how to build real, long-lasting wealth by plugging the money leaks you're barely even aware of, and making sure you spend with a purpose. Drawing on everything he's learned writing his prize-winning weekly column, Karp reveals surprisingly painless, little-known techniques for eliminating wasteful spending in every area of your financial life. Karp shows how to spend on what you really care about, not what you don't... understand the real value of comparison shopping...save money in giving gifts without becoming a cheapskate. Karp shows how to slash your phone bill... spend less on food without changing what you like to eat... eliminate spending leaks in insurance, education, entertainment and beyond. From the clothes you wear to the cars you drive, Living Rich by Spending Smart will help you build a life that's truly rich, because it's truly financially secure.

    But what if you could escape the traditional path and get on one that doesn't require working full-time until age 65? What if you could wake up every day without an alarm clock and do the things you love most? Tanja Hester and her husband Mark left their crazed careerist lifestyle to live their dream life in Lake Tahoe, retiring early from high-stress careers. Now Tanja will help you map out a customized plan for freedom and make it easy to succeed, whether you're good at math and budgeting -- or not! Work Optional is more than just a financial plan: it's a plan for your whole life -- designed by you, not by an employer or clients. Tanja walks you through envisioning your dream life, accounting for variables such as health care and children, protecting yourself from recessions and future unknowns, and achieving a purpose-filled early retirement, semi-retirement, or career intermission with completely doable, non-penny-pinching steps. You can live a happier, more meaningful life, free from the daily grind. Regardless of where you are in your career, Work Optional will get you there.

    And then, there are three suburban dads just trying to make the world a little bit better. Meet Brad Barrett and Jonathan Mendonsa of the award-winning Choose FI podcast and Chris Mamula of the popular blog “Can I Retire Yet?”. They have walked the talk and now want to share their knowledge with you. Together, these three regular guys will show you how they did something extraordinary. They are all financially independent and doing meaningful work that fulfills them. All three left their corporate 9 to 5 jobs and are reaping the benefits of extra time with their families. Mirroring the format of the popular Choose FI podcast, this book pulls from the collective knowledge of those who have decided to build a lifestyle around their passions instead of allowing their finances to dictate their future. These stories demonstrate universal principles, giving you the opportunity to pick the elements that are the most applicable to your financial situation and “choose your own adventure.”FI or Financial Independence is the new debt-free and getting back to 0 is just the beginning of a wonderful journey. Whether you have mountains of debt now or are recently debt free and wondering what to do next, Choose FI : Your Blueprint to Financial Independence will give you the information to guide your next move.

    Rather, other factors can be even more crucial such as identifying our passions and following through on our commitments.Drawing on her own powerful story as the daughter of a scientist who frequently bemoaned her lack of smarts, Duckworth describes her winding path through teaching, business consulting, and neuroscience, which led to the hypothesis that what really drives success is not genius, but a special blend of passion and long-term perseverance. As a professor at the University of Pennsylvania, Duckworth created her own character lab and set out to test her theory.Here, she takes readers into the field to visit teachers working in some of the toughest schools, cadets struggling through their first days at West Point, and young finalists in the National Spelling Bee. She also mines fascinating insights from history and shows what can be gleaned from modern experiments in peak performance. Finally, she shares what she's learned from interviewing dozens of high achievers; from JP Morgan CEO Jamie Dimon to the cartoon editor of The New Yorker to Seattle Seahawks Coach Pete Carroll.Winningly personal, insightful, and even life-changing, Grit is a book about what goes through your head when you fall down, and how that not talent or luck makes all the difference.

    But many managers can't read a balance sheet, wouldn't recognize a liquidity ratio, and don't know how to calculate return on investment. Worse, they don't have any idea where the numbers come from or how reliable they really are. In Financial Intelligence, Karen Berman and Joe Knight teach the basics of finance--but with a twist. Financial reporting, they argue, is as much art as science. Because nobody can quantify everything, accountants always rely on estimates, assumptions, and judgment calls. Savvy managers need to know how those sources of possible bias can affect the financials and that sometimes the numbers can be challenged. While providing the foundation for a deep understanding of the financial side of business, the book also arms managers with practical strategies for improving their companies' performance--strategies, such as "managing the balance sheet," that are well understood by financial professionals but rarely shared with their nonfinancial colleagues. Accessible, jargon-free, and filled with entertaining stories of real companies, Financial Intelligence gives nonfinancial managers the financial knowledge and confidence for their everyday work. Karen Berman and Joe Knight are the owners of the Los Angeles-based Business Literacy Institute and have trained tens of thousands of managers at many leading organizations. Co-author John Case has written several popular books on management.

    Finally someone has come up with some practical, easy, quick, and workable suggestions to get out of debt and stay there." Grady Harp (Hall of Fame, Amazon Top 100 Reviewer, Vine Voice) "This is the rarest of all rarities - a really good ebook on personal finance." Amazon Top 1000 Reviewer "Avery Breyer's self-help guide to consumer finances... is filled with great ideas for getting out of a financial rut. I found her reasons for setting up a budget to be compelling and was impressed by the Money Tracker program she includes with the book... It's highly recommended." Rated 5-stars by Jack Magnus (Readers' Favorite) "I needed this book 25 years ago!" David Woody (Amazon Reader) Do you want to learn proven techniques that will help you to stop living paycheck to paycheck and stop stressing out about money? Do you want to be able to relax, knowing that all of your needs, today and in the future, can be paid for with ease? This book is going to show you money solutions that actually work. This book will provide you with both the tools and the knowledge that you need to finally get ahead. You'll learn a budget system that has stood the test of time, and helped countless people to dramatically reduce, or eliminate, their stress about money. In this practical, action-oriented guide, you'll learn an easy money-management system that takes only 15 minutes per week (that's an average of just over 2 minutes a day!) to maintain. After all, budget planning should be quick and easy! In this brilliant guide, some of the things you will learn include: -The easiest ways to pay down bad debt, and time-tested strategies to avoid getting more -How to set up a money management system that will provide for your daily monetary needs both now, and in the future -The 6 most important things you can do to take control of your money -11 budget traps, and how to avoid them You will also be given free lifetime access to The Money Tracker, a simple tool that makes keeping tabs on your budget quick and easy. Don't be the kind of person who procrastinates and makes a bad situation worse. Be the kind of person who isn't afraid to to tackle a problem head on. Be the kind of person who takes action now. You can stop living paycheck to paycheck and start to take control of your money and budget today. After that, sit back and enjoy the new life you are creating for yourself, a life where you feel secure, and more confident in your ability to manage your money. It's your time. Buy this book today and get started!