Radical Frugality tells the story of 5 people who did it: Paul, 27, discovering how to overcome student loan debt; David and Winona, late 40's, living their retirement dream today; and Dan and Charlotte, family of 4, with an underwater mortgage. Waking up every morning debt-free with cash in your pocket helps your brain feel safe, secure, and smart. Embracing the concepts in this book frees you from the overwhelming anxiety of the consumer lifestyle by showing you how to take control. You can start today. What if you could spend 66% less money than you spend today setting yourself up to live a self-determined lifestyle doing exactly what you love to do regardless of financial compensation? Radical Frugality shows you exactly how to achieve those goals within one to five years. Using our step-by-step common sense plan, we teach you what to do (break the spell of the consumer credit con), when to do it (planning and preparation), and most importantly where to do it (discover the 5 top cities for living frugally). We'll help you evaluate your financial situation. Are you in the Yellow Zone, the Orange Zone, the Red Zone, or even the Dead Zone (paying debt with debt)? This book lays out a plan for how to pay off your debt and get into the Neutral Zone (getting back to monthly break-even), the Green Zone (debt free with $1,000 a month free cash-flow) or even the Golden Zone (living a self-determined life). Whether you are desperate right now about your financial situation, facing retirement, just starting out, or just plain tired and worn-out from struggling to pay bills, Radical Frugality can show you over 100 tips for feeling better today. Radical Frugality offers a soup to nuts plan for living a self-determined life that will leave you happier and healthier than ever before. CHAPTER ONE: IT'S NOT ABOUT WHAT YOU EARN—IT'S ABOUT WHAT YOU SPEND. HOW TO TAKE CONTROL CHAPTER TWO: THE CONSUMER CREDIT CON. HOW MARKETERS PLAY TRICKS ON YOUR BRAIN CHAPTER THREE: WHY FRUGALITY? GETTING STRAIGHT ABOUT WHY YOU'RE ON THE PLANET CHAPTER FOUR: WHO ARE YOU TODAY? EVALUATE YOUR SPENDING PROFILE CHAPTER FIVE: HOW TO DO IT. YOUR STEP BY STEP PLAN TO GAIN CONTROL CHAPTER SIX: GOING GREEN AND NEVER LOOKING BACK. THIS IS YOUR BRAIN ON CASH CHAPTER SEVEN: WHEN WILL YOU BE READY? LEARNING TO ASK THE RIGHT QUESTIONS CHAPTER EIGHT: LIVING THE DREAM. WHERE YOU LIVE DETERMINES HOW YOU LIVE

    Meanwhile, many families of freshmen attending selective private colleges will spend triple—over $300,000. With the same passion, smarts, and humor that infuse his personal finance column, Ron Lieber offers a much-needed roadmap to help families navigate this difficult and often confusing journey. Lieber begins by explaining who pays what and why and how the financial aid system got so complicated. He also pulls the curtain back on merit aid, an entirely new form of discounting that most colleges now use to compete with peers.While price is essential, value is paramount. So what is worth paying extra for, and how do you know when it exists in abundance at any particular school? Is a small college better than a big one? Who actually does the teaching? Given that every college claims to have reinvented its career center, who should we actually believe? He asks the tough questions of college presidents and financial aid gatekeepers that parents don’t know (or are afraid) to ask and summarizes the research about what matters and what doesn’t.Finally, Lieber calmly walks families through the process of setting financial goals, explaining the system to their children and figuring out the right ways to save, borrow, and bargain for a better deal. The Price You Pay for College gives parents the clarity they need to make informed choices and helps restore the joy and wonder the college experience is supposed to represent.

    It’s about how you behave. And behavior is hard to teach, even to really smart people. How to manage money, invest it, and make business decisions are typically considered to involve a lot of mathematical calculations, where data and formulae tell us exactly what to do. But in the real world, people don’t make financial decisions on a spreadsheet. They make them at the dinner table, or in a meeting room, where personal history, your unique view of the world, ego, pride, marketing, and odd incentives are scrambled together. In the psychology of money, the author shares 19 short stories exploring the strange ways people think about money and teaches you how to make better sense of one of life’s most important matters.

    With hundreds of inspiring “why didn’t I think of that?” TIPS, plus WORKSHEETS, Paine breaks down your goals into easy, manageable steps so you can:• Achieve a complete financial makeover • Set up a realistic budget • Never pay retail • Slash your grocery bill • Organize your time & your home • Use coupons wisely • Pay with cash only • Live simply • Become debt free • Choose contentment • Make every dollar count

    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.

    If you want to get in on the action, this book shows you how.  Cryptocurrency Investing For Dummies offers trusted guidance on how to make money trading and investing in the top 200 digital currencies, no matter what the market sentiment. You'll find out how to navigate the new digital finance landscape and choose the right cryptocurrency for different situations with the help of real-world examples that show you how to maximize your cryptocurrency wallet. Understand how the cryptocurrency market works Find best practices for choosing the right cryptocurrency Explore new financial opportunities Choose the right platforms to make the best investments This book explores the hot topics and market moving events affecting cryptocurrency prices and shows you how to develop the smartest investment strategies based on your unique risk tolerance.

    But what about those with a wide array of interests, a dynamic curiosity about the world, and an ever-renewing wellspring of passions? Margaret Lobenstine calls these people “Renaissance Souls,” and in this groundbreaking book, she offers a life-planning strategy in tune with their dynamic, change-loving personalities. Renaissance Souls often get stuck, moving from entry-level job to entry-level job, degree to degree, or hobby to hobby, unwilling to settle on just one thing to do “for the rest of my life.” Or, after achieving success in one field, they yearn for new challenges and begin looking around for something different. Yet they are also afraid that if they pursue their changing interests, they will have to give up on financial security, becoming “a jack of all trades and master of none.”The Renaissance Soul, the first book devoted to this personality type, not only shows that it’s possible to design a successful, vibrant life built on multiple passions, but also gives readers the practical advice to do so. Lobenstine arms the reader with powerful life-design strategies, including how to:*Understand the exciting and powerful difference between choice and focus *Transform your day job so that it carries your dreams forward*Manage your time the Renaissance Soul way*Thrive on many interests without feeling scattered *Get paid for your passions*Learn a new field without going back to school*Get inspired by Renaissance Souls from ancient times to the present, from Leonardo da Vinci to Ben Franklin to Oprah WinfreyStocked with creative exercises, relevant resources, and interviews with successful Renaissance Souls, this profoundly inspiring guide will show readers the way to a richer, more fulfilling life—big enough to embrace all their dreams.

    There's one sure way to whip your finances into shape, and that's with "The Total Money Makeover: Classic Edition".By now, you've heard all the nutty get-rich-quick schemes, the fiscal diet fads that leave you with a lot of kooky ideas but not a penny in your pocket. Hey, if you're tired of the lies and sick of the false promises, take a look at this--it's the simplest, most straightforward game plan for completely making over your money habits. And it's based on results, not pie-in-the-sky fantasies. With "The Total Money Makeover: Classic Edition," you'll be able to:Design a sure-fire plan for paying off all debt--meaning cars, houses, everything Recognize the 10 most dangerous money myths (these will kill you) Secure a big, fat nest egg for emergencies and retirement!

    Kristin Neff comes a step-by-step guide explaining how to be more self-compassionate and achieve your dreams in lifeThe relentless pursuit of high self-esteem has become a virtual religion—and a tyrannical one at that. Our ultracompetitive culture tells us we need to be constantly above average to feel good about ourselves, but there is always someone more attractive, successful, or intelligent than we are. And even when we do manage to grab hold of high self-esteem for a brief moment, we can't seem to keep it. Our sense of self-worth goes up and down like a ping-pong ball, rising and falling in lockstep with our latest success or failure.Fortunately, there is an alternative to self-esteem that many experts believe is a better and more effective path to happiness: self-compassion. The research of Dr. Kristin Neff and other leading psychologists indicates that people who are compassionate toward their failings and imperfections experience greater well-being than those who repeatedly judge themselves. The feelings of security and self-worth provided by self-compassion are also highly stable, kicking in precisely when self-esteem falls down. This book powerfully demonstrates why it's so important to be self-compassionate and give yourself the same caring support you'd give to a good friend.This groundbreaking work will show you how to let go of debilitating self-criticism and finally learn to be kind to yourself. Using solid empirical research, personal stories, practical exercises, and humor, Dr. Neff—the world's foremost expert on self-compassion—explains how to heal destructive emotional patterns so that you can be healthier, happier, and more effective. Engaging, highly readable, and eminently accessible, this book has the power to change your life.

    Learn how to cut down on spending without decreasing your quality of life, build a million-dollar portfolio, fortify your investments to survive bear markets and black-swan events, and use the 4 percent rule and the Yield Shield--so you can quit the rat race forever. Not everyone can become an entrepreneur or a real estate baron; the rest of us need Shen's mathematically proven approach to retire decades before sixty-five.

    While the principles it lays out are timeless, our world has changed drastically since the book’s publication. The exponential rise of technology, global flattening of markets, instant communication, and pressures on corporate workforces to do more with less—including resources, funding, and staff—have all revolutionized the world in which we live and work.Now, Ken Blanchard and Spencer Johnson have written The New One Minute Manager to introduce the book’s powerful, important lessons to a new generation. In their concise, easy-to-read story, they teach readers three very practical secrets about leading others—and explain why these techniques continue to work so well.As compelling today as the original was thirty years ago, this classic parable of a young man looking for an effective manager is more relevant and useful than ever.

    Humorous, direct, and—most important of all—effective, these keys will help you change how you view and "do" your problems—from difficult relationships to enhancing sexuality and resolving conflicts of all kinds. The next time you have a problem, try one of these Solution Keys:Break Problem Patterns: Change any one of what you usually do in the problem situation by doing one thing different! Example: If you usually get angry and defensive, sit quietly and listen.Find and Use Solution Patterns: Import solutions from other situations where you felt competent. Examples: What do you know on the golf course that you forget when you get behind the wheel of your car? What do you say to resolve a problem with an angry customer that you don't say to your angry partner?Shift Your Attention: Focus on what you would like to have happen rather than on what is happening.Grounded in therapeutic practice, Do One Thing Different will put you back in control of your emotions and your life.

    4 BC–65 AD). He counseled readers to “study death always,” and took his own advice, returning to the subject again and again in all his writings, yet he never treated it in a complete work. How to Die gathers in one volume, for the first time, Seneca’s remarkable meditations on death and dying. Edited and translated by James Romm, How to Die reveals a provocative thinker and dazzling writer who speaks with a startling frankness about the need to accept death or even, under certain conditions, to seek it out.Seneca believed that life is only a journey toward death and that one must rehearse for death throughout life. Here, he tells us how to practice for death, how to die well, and how to understand the role of a good death in a good life. He stresses the universality of death, its importance as life’s final rite of passage, and its ability to liberate us from pain, slavery, or political oppression.Featuring beautifully rendered new translations, How to Die also includes an enlightening introduction, notes, the original Latin texts, and an epilogue presenting Tacitus's description of Seneca's grim suicide.

    Key questions and an amazingly clear "map" are now at your fingertips to begin your journey to "Live by Design." These are questions that, with the help of this book, you can answer and bring into action-oriented focus:What are the ten most defining moments of your life?What are the seven most critical choices you have made to put you on your current path?Who are the five most pivotal people in your world and how have they shaped you? Identifying and working with these key elements are at the heart of Dr. Phillip C. McGraw's latest work, Self Matters, and soon they will be at the heart of your own new work: you. Through his books, McGraw has changed the lives of millions. In introducing the world to his matter-of-fact, tell-it-like-it-is philosophy of life, Dr. Phil, as he is known to his legions of fans, has put an end to the "everyone's a victim" attitude that had taken hold of our culture. Published in over twenty-five countries, and with millions of books sold, his two number one bestsellers, Life Strategies and Relationship Rescue, forced readers to take a serious look at the excuses they had so long been clinging to as to why they were not happy, not successful, and not enjoying their one chance at living. Now, Dr. Phil takes those lessons a great leap further and explores one of the most challenging questions facing us all: When you look in the mirror, who is truly hiding beneath that face? Instead of taking a surface look at the way we live our lives, Dr. Phil demystifies how your self-concept came to be and gives a nuts-and-bolts approach to creating a new plan for living and, in turn, for discovering the real you. In this groundbreaking work, Dr. Phil challenges you to find your "authentic self" -- that person you once were before life took its toll. It is you at your greatest, most fulfilled, most real moment. It is the person you have always wanted to be, but were too distracted, busy, or scared to become. Instead, you have created a "fictional self" -- taking on the identity of who you believe you are supposed be, the person people tell you you are. The incongruence between these two selves is what leads you to feel that your life is incomplete, unbalanced, and altogether more difficult than it really should be. The good news is it no longer needs to be that way. By using the plan set forth in Self Matters, Dr. Phil helps you to demystify your self-concept and learn how to reclaim your authentic self. In evaluating your life by only the facts, you can learn to think beyond the excuses and fears that have masked the person you have always wanted to be. Self Matters is one of the most forward-thinking works on self-concept and self-esteem ever published. For the first time, an author tells it how it is and, in the process, teaches us all how to live the lives we have always wanted but prevented ourselves from living. We get only one chance in this world, and now, Dr. Phil shows all how to make the most of it.

    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.