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 this day and age, young people can't afford to repeat the financial mistakes made by their parents. Thankfully, there is a way for the middle class of today to build wealth and be happy. This practical guide will lead you through the life-long journey of financial independence, free from money related stress and empowered to live life the way you want. In Building Wealth And Being Happy: A Practical Guide To Financial Independence, you'll learn:- How to slowly get rich over many years and retire early- How to have a positive, healthy relationship with money- Whether you should use a financial advisor or DIY- Whether you should rent or buy the place you live in- Whether you should partake in socially responsible and green investments- If you can trust the stock market- If you should invest in real estate or gold- And much, much more...

    But life happens and if you’ve got debt, life has happened to you. Whether you have a rolling balance of $2,000 on your credit card or an $80,000 line of credit you are positive you will carry to your grave, debt can be a huge cause of stress—affecting both your emotional and financial wellness.After working with thousands of financial planning clients, Shannon Lee Simmons knows that your only way out of the debt cycle is to truly understand all of your spending triggers so you can shut them down for good. In Living Debt-Free, she shows you that it is possible to have a life and pay down debt at the same time. In fact, that’s the only way your debt plan will work. You will learn to take control of your finances and pay down your debt in a realistic way that will keep you motivated long enough to see it through to the end. No shame. No blame. No scare tactics.In Living Debt-Free, Simmons focuses on creating a debt repayment plan that will motivate you for a long time, rather than an unrealistic one that’s strictly about paying the least amount of interest charges. (Collective gasp—how dare she!?) Listen, everyone knows that paying interest on debt is bad and to be avoided as much as possible, but human beings are complex. Life is complex. Debt is complex. There cannot be a one-size-fits-all plan, so Living Debt-Free will help you build your plan—the one that will help you finally put the debt behind you, start fresh and feel good about your money again.

    Want to join me? And don’t worry — I’m not about to suggest that you start writing books, become a blogger, build an online income from websites, start a Multi-Level Marketing business, fill out a pile of mind-numbing surveys, sell stuff on eBay, or bug your friends by trying to sell things to them. My system for income online is much easier to get up and running - it can be set up within 1 week - and can put cash in your pocket a lot sooner than most of those other options, plus has little to no start-up costs. Imagine having the ability to make money in your spare time, to be able to earn extra cash each month, without having to get another job. Wouldn’t it be great if you could earn this income online on YOUR terms and: • work when you want, and where you want • finally have the extra cash you need to afford a few luxuries in your monthly budget • be able to take time off whenever you want, without having to beg for permission from your boss and arrange for it weeks or months in advance • be able to double, triple, or quadruple your hourly wage once you learn to be more efficient at your work, rather than having your boss reward you with more work and zero extra pay This book will teach you my method for building an online income that provides all that, and more. I’ve used this system anywhere from North American suburbia to Bali — how many JOBS can offer you that kind of flexibility? The ability to design your dream life, wherever you want it to be? Read this book and find out how to do it! Learn how to work from home, or anywhere in the world! I’ve earned money everywhere from home on my couch in suburbia to a cozy coffee shop overlooking a gorgeous marina in the tropics. This book will show you how. If you’re looking for real ways to earn money from home, a system that’s flexible and works whether you’re just doing it in your spare time as a side hustle, or turning it into a full-time gig, you should read this book. I know this system for building an online income works, because I use it even now. You could be next. Buy this book and find out how to do it.

      Buy as many lattes as you want. Choose the right accounts and investments so your money grows for you—automatically. Best of all, spend guilt-free on the things you love.   Personal finance expert Ramit Sethi has been called a “wealth wizard” by Forbes and the “new guru on the block” by Fortune. Now he’s updated and expanded his modern money classic for a new age, delivering a simple, powerful, no-BS 6-week program that just works.  I Will Teach You to Be Rich will show you: • How to crush your debt and student loans faster than you thought possible • How to set up no-fee, high-interest bank accounts that won’t gouge you for every penny • How Ramit automates his finances so his money goes exactly where he wants it to—and how you can do it too • How to talk your way out of late fees (with word-for-word scripts) • How to save hundreds or even thousands per month (and still buy what you love) • A set-it-and-forget-it investment strategy that’s dead simple and beats financial advisors at their own game • How to handle buying a car or a house, paying for a wedding, having kids, and other big expenses—stress free • The exact words to use to negotiate a big raise at work  Plus, this 10th anniversary edition features over 80 new pages, including: • New tools • New insights on money and psychology • Amazing stories of how previous readers used the book to create their rich lives   Master your money—and then get on with your life.

    But then life gets in the way. As we juggle the commitments and responsibilities in our busy lives, good money habits can quickly fade away.Canna Campbell is an experienced financial planner, and also a mother, partner and entrepreneur. She understands the challenge of trying to maintain balance and motivation when you’re time-poor, and she’s used this experience to develop an inspirational and effective approach to personal finance management. She shows you how to look at your finances with holistic and powerful mindfulness, easily incorporating her step-by-step advice into your daily habits and routines. From new banking rituals and money mindsets to growing passive income through shares and property, she will help you shed the excess and embrace what you really love, value, use and appreciate – including your necessary luxuries. Canna leads by example, sharing her personal tips and tricks for building, managing and protecting your money. No matter what you earn or what level of knowledge you have, Mindful Money will help you to see that financial independence is achievable.‘Canna Campbell offers a glamorous vision of a life of minimalism and saving … Not spending feels more like a creative challenge connected to a sense of purpose, rather than deprivation.’ New York Times

    Scott explains the basic of investing in simple English. It’s solid advice; the kind you rarely get from the talking heads on TV, radio, and the rest of the media. Scott backs it all up with good solid research; this is not his opinion, it’s facts, but presented in a way that your Grandmother could understand." - Dr. Barry H. Kaplan, EA, CFP, Chief Investment Officer, Cambridge Wealth Counsel Are you worried and stressed out about not having enough money to retire? Do you have fear of losing your money? Are you unsure of how to build wealth for the long term? Or maybe you’ve been thinking of investing for quite some time now, and you just don’t know how to get started. The whole thing seems too complex and overwhelming. This conversational and action oriented book is for people who want to get started investing (or are thinking about it), but have never understood why or how - no matter your age or how much money you have to invest. Investing has always been made out to be difficult for you, and you think you couldn't do it yourself, much less retire rich. Every time you think about it, you get overwhelmed and afraid of making a costly mistake. You know the drill. You get ready to do something - maybe on your own or in your employer's retirement plan. Then ... You find yourself lost in all the jargon and get-rich-quick schemes. You have no idea what to do. After some time, you give up and just let whatever money you have sit in a savings account earning no interest. Or worse - you ask somebody else to do it for you and trust it will turn out ok (hint - it won't). There are TONS of myths, misconceptions, and flat-out lies out there about how difficult it is to build wealth. 99 Minute Millionaire busts those myths and challenges everything you’ve been told about investing. This book contains proven solutions that every new and experienced investor needs to know - no matter what financial challenges you face. 99 Minute Millionaire Gives You The Path To Building Wealth Why many investors fail, and how you can ensure you don't How you can make the most money with very little work Important decisions every investor should be aware of 14 common and costly mistakes investors make How to manage your money like a pro The truth about financial advisors and investing professionals And much more! Follow the advice given in this book and by the end, after putting what I have to say into action, you will be a better investor than most professionals. Best of all, the rest of your life doesn’t have to be put on hold to do it either! This book shows you how you can continue to spend most of your time doing what you love instead of struggling to manage your money. Before your buy the book, I have one question for you: What's stopping you from taking 99 minutes to improve the quality of your finances and put you on the path to financial freed

    Many of us begin our twenties burdened with college loan payments, and it's not unusual to end them with even more debt, often in the form of a costly home mortgage. In this debt-bracketed decade, it's crucial to develop solid money-management skills that will see you into your thirties in sound financial shape. The more you learn about saving, budgeting, and other money matters during your twenties, the more solid a foundation you can create--a foundation that will support your financial life for the next seventy years! In this lively and fun book, personal finance expert Peter Dunn offers practical tips and strategies created specifically to address the financial concerns and goals of readers in their twenties. Learn to master the challenges of this crucial decade with YOUR MONEY LIFE: YOUR 20s.

     DOWNLOAD:: Write Your Book on the Side - How to Write and Publish Your First Nonfiction Kindle Book While Working a Full-Time Job You'll learn:     How much money you can make from a kindle book     The only thing that matters in the entire book-writing process     How to launch your book to Amazon #1 Best Seller status     How to pick a topic that people actually want to read     How to define your audience and outcome to narrow down your book's topic     How to write your book quickly using 13 time-saving strategies     How to design a cover for your book     How to publish it on Amazon KDP in 20 minutes And much, much more...Here's are the steps that are covered in the book:     Step 1: Choose a General Topic     Step 2: Narrow It Down     Step 3: Choose a Title and Subtitle     Step 4: Test and Iterate     Step 5: Outline Your Book     Step 6: Write Your Book     Step 7: Edit Your Book     Step 8: Format Your Book     Step 9: Design a Cover     Step 10: Publish Your Book     Step 11 [Optional]: Launch Your Book     Step 12 [Optional]: Turn Your Book into an Amazon #1 Best Seller     Step 13 [Optional]: Gather Emails from Readers     Step 14 [Optional]: Expand Into Other Formats Would you like to learn more? Download the book now and start writing your book today.

    Full of real-world examples and step-by-step explanations, this title demonstrates exactly how you can participate in the opportunities that exist in high-priced stocks for a fraction of the usual cost.

    The problem is, businesses are run by humans, and humans aren't always logical. Serial entrepreneur Mike Michalowicz has developed a behavioral approach to accounting to flip the formula: Sales - Profit = Expenses. Just as the most effective weight loss strategy is to limit portions by using smaller plates, Michalowicz shows that by taking profit first and apportioning only what remains for expenses, entrepreneurs will transform their businesses from cash-eating monsters to profitable cash cows. Using Michalowicz's Profit First system, readers will learn that:- Following 4 simple principles can simplify accounting and make it easier to manage a profitable business by looking at bank account balances.- A small, profitable business can be worth much more than a large business surviving on its top line.- Businesses that attain early and sustained profitability have a better shot at achieving long-term growth.With dozens of case studies, practical, step-by-step advice, and his signature sense of humor, Michalowicz has the game-changing roadmap for any entrepreneur to make money they always dreamed of.

    There have been 30 such corrections in the past 30 years, yet there's never been an action plan for how not only to survive, but thrive through each change in the stock market. Building upon the principles in Money: Master the Game, Robbins offers the reader specific steps they can implement to protect their investments while maximizing their wealth. It's a detailed guide designed for investors, articulated in the common-sense, practical manner that the millions of loyal Robbins fans and students have come to expect and rely upon. Few have navigated the turbulence of the stock market as adeptly and successfully as Tony Robbins. His proven, consistent success over decades makes him singularly qualified to help investors (both seasoned and first-timers alike) preserve and add to their investments.

    You work hard to provide every advantage you can. You want them to be safe, smart, and healthy. yet when it comes to money, it's a whole different story. If you're like most people, you'd rather run a mile through a desert with a camel on your back than talk financial realities with your children.Your parents told you that talking about money just wasn't polite. Look where that left you! A healthy, balanced attitude towards money begins when kids are just toddling, so pull you head out of the sand and help your child learn about money and how it works.Gail Vaz-Oxlade, Canada's #1 personal finance expert, will teach you everything your children need to know. Gail believes that building confidence and money skills begins with an age-appropriate allowance. In "Money-Smart Kids", she'll show you how to start an allowance and how to help your kids:- Make Saving a habit- Learn the difference between a need and a want- Use the "magic jars" to balance competing goals- Create lifelong money-management skillsWhat better gift could you give your kids than the confidence to control their money, rather thean letter their money control them? Whether your children are toddlers or teens, let Gail help you raise Money-Smart Kids.

    As it developed, the author realized that personal money management skills were rarely taught in high schools, colleges and even in MBA programs. Unfortunately, books on the subject tend to be complicated, lengthy reads. The book includes eight important lessons focusing on 99 principles that will quickly and memorably enhance any individual's money management acumen. Unlike many of the personal money management books out there, this book is a quick, easily digested read that focuses more on the qualitative side than the quantitative side of personal money management. The principles are not from a text book. Rather, they are practical principles learned by the author as he navigated through his financial life. Many are unorthodox in order to be memorable and provoke deeper thought by the reader. Not only an excellent graduation gift for high school and college students but also a great read for any adult!

    . . when God offers everlasting treasures in heaven? It's time to rethink our perspectives on money and possessions. In this thoroughly researched classic, Randy Alcorn shows us how to view these things accurately―as God's provision for our good, the good of others, and his glory.About the AuthorRandy Alcorn is an author and the founder and director of Eternal Perspective Ministries, a nonprofit ministry dedicated to teaching principles of God's Word and assisting the church in ministering to unreached, unfed, unborn, uneducated, unreconciled, and unsupported people around the world. A New York Times bestselling author of over 50 books, including Heaven, The Treasure Principle, If God Is Good, Happiness, and the award-winning novel Safely Home, his books sold exceed eleven million copies and have been translated into over seventy languages. Randy resides in Oregon with his wife, Nanci.