Financially Fearless: The LearnVest Program for Taking Control of Your Money by

Description: Financially Fearless by Alexa von Tobel "The founder and CEO of LearnVest, the one of the leading personal finance sites, delivers a personalized, easy-to-follow financial plan that puts you in control over your money and lets you reclaim your financial life"-- FORMAT Hardcover LANGUAGE English CONDITION Brand New Publisher Description Finally, a financial plan that lets you be YOU, only richer. Its time to throw away all your old notions of what financial advice should look like. Because if youre looking for a book to put you on an austerity savings plan that has you giving up vacations and lattes, youre out of luck. But if youre looking to get your finances in rock-hard shape--in less time than it takes to finish a workout--then Alexa von Tobel, Founder and CEO of LearnVest, has your back.How? Through the LearnVest Program. First, youll take stock of where you stand today. Then, youll create your customized 50/20/30 plan. 50/20/30 simply refers to the percentage breakdown of how to spend your take-home pay each month. The 50 gets the essentials out of the way so you dont have to stress about them. The 20 sets your foundation for the future, then the 30 is left to spend on the things that bring happiness to your life.By the time youre finished reading this book, youll walk away with a financial game plan tailored to your priorities, your hopes and dreams, and your lifestyle. And, because von Tobel and the team at LearnVest are experts at financial planning in the online era, youll also learn how to integrate your financial plan into your mobile, social, digital life. Like your own personal financial planner between two covers, this book will set you up for a secure, worry-free money future, without having to give up things you love.So toss those old-school financial guides out the window, and get ready to start living your richest life. Author Biography ALEXA VON TOBEL, CFP® is the founder and CEO of , an award-winning financial planning site. A Certified Financial Planner™ who attended Harvard Business School, Alexa has been featured as a financial expert in the Wall Street Journal, the New York Times, BusinessWeek, Fast Company, Forbes, InStyle, Glamour and on the Today show, Good Morning America, Anderson, Katie, ABC News, Bloomberg News, and more. Her speaking engagements include Maria Shrivers Womens Conference, SXSW, Fortune Most Powerful Womens Conference, and TEDxWallStreet, and she is a columnist for Cosmopolitan, Inc. Magazine, and Ladies Home Journal. Review "Financial planning just got more accessible." — Wall Street Journal "Personal finance guru Suze Orman has some competition -- and it comes in the petite, tech-savvy package of von Tobel." - Fortune"Geared to help the financially complacent and those who need a push to face their finances...[Financially Fearless] delivers sound suggestions in an easy-to-digest package."-Success Magazine "Controlling your personal finances means controlling your destiny -- and being able to build your own entrepreneurial life. In Financially Fearless, Von Tobel shows you how to get the books of your own financial life in order - so you can live boldly, autonomously, entrepreneurially" - Reid Hoffman, co-founder and chairman of LinkedIn and author of The Start-up of You "Von Tobel believes that financial planning shouldnt a luxury. She has the ability to share spot-on advice with people across the country and give everyone the ability to join the movement." -Tony Hsieh, NY Times bestselling author of "delivering Happiness" and CEO of Zappos.com, Inc. "If youre the type of person whod never be caught dead buying a book on personal finance, pick this up right now. As fearless as the name suggests, von Tobel is a fresh face of a new generation. - Cathie Black, Former Chairman of Hearst Magazines "Von Tobels mission to help Americans become Financially Fearless is so important. Shes so on point with the information and empowerment people need where their finances are concerned." -Nate Berkus, author of Home Rules "What I love about this book is how von Tobel guides you, clearly and honestly, to improve your finances while still living your richest, most satisfying life. Getting in financial shape doesnt have to be painful—Financially Fearless proves that, once and for all." -Gail Simmons, author of Talking With My Mouth Full "Financially Fearless is incredibly readable, and more importantly, actionable. Von Tobel is a refreshing and genuine financial guru." - Cynthia Rowley Excerpt from Book The F Word Why, hello there. Ive got some good news. Youve just taken the first step toward getting your finances in check. Wait, come back here! I know what youre thinking. What finances? Does this meek retirement account really need managing? Or: Here it comes; shes about to tell me to never go on vacation. Or: Give me a break, I dont have time to even think past lunch, let alone calculate interest compounding for thirty years. If you think financial planning isnt for you, think again. Financial planning is not just for the 1 percent. Everyone deserves the peace of mind that comes with having a good financial plan. It doesnt matter how much money you do or dont have. Financial planning is not about getting rich; its about enriching your life. While money doesnt buy happiness, it does buy security, stability, and the freedom to do the things that make life worth living, whether that means going back to school, starting a restaurant, buying a beach home, having a baby, going on a safari, or leaving a crappy relationship. Money is our lifeline. When I first started writing this book, I wanted to call it The F Word. Why? Because talking about finances is still a massive taboo. We talk openly about everything else, from sex to diets to politics, yet when is the last time you spoke with your friends about money? Well, in this book you better believe were going to talk money, over and over again, from all different angles. Were going to take a hard, honest look at your spending and saving habits, and were going to take a fine-tooth comb through your bank accounts and your wallet. Were going to make money an issue, so it becomes a nonissue. In this book Im going to put you through the financial planning program Ive developed in my years founding and running LearnVest one of the leading online personal finance companies in the United States, and LearnVest Program, a registered investment adviser that provides personal financial planning services. This is a Program designed to help you earn better, save better, and spend better, so you can achieve the peace of mind that comes with knowing you are in real control of your finances. And a key component of the Program is openness--with others and with yourself. By the time were done here, youll create a detailed, personalized financial plan tailored to how you actually live your life. In the process youll get a clearer picture not only of what your money situation looks like now but also of where youll be financially in twelve months, in five years, even thirty years from now. I want to give you that feeling of relief that comes with getting in control of your money--the relief that comes from not having to lie awake at night worrying about bills or credit-card payments, the relief that comes with knowing you have enough saved for tomorrow without having to sacrifice the things that bring you joy today. Why Not Having a Plan Is a Plan--a Bad One If this is the first time youre thinking about this stuff seriously, you might think you dont yet have a financial plan, but guess what? Not having a plan is a plan--just a really, really bad one. When you play it by ear, youre throwing away money that you could be spending on the things in life that really matter. Worse, by not making financial decisions you are in fact making decisions--ones that leave you vulnerable to scary blind spots that will hurt you down the line, like not having proper insurance. Winging it is no way to build the future of your dreams. When I started out in personal finance, I believed I was the only one with oodles of "stupid" money questions. Then I realized that some of the smartest, most educated people I knew had similar questions. Despite all the books that have been written on the topic and all the financial experts out there touting their services, most people have no idea how to wade through the endless stream of conflicting and confusing advice online and on television, and who can blame us? Most high schools and colleges and grad schools across the country do not teach you anything about it. I had a top-notch education and graduated having been taught diddly-squat about managing my money. How are we supposed to get off on the right foot when literally no one shows us how? Not to mention that theres an endless amount of financial "stuff" to wade through--401(k)s, APRs, 529s, et cetera. Its easy to see why our nation has been struggling financially. How the heck is a normal person supposed to stay up to speed on all this stuff? And with this confusion comes anxiety. Since founding LearnVest I have looked deep into the American financial psyche, and what Ive found there is worry. Loads of it. Im in the unique position of reading confessional emails from tens of thousands of LearnVest users on our free site. So I know what Im talking about when I tell you that most people worry about money. Most people have doubts. Even those earning what the majority of Americans would consider to be a perfectly livable or even much more than livable salary are up at night worrying about money. In poring through mountains of research, one thing Ive found is that whether were single or married, rich or poor, making $13 an hour or $300,000 a year, we all have the exact same questions about money: Am I spending on the right things? Am I saving enough for my future? Am I making the best money decisions for me? The consequences of being in the dark about our finances are pretty scary: according to the American Payroll Association, more than two thirds of Americans are living paycheck to paycheck.1 And Im not just talking about people earning minimum wage. Three in ten Americans make more than $100,000 a year and still live paycheck to paycheck.2 Clearly, having money doesnt mean youre immune to money stress. Not for nothing did Notorious B.I.G. coin "Mo Money Mo Problems." And its a vicious cycle: The less we know about money, the more stressed we feel about it. So we avoid dealing with it. And the more we avoid dealing with it, the more stressed we get, and so on into an infinity of sleepless nights. But the good news is that no matter how much or how little money you have, you can manage it more strategically and put it to work for you. We all deserve that sense of freedom and power. We all can make progress. I believe that financial literacy is a fundamental human right. Thats why I started LearnVest: to give everyone the information and tools to take control of our financial futures, so we can finally stop feeling so alone and anxious about money. Before we get started, let me tell you more about why I got into the financial planning field in the first place and why I have devoted my life to blowing the lid off the money taboo. Heres Why I Care So Much When I was fourteen years old, my father passed away in an accident. I returned home from a fun summer night at the movies with friends to the worst news of my entire life. My mom, who was forty-eight at the time, was completely blindsided. In her twenty-five years of a very happy marriage she had never once imagined that she would find herself suddenly alone, caring for three children. Not surprisingly, in the days that followed, we were all in paralyzing shock. Through the haze, I overheard my mom on the phone trying to better understand exactly where we had our financial accounts. On top of dealing with the most heart-wrenching, soul-shaking news shed ever received, she also had to face another challenge: she would need to start dealing with our finances for the first time in her life. It wasnt that my mom was incapable; far from it, actually. It was just that when my parents had originally split the household tasks (like most of America for the last century, I might add),3 they had decided that my mom would manage the household budget and my dad the investments and long-term planning. As a result, there was my mom in the wake of his death also stressing over handling our money. And that was when I vowed I would never, ever, let that happen to me. I made an unbreakable commitment to myself to learn everything I possibly could about my money. And I did. Upon graduating from College, I read every personal finance resource I could find, but nothing spoke to me--a smart person eager to establish a solid, 360-degree financial foundation. In the course of talking to my friends over the years and doing months of research, I realized I was not alone. After a job in finance, I went back to Harvard for business school. Meanwhile, my business plan for LearnVest won a startup competition, and after a lot of careful consideration, I took a leave of absence from business school to pursue my dream of helping millions of people with their money. My timing could not have been crazier: we were in the heart of the worst recession in eighty-one years and the world seemed to be crumbling around me. But I knew people were in need of money guidance more than ever. In just four years, LearnVest, has become a game-changer in the personal finance space. Weve raised over $40 million in funding from investors who fundamentally believe in our mission. (They also backed Facebook, Etsy, and Kayak.) Weve grown to be not only an award-winning website but also a financial planning company: the LearnVest Program has Certified Financial Planners(tm) and thousands and thousands of clients working together nationwide. Today LearnVest, is a vast, ever-growing community of smart, savvy people relying on our wealth of conten Details ISBN0385347618 Short Title FINANCIALLY FEARLESS Language English ISBN-10 0385347618 ISBN-13 9780385347617 Media Book Format Hardcover DEWEY 332.024 Year 2013 Publication Date 2013-12-31 Subtitle The LearnVest Program for Taking Control of Your Money AU Release Date 2013-12-31 NZ Release Date 2013-12-31 US Release Date 2013-12-31 UK Release Date 2013-12-31 Country of Publication United Kingdom Author Alexa von Tobel Pages 336 Illustrations 60 B&W ILLUSTRATIONS Audience General Publisher Crown Currency Imprint Crown Currency We've got this At The Nile, if you're looking for it, we've got it. 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