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Get a Financial Life
Cover of Get a Financial Life
Get a Financial Life
A completely revised and updated fourth edition of the New York Times bestseller, designed to guide younger adults through the world of personal finance.
More than ever before, people in their twenties and thirties need help getting their financial lives in order. And who could blame them?

These so-called millennials have come of age in the wake of the worst economic crisis in memory, and are now trying to get by in its aftermath. They owe record levels of student loan debt, face sky-high rents, and struggle to live on a budget in an uncertain economy.

It's time for them to get a financial life.

For two decades, Beth Kobliner's bestseller has been the financial bible for people in their twenties and thirties. With her down-to-earth style, she has taught them how to get out of debt, learn to save, and invest for their futures. In this completely revised and updated edition, Kobliner shares brand-new insights and concrete, actionable advice geared to help a new generation of readers form healthy financial habits that will last a lifetime. With fresh material that reflects the changing digital world, Get a Financial Life remains an essential tool for young people learning how to manage their money.

From tackling taxes to boosting credit scores, Get a Financial Life can show those just starting out how to decrease their debt, avoid common money mistakes, and navigate the world of personal finance in today's ever-changing landscape.
A completely revised and updated fourth edition of the New York Times bestseller, designed to guide younger adults through the world of personal finance.
More than ever before, people in their twenties and thirties need help getting their financial lives in order. And who could blame them?

These so-called millennials have come of age in the wake of the worst economic crisis in memory, and are now trying to get by in its aftermath. They owe record levels of student loan debt, face sky-high rents, and struggle to live on a budget in an uncertain economy.

It's time for them to get a financial life.

For two decades, Beth Kobliner's bestseller has been the financial bible for people in their twenties and thirties. With her down-to-earth style, she has taught them how to get out of debt, learn to save, and invest for their futures. In this completely revised and updated edition, Kobliner shares brand-new insights and concrete, actionable advice geared to help a new generation of readers form healthy financial habits that will last a lifetime. With fresh material that reflects the changing digital world, Get a Financial Life remains an essential tool for young people learning how to manage their money.

From tackling taxes to boosting credit scores, Get a Financial Life can show those just starting out how to decrease their debt, avoid common money mistakes, and navigate the world of personal finance in today's ever-changing landscape.
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    Introduction

    A lot has happened since 1996, when I wrote the first edition of Get a Financial Life.

    The Internet has revolutionized the way many people interact with the world. The economy has experienced the greatest period of prosperity it has ever known. In the last three years of the 1990s alone, stock values doubled, and just about any stock with a "dot com" after its name has seemed like a winning lottery ticket.

    Despite these changes, the premise of the original edition of Get a Financial Life still holds: Many people in my generation -- those now in their twenties and thirties -- do not expect to live as well as their parents. In inflation-adjusted dollars, people 25 to 34 years old today still earn lower incomes on average than our counterparts in the 1970s. And we are carrying more personal debt (like credit cards and student loans) than any other generation has at our age.

    The good news is that there has never been a better time to get your financial life in order. If you're drowning in credit card debt, there are dozens of low-rate cards aggressively competing for your business. If you're hoping to buy a home in the next few years, there are more low down-payment loans to choose from than ever before. If you're eager to start investing -- even with very little money -- new tax-favored savings plans are available to help you make the most of whatever you can afford to set aside. And the Internet has made it exponentially easier to find everything from low-interest-rate auto loans to high-interest-rate savings options.

    This book will show you how to make the most of your money, whether you earn $20,000 or $200,000, whether you're single or attached, whether you're financially adept or financially confused. You will learn how to save even if you're barely making ends meet. You'll get straightforward advice on how to select the right stock mutual funds. You'll pick up tax strategies that could save you hundreds of dollars a year. You'll discover how to reduce outrageous bank fees and carefully evaluate your online banking options. You'll find strategies for handling your student loans. You will get unbiased advice on what kinds of life, health, and auto insurance you need, and what kinds you should avoid.

    This book will provide answers to specific questions, including: Should I contribute to my company's 401(k) plan? How do I determine whether I should buy or rent a home? Where's the best place to save? When does it make sense to start investing? How can I find out what's in my credit report? Should I buy or lease a car? What tax credits can I claim? How can the Internet help me shop for a home loan? Should I get a Roth IRA? Do I need a stockbroker?

    If the thought of reading an entire book on personal finance seems daunting, relax. Chapter 1 offers a summary of some of the most important steps you'll need to take, and "Financial Cramming" review sections at the end of each chapter highlight key concepts so you can be sure that you've nailed them.

    By the way, all of the information in this second edition of Get a Financial Life has been meticulously...

About the Author-
  • Beth Kobliner is a personal finance commentator and journalist, and the author of the New York Times bestseller Get a Financial Life as well as a new book for parents, Make Your Kid a Money Genius (Even If You're Not). Beth was selected by President Obama to serve on the President's Advisory Council on Financial Capability for Young Americans, dedicated to increasing the financial know-how of kids of all ages and economic backgrounds. A former staff writer at Money magazine, Beth has contributed to The New York Times and The Wall Street Journal and has appeared on CNN, MSNBC, Today, Sesame Street, and NPR.
Reviews-
  • AudioFile Magazine This information-dense program has valuable financial lessons to offer the new grad/early career set. Kobliner imparts wisdom on such topics as life insurance, mutual funds and the importance of saving. Despite clear efforts to make the presentation more lively, the facts and figures flow so quickly that they overwhelmed this reviewer. This abridgment is trying to achieve too much. Any of the financial topics covered merits an entire tape of its own. A.G.H. (c)AudioFile, Portland, Maine
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    Not permitted
    All copies of this title, including those transferred to portable devices and other media, must be deleted/destroyed at the end of the lending period.

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Beth Kobliner
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