The best books on financial literacy: rating, description and reviews. Best Books on Financial Literacy - Learning to Manage Your Money Financial Literature for Beginners
Advice from successful people, stories of great businesses from their founders, principles of personal finance management. If financial independence is your goal, we recommend that you start your let by studying the books from our selection.
1. Maverick. The success story of the most extraordinary company in the world. Ricardo Semler
No secretaries. No dress code. No posts. No business plans. No schedules and working hours. Moreover, employees set their own salaries. Could you manage such a company? This is how the Brazilian Semco corporation is run by Ricardo Semler, who has turned a crumbling family business into the most extraordinary company of our time. He built a business model that survived economic downturns, industry strikes, hyperinflation, and more. Over the past 6 years, Semco has increased its revenue from $ 35 million to $ 160 million; the company has virtually no employee turnover, and there is no indication that growth will slow in the coming years. How did Semler decide to turn the company from the inside out, upside down, abolishing nine levels of management and introducing an unprecedented democratic order for his employees? The author talks about the amazing transformation of his company and the change in the mindset of its employees, how the chain reaction of transformation has turned an aging and dying enterprise into one of the most dynamic and innovative companies in the world. This is the story of a company that challenged traditional ways of managing and demonstrated to the world how you can succeed in the tough world of modern business by putting employee freedom above corporate goals.
Sir Richard Branson is more than just a talented entrepreneur who has built a unique Virgin brand that brings together dozens of completely different businesses, including record stores, airline and rail companies, a radio station and publishing. Branson's book is a manifesto of life, action, risk. The credo of its author is to take everything from life. It means not being afraid to do what you want. It doesn't matter at all whether you have enough knowledge, experience or education. Life is short to spend on things that are not enjoyable. If you have a head on your shoulders and enough fervor in your heart, any goal will be within your reach. If you like something - do it. If you don't like it, leave it without hesitation.
Inspirational books are not uncommon these days, but is this book different from many others? Rich Dad Poor Dad shows us a picture of the future person. And it becomes absolutely clear that without self-education, without motivation, without gaining experience, a person can not expect results that can amaze someone. The author frankly shares his thoughts, a special outlook on life, but also tries to influence the reader, influences thinking, expands the boundaries of knowledge, instilling confidence in the thought that shows that without self-development, without knowledge of the world, a person slowly degrades!
With this book, the creators of the super popular Rich Dad series kick off a new series, Rich Woman. The wife of millionaire Robert Kiyosaki wrote it for those women who seek financial independence from their husbands.
The author of this book is sure that in order to fulfill all your plans and desires, you must first of all succeed in monetary matters, using the principles of personal finance management set forth on its pages. For a wide range of readers.
Perhaps the most significant and authoritative book in the world - a guide to finding success, wealth, vitality of overcoming and determination. For 70 years "Think and Grow Rich!" considered the classic textbook on wealth creation. In each chapter, Napoleon Hill reveals the secrets of making money, using which thousands of people have acquired, multiplied and continue to multiply their wealth, while developing and enriching their personal potential. Here is a new classic edition of the epic work of Napoleon Hill, updated and revised to reflect modern realities. For the widest range of readers.
A children's book for adults? " - you ask in surprise. And why not, if such a financial genius as Bodo Schaefer gets down to business? Using the example of a childhood story, he shows us the path to wealth. Even readers who have come out of childhood will very quickly notice that Schaefer's advice and ideas are quite applicable to the world of adults, that a person of any age can realize them and learn something new. Little Kira and her friends learn to handle money, take care of it, multiply and get rid of debt. They begin to understand how to make the dream of a wealthy life come true. Bodo Schaefer explains every step that leads to well-being in an absolutely understandable way, and shows that pleasure can bring not only the possession of wealth, but the very process of making money.
In this impressive and mind-expanding book, Rady Gage uncovers the secrets to promoting health, happiness, and prosperity. But we warn you in advance: the author says everything directly, sharply and with cruel honesty, exposing the secret influence of "viruses".
The book's author, a well-known advocate of business philosophy, offers seven unique strategies for success. By adopting them, you will be able to control your time and finances, learn to change and strive for knowledge, gain a charge of energy and a desire to achieve goals, surround yourself with winners. For a wide range of readers.
Millions of people have read Rhonda Byrne's famous book The Secret and watched the film of the same name. But not everyone knows whose ideas and thoughts inspired their creators. Meanwhile, the Law of Attraction was discovered at the beginning of the twentieth century, only then it was called differently. One of the progenitors of "The Mystery" is the American writer Wallace D. Wattles (1860–1911), a follower of the New Thinking movement, well-known at the beginning of the last century, and the founder of motivational and self help literature. His works "The Science of Being Rich" and "The Science of Being Great" were far ahead of their time and are deservedly considered classics. In this book, they are presented in the modern edition of Dr. Arthur Pell and contain interesting explanations, historical references, etc. true greatness.
Everyone knows that a person is what he thinks about. That is why it is extremely important to fill your mind and your memory with the useful knowledge and things that you need. If you are looking to start an activity in the field of business or economics, or just want to know how to make and spend money correctly, then we suggest that you familiarize yourself with our selection of the best books on financial literacy.
The best books on financial literacy - our selection
Now there are many books in which you can find interesting information about financial literacy, however, if you want to improve your knowledge in this area, then it is best to read the following publications, which are included in the recognized TOP of the best publications:
Think and Grow Rich by Napoleon Hill
This book is considered the first to be read for those people who want to learn how to use money. She will not make a million dollars fall on your head, but she will change your attitude towards ways of making money, and, in fact, towards them. The main idea and main message of the book is for making money big money you need to change your way of thinking.
“Rich dad. Poor Dad, ”Robert Kiyosaki
This book, like the previous one, has become a real bestseller. She talks about how a person's way of thinking can affect him financial condition... The book describes the views on the life of a successful person and an ordinary ordinary employee.
Think Like a Millionaire by T. Harv Ecker
This bestselling book on financial literacy, like other top money books, is philosophical rather than practical. The author of the publication claims that, after getting acquainted with his creation, you can understand why some people are financially secure, and some - work unsuccessfully all their lives. The book will reveal the secret of how to achieve financial success in life and where to start on the road to financial well-being.
Millionaire in a Minute Robert Allen, Victor Mark Hansen
The book is divided into two parts. The first is more practical and provides precise and clear advice for those looking to become a millionaire. The second part tells the story of a man who, thanks to the advice and rules from the first part, really managed to get rich.
The Richest Man in Babylon by Clayson George
This work will teach you how to properly manage your personal finances and understand the channels through which money comes and goes from us.
“The path to financial freedom. The first million in seven years ”, Bodo Schaefer
This book also examines the influence of thinking on success, and also describes real examples of how people managed to earn large sums of money in a short time.
“Multiple Sources of Income,” Robert Allen
"Mani, or the ABC of Money", Bodo Schaefer
Another work by Bodo Schaefer in our selection. This book will help you decide what exactly money means to you, and only then teach you how to earn it correctly and how to save interest on your profits.
“Where does the money go”, Yulia Sakharovskaya
Work Russian author Yulia Sakhorovskaya tells us about the correct management of personal finances. This is a fairly practical book that does not talk about how to make money, but how to properly distribute it so that everything is enough.
"To hell with all of it! Take it and do it! ”. Richard Branson
This book is less about financial literacy, but about its emotional and motivational component. The main message of the author lies in the title of the book - if you want to make money, then take it and do it!
Rich Woman by Kim Kiyosaki
“7 Strategies for Achieving Wealth and Happiness” by Ron Jim
Jim talks about specific strategies, adhering to which, you can achieve success in what you love and earn good capital on it.
Personal Fortune by Stuart Lucas
Another well-known book, which describes in detail and clearly not only how you can earn good capital, but also how to properly dispose of it.
It's hard not to notice that sometimes the names of the authors are repeated. The fact is that the people who wrote these books really managed to achieve success in the financial sphere, and now, among other things, they are engaged in helping others learn how to use money. And for this one book may not be enough.
Why books are needed to improve financial literacy
Actually, this is what they are needed for - to increase the level of knowledge of readers about the basics of financial literacy and teach them how to use their money. In fact, in our time, this information is needed not only for those people who are going to work in the field of business or, but also for everyone who wants to be able to handle their financial capital. If you live paycheck to paycheck and any more or less serious purchase raises the question "Where to get the money?", Then books on financial literacy will help you control your incoming and outgoing financial flows.
The number of people in our country is at a very low level. You don't have to be an expert to understand this. Investments, deposits, mutual funds, etc. This is only for financiers, ordinary people do not need to know these terms. Financial literacy books will help you understand that this is a misjudgment. These are not just regular textbooks for economists, but real tools for obtaining, preserving and increasing money.
The poor and the rich, the successful and the losers, businessmen and employees. We live in a world where two extremes constantly collide. Some have firmly grasped their place in society and do not try to change it. Some try to climb one step, then another, fall, but rise again. What category of people do you belong to?
Chat with your immediate environment. What do they say about money?
- Money is like water, it flows away to no one knows where.
- We must live one day and take the maximum from life.
- Life is given once and it is pointless to spend it on saving and accumulating money.
- I live paycheck to paycheck and I have nothing to save.
Familiar phrases?
These phrases were alien to me even before I studied financial literacy, and now it's just ridiculous to hear them. Read at least one of the books on the list and see how much your attitude towards money has changed. If nothing happened, come back to life one day. She is really alone. And everyone has the right to live it as he wants.
If you are used to listening to audiobooks in the car or while exercising, then pick up something for the near future and financial literacy. You will spend time usefully and learn to save money after listening.
Best foreign authors
We will start with foreign literature due to the fact that issues of financial planning began to be dealt with there long before us. We've come a long way, got bumps and wrote a huge number of practical guides to action. Some have become bestsellers. Let's take a look at a small selection of the best ones.
1. J. Clayson "The Richest Man in Babylon"
* the electronic version of the book can be bought and downloaded in the following formats: fb2, epub, pdf, txt.
A book for beginners, which, using the example of ordinary people, shows how to build capital. It gives very simple advice on how to get rich. Although this advice is very simple, many people find it difficult to follow because it is not easy to implement. “You need to keep some of your earnings” - this is the advice. It has already become a common truth, almost all authors talk about it on the pages of their financial books.
George Samuel Clayson calls for simple rules:
- Set aside at least 10% of each amount of money earned. Appetite comes with eating. You will not notice how you gradually move to 20, 30 or 40%.
- Consult with knowledgeable people. I take this advice with caution for the simple reason that there are not so many of them in our country. Therefore, at the first stages of accumulating and increasing your funds, I recommend reading professional literature and be sure to filter the information received there.
- Money should work. This is taught in the first years of universities. They just do not say how to do this with the small amounts that the majority of the population of our country has. I discussed savings mechanisms for low-income families in an article on how.
2. R. Kiyosaki "Rich Dad, Poor Dad"
The problem for many people is that they spend as much as they earn. Money rules their lives.
So it was with our family. When my husband and I were just starting to live together, we were both young professionals with a small wages... We made do with inexpensive things, bought cheap products. Over the years, our professional level has grown, and our earnings have grown, but expenses have also grown. There are expensive products in the refrigerator, going to restaurants. Fortunately, we quickly recovered our sight.
The only rule to learn from the book is to invest money in assets, that is, in what brings money, and not in what takes it. Due to financial illiteracy, we often confuse these concepts. Read the book by Robert Kiyosaki and learn to distinguish between them, and also understand how rich and poor people think. What type of thinking do you consider yourself to be?
3. N. Hill "Think and Grow Rich"
The book was published at the beginning of the 20th century and was reprinted more than 40 times. Considered a bestseller. The book contains the author's experience in studying the psychology of successful people. The main conclusion that Napoleon Hill makes and brings to us is that wealth is work, constant work on oneself, the search for ideas and action.
The book contains the stories of famous millionaire people who believed in themselves, in their idea and went to it, despite the ridicule and misunderstanding of others.
Motivation at the stage of realizing that we are missing something in life and doing something wrong is very important. Everyone must go their own way to understand the need to manage their own money.
N. Hill's book inspires, teaches to think and get rich. If you need a magic kick, welcome to the pages.
4. Bodo Schaefer "Mani, or the ABC of money"
The first impression from the beginning of the reading is that this is not for you, but for your daughter or son. Children's literature. The book is written on behalf of a 12-year-old girl who is learning the basics of financial literacy with her dog Mani. But the first impression is deceiving.
It will be useful not only for teenagers, but also for adults. After all, many of us are still children in matters of money. The author explains the basic principles of wealth in simple and understandable language. What is money? How to learn how to earn them? How to save and grow? You will find the answers on the pages of the book.
By the way, it will not be superfluous to show this book to your children. At school, they are unlikely to tell anything about money. And in adulthood, it is better to spend time not learning the ABC of finance, but developing a financial strategy and tactics for getting rich.
The best Russian authors
Books by foreign authors take into account the realities of the Western world, in which much more attention is paid to financial literacy than in our country. Therefore, people there are more savvy in this matter. This is understandable, why teach how to make money in a country where there were no financial instruments for accumulating and increasing them, except for Sberbank.
Only since the 90s of the last century did it become necessary to talk about what money is, where it comes from and where it goes then. It took several more years to grow our own financially successful people who shared their personal enrichment skills. Therefore, there are still few books by domestic authors on the market, but great value they have.
Let's consider the most popular ones. Two of them are from Vladimir Savenok, who is one of the first financial consultants in the post-Soviet space.
5. V. Savenok "How to draw up a personal financial plan and how to implement it"
Vladimir Savenok has been professionally engaged in finance for over 20 years. As he himself notes, his book is written in a language that is understandable for everyone. The author teaches in a very accessible form how to work with money, understand its movement and feel pleasure from the fact that you are managing it, and not vice versa. Vladimir points out the obligation of financial planning for each person and for an individual family, regardless of income level.
This has been verified in my own experience. Only 2 months have passed since the beginning of financial planning in our family. I clearly know how much our family income and all items of expenditure are up to a penny. The first item in our expenses is the amount of 10,000 rubles, which we put on a deposit every month. We plan the family budget for a month in advance and try to stick to it. While the flight is normal.
But the main thing that V. Savenok pays attention to is the obligatory implementation of the acquired knowledge. Otherwise, the book will become just one of ...
6. V. Savenok “A million for my daughter. Step-by-step savings plan "
The title of the book already contains the main message. The author explains how to accumulate capital, which investment mechanism to use, how to protect money from inflation. The book is for those who do not live today, who think not only about their own, but also about the well-being of their children.
If you have never heard what stocks, bonds, pension insurance are, then the author talks about it in the text and pictures.
In an easy, accessible form, inherent in all the books of V. Savenok, he uses practical examples and personal experience teaches the art of accumulation. The book is not only theoretical material with practical examples. it workbook... What it is? You not only read, but also fill out the calculation tables given in the book, which are an accumulation plan.
The book can become your desktop for the next 10, 15 and more years.
7. Yu. Sakharovskaya “Where does the money go. How to correctly manage your family budget ”
This book is not about how to live on credit or spend as much as you earn. This is a book for those who have pondered the question of where all their salaries go and why they cannot save up for a house by the sea, their own house or a car.
Yulia Sakharovskaya is a financial consultant in family finance management. She teaches how to compose and optimize expenses and talks about the basic tools of accumulation. The main principle- this should not happen to the detriment of the everyday joys of the family.
What is financial literacy? This is a set of certain knowledge and skills that help a person improve his living conditions. This definition includes understanding and competent planning of all cash costs.
On adne.info we have already touched upon the issues of this area many times (especially in the course of economics), now it's time to consider the general concept.
Speaking more simple language, financial literacy is the ability to spend money wisely.
This skill can change life for the better. Accordingly, the more and deeper knowledge in this area, the more comfortable living conditions will be for you.
Of course, there are people like financial analysts, but their services are expensive, and there are many such cases when it is easier to resolve the issue personally.
Earlier we have already published the story of a reader who, earning more than 300 thousand rubles a month, is constantly in debt, cannot save up, is mired in credit card payments, etc. And oddly enough, there are many such people. A person can be a cool specialist, for example, a programmer, fitness trainer, make a lot of money, but not be able to manage it.
- First of all, it is knowledge of the tax code;
- You may also need at least basic knowledge in the field of accounting;
- You need to draw up a plan in which all expenses will be spelled out (learn to set goals);
- Know what money is and be able to use it competently for your own purposes.
All of these points represent the foundation on which the whole concept of economic literacy is built. After studying them, a person has the opportunity to expand his horizons in the field of economics.
Financial literacy levels
Reputable economic publishers routinely divide financial literacy into several levels, from 0 to 3. So far, they have no clear characteristics, but you can cite the features that characterize them:
0 level - complete absence of any knowledge in this topic;
Level 1 - possession of a basic set of knowledge;
Level 2 - the ability to use the basic financial instruments;
Level 3 - a complete understanding of the topic, the ability to properly plan all expenses, investing money.
It is worth noting that the difference is noticeable between levels 1 and 2, rather than 1 and 0. This is because everyone can draw up the simplest plan for spending their finances, which cannot be said about investing.
Don't think that getting level 1 is enough for you, these are just the basics. You will not be able to improve your living conditions if you do not know how to invest correctly and increase money. And as mentioned earlier, levels 2 and 3 study the topic of investing.
You can make the most clear portrait of the person with the maximum knowledge in this topic. Most of his finances don't just lie in his pocket or at home. They are in banks or in the form of securities.
Personal economic literacy is a set of certain knowledge about the economic environment, as well as events in it. It is mandatory for every citizen. The more literate citizens there are, the better the economic situation in the country becomes.
Why is financial literacy good for you?
A more precise concept was already given earlier, and now it is necessary to talk about what a person's economic awareness affects.
Firstly, this kind of knowledge gives a person the opportunity to be aware of everyone latest news from the world of finance. He will have a deeper understanding of how certain financial structures work, how to act in certain situations.
A very clear example can be given. Not many people know, but the Central Bank has nothing to do with the government, as it is a separate financial structure. That is, if the state goes bankrupt, the bank will not be responsible for this. In addition, all the money that is in economic circulation is the obligation of the Bank of the Russian Federation, and the state has nothing to do with it (formally).
In simpler terms, our money is not secured by the government in any way. This fact lies on the surface, but no one is interested in it, but in vain.
It is the literacy of the population, which takes an active part in the circulation of money, that is the most important link in improving the economic situation in the country. If an entrepreneur needs money to develop his business, and you have finances, there is an opportunity to profitably acquire a certain share of the business, which will generate income in the future. The economy of most developed countries is based on this.
At the household level, finance is money. And our whole conversation today comes down to the ability to manage your money.
5 reasons to become economically literate
There is a very widespread opinion among people that if you do not have any financial education, then it is not necessary to be literate in this area. It's not like that at all! First of all, because such knowledge will help improve your living conditions and start making money. There are several reasons why you should learn financial literacy.
1. Formation of financial thinking.
Thinking is one of the main qualities of any entrepreneur. However, many people mistakenly believe that this is not the case.
A very good example can be given. In 2014, one car owner was selling his car for 450 thousand, despite the fact that its price was 500. Many discouraged him, but he still sold it. A month later, the crisis began and prices for cars and real estate plummeted. This is financial literacy, the person has calculated in advance all the possible development of the plot, and made the right decision. Thanks to the ability to calculate the economic situation in the world, a person was able to earn more than 50 thousand rubles.
2. Improving welfare.
The level of knowledge will directly affect the size of your monthly earnings. Perhaps these indicators are completely unrelated, but this is not entirely true. The point is that not only work can be a way of earning money. America, where virtually everyone makes money from securities, is a good example. Thanks to your knowledge, you will also be able to invest money wisely in order to have a good income from them. Over time, you can invest your money in large projects for larger earnings.
3. Reasonable work.
There is a stereotype among people that a rich person should work hard. In most cases, this is true. However, the rich can also be divided into two groups. One group is really workaholics, while the other knows how to profitably invest their finances. Perhaps the first group of people will earn more, but they also have much less personal time.
People who know how to observe economic system have a clear idea of when to invest their capital, and how much. That is why you need to develop your knowledge in this topic.
4. Reducing costs.
A person who is literate in financial matters knows how to competently manage his money. The fact is that most stores use psychology when selling their products. When you go to the store, you can easily be distracted by a bright sign or a colorful inscription, and then buy something that is completely unnecessary. Alas, this is the structure of the human psyche, and sometimes chains of stores or financial companies insolently profit from it, forcing people to spend their money.
It is knowledge that will help you not to react to such baits, and become completely independent. Why take out a loan when you can wait a bit and accumulate the required amount? The higher the level of knowledge, the more difficult a target you become for marketers.
Learning to save is good for your budget.
Tip: Learn to build a family budget table and control expenses. If you use cards, then applications like Sberbank online will not be superfluous, where you can clearly see where the money is spent, as well as create savings accounts that will be automatically replenished.
5. Reducing risks.
Many organizations can take advantage of our illiteracy, and a bank will be an example of this. Many credit managers take advantage of the lack of education of their clients, and tell them that it is worth taking a loan for a higher amount at a low interest rate.
Let's say that you took out a loan at 20% per annum. However, the real interest rate will remain at 40%. This happens because the manager imposes additional services on the client. For example: SMS mailing or insurance.
It's easy to get started - keep a table of income and expenses.
In order to raise your level of knowledge to a decent level, you do not need to study for 10-12 hours a day. Spend 1-2 hours on education, and soon you yourself will notice how you will become more literate in terms of economy.
How to improve your financial literacy
Their stories and experiences will help you in business and investment.
The central bank has been dealing with this issue for a long time. In the branches of this financial organization, you can sign up for special seminars that will help you become more economically literate. However, there is one drawback, such courses are held only for schoolchildren.
Therefore, if you are not a schoolboy, then you will have to comprehend this science on your own. However, this is not as difficult as it seems, because thanks to the Internet and libraries, you can get all the necessary literature.
The most difficult topic will be financing. It is precisely this that will require you to delve into science as much as possible. And now it is worth telling in more detail about the literature, which will be useful in the learning process.
Financial Literacy Books
And it's worth starting your study with Internet resources. They contain the basic information on this issue.
To expand your economic horizons, the RBC website may come in handy. The Central Bank website will help you recognize counterfeit money.
How to learn how to save money and increase it?
And now it's worth talking about specialized literature:
- Richest man in Babylon. Clayson D. The book teaches financial thinking.
- The ABC of Financial Literacy - Avedin. V. - Great for beginners. Contains all the basic knowledge that will be useful at the beginning of the study. With its help, you can find out what financial literacy is and why you need it;
- Financial analysis - O. Efimova As the title of the book implies, it will help you understand the essence of financial analysis.
- Rich Dad Poor Dad - Roberta Kiyosaki. This book will tell you what money is and how to properly manage it. You will learn that money is not only paper, but the key to a better future;
- Multiple sources of income. Allen R. Learning to look for additional sources of income.
- Trilogy of Desires. It tells about the American entrepreneur, and about his path from the very beginning. This book has it all, ups, downs, and even a prison;
- Atlas squared his shoulders - Ayn Rand. About what an entrepreneur means to society.
Last update: 17-02-2019
In "Money or the ABC of Money" the story of financial literacy is led by a girl who already began to earn money in her youth. A labrador dog helps her to cope with many moments.
Surprisingly, the book is intended primarily for children. Moreover, even adults will find a lot of new things for themselves in the work.
Quotes:
- Luck on closer inspection turns out to be just the result of a lot of work and careful preparation.
- If you continue to think the way you thought before, then the results will be the same as before.
Small enough in volume, easy to read, literally in one day.
On the simple examples Bodo Schaefer shows you step by step how to achieve financial well-being. Moreover, even from the process of making money, you can get real pleasure. A total of 34 patterns in the handling of personal finances are listed.
It doesn't matter that all events take place in Germany and through the eyes of a child. The rules can be easily transferred to Russian realities.
Robert Kiyosaki "Rich Dad Poor Dad" - Will Change Your Worldview
A detailed example with a table of expenses how to distribute money in a family
A lot of people, without really understanding it, criticized the book "Rich Dad Poor Dad." And this is not surprising, because after reading they tried to get rich instantly, or at least find in the work some secret of attracting money.
Robert tried to convey that he needed to work, not spend everything he earned, but invest free money in the business.
Unlike other books, Kiyosaki did not talk about building a business for beginners. Robert only draws the reader's attention to psychological moments in his mind. This is especially true of financial stereotypes that haunt people before retirement age.
The writer gives advice that:
- You should not move into a four-room apartment when your salary rises - after all, rent will increase significantly.
- Do not buy an expensive car at the first increase - the cost of fuel and components will be proportional to the investment.
- You don't have to work three jobs to dine in expensive establishments.
- Don't waste your savings on entertainment. They need to be used to generate active and passive sources of income. After all, you will definitely not be able to jump above your salary right away.
- After opening the first new source of income, you need to think about starting a business.
The author says that modern education prevents people from organizing their business. In schools, we are taught that we just need to work (moreover, they do not tell where and how) and then we can become a sought-after specialist. The same thing happens at the university. And then the person is surprised that he is already 40, and nothing interesting happens in life.
Kiyosaki abandons the idea that you need to learn how to come up with your own entrepreneurial business and yourself become the “uncle” for whom others work.
Selected quotes:
Rich people acquire assets. The poor and middle class acquire liabilities, which they consider to be an asset.
This book is more about worldview. Shows the life of the majority and its other version.
Vladimir Savenok "How to make a personal financial plan" - practical examples
If you want to achieve financial security, stability, then you must read this book in full. Then you will be able to gain control over your own money and learn how to manage it correctly.
Vladimir Savenok- Russian specialist in the field of personal finance.
He tells in detail about that:
- how to make money work for you, moreover, it does not matter what amounts are available at the moment;
- how to find funds for the realization of personal goals with the help of proper financial planning;
- how to achieve complete financial independence.
The book is written for every person. The narration is conducted in an interesting and simple language. The reader will not have to understand boring terminology and look into special textbooks.
After all, most people are used to the following: when it comes to finance, they start yawning and don't understand practically anything.
Usually, few people know about the work of insurance companies and monetary risks. After reading this book, you only want one thing - to act!
Selected quotes:
What is the minimum you can “pay yourself”, or, in other words, invest? 10% of your total income.
The book contains a lot of examples. of Everyday life(our realities, not another country), which everyone can adapt for themselves.
Summary
In the comments, share useful findings (books) and how they helped you.
P.S. For those who think that all this is not applicable here, I can only say that everything is in our head.
