All Your Worth: The Ultimate Lifetime Money Plan

Absolutely the BEST how to

I've lost the copy I had sometime ago,(so I'm buying it again for my children) but thanks to their information then, I learned how to not worry about.... anything. I had money to save, I had money to spend, and I had money to pay bills. I was able to save money over about 8 months time to get a vehicle, I was able to show the bank that I was consistently saving each paycheck, so they "believed in me". That money allowed me to get a vehicle loan through them instead of a big high interest account. I was even able to pay it off a little bit early. This infomation in this book gave me great peace of mind. I knew I had enough money to pay bills, save money, and most of all spend money on the things I wanted without the worry of "if I had enough or if I shouldn't have made the purchase." This information gives you peace of mind. You finally know where your money is, and if you have enough.

1 out of 1 people found this review helpful.

Highly Recommended!

Authors Elizabeth Warren of Harvard Law School¿s faculty and her daughter Amelia Warren Tyagi, a Wharton School of Business graduate, veer away from the usual save-your-pennies, clip-your-coupons genre of financial advice. They are less interested in teaching you how to pinch pennies than in showing you insightful ways to reclaim your life from your creditors and establish a sense of financial well-being. In fact, they warn that penny-pinching can be a dangerous distraction. The solution to out-of-control debt, they say, is a balanced approach, which begins by trimming the big-ticket budget busters that are devouring your income. The authors go beyond soft anecdotes and generalities to delineate specific tactics for plugging the holes in your finances, supported by diagnostic tests for readers. Occasionally their writing style is awkward - such as when they relate first-person anecdotes by specifying in parentheses which author is telling the story - but the book is otherwise lucid. The content reflects extensive, resourceful research. Best of all, the authors are realistic and don¿t promise any quick fixes. We strongly recommend this volume to anyone who needs financial guidance - and considering that U.S. banks alone will earn more than $100 billion this year in credit card interest, fees and other charges, that should include plenty of readers.

1 out of 1 people found this review helpful.

SIMPLE YET EXCELLENT PLAN

A great read, a simple yet excellent plan they present for the reader. After reading other money guides and financial planners, this one has been the best of the bunch.

Kudos!

You won't be able to put this very easy to read, well-written book down!! Finally, someone has written a book that can apply to the average, hardworking, middle-class person. I can't wait to get started on our new lifetime money plan. Ms. Warren thank you for writing this wonderful book, and Dr. Phil McGraw for encouraging Ms. Warren to do so! Kudos to the both of you!!!

Finally, a money plan that works!

So many books on financial planning are incredibly discouraging. Either you have to stop doing everything you enjoy in life or you have to have a lot of money to make a lot of money. All Your Worth gives real world advice to help you enjoy what really matters. The authors don't tell you to stop doing everything that is extra. In fact, they encourage you to have a little fun. You just have to budget what's important to you. My husband and I sleep better at night knowing our money is in balance. We don't have to feel guilty for enjoying the things we indulge in. I highly recommend this book for anyone that has ever struggled with the security of knowing their finances are in check.

No more worrying about money.

I¿ll admit it. This book changed my life. Corny, I know. But it¿s true. I used to be horrible about paying my bills. I make decent money, but I was always late on every payment. My problem was that I was never quite sure what I could afford. If I pay the cable bill now, will I still have enough money to go out this weekend? Will I my next paycheck clear before my rent check is cashed? I¿m 28 years old, how much should I put into my 401(k)? Do I even need a 401(k)? Warren and Tyagi¿s book changed all that in a weekend. Their core idea is so simple, but when you put it into action, it is incredibly powerful. Basically, they say that in order to address all of your financial worries, you just need to put your money in balance. They have just three categories, Must-Haves, Wants, and Savings, and every dollar you make goes into one of these categories. For me, that means, that I just take my paycheck to the ATM and spilt it up as I make my deposit. I put half into my checking account. Transfer 20% into my savings account. And the rest I take out in cash. What¿s so cool about dividing my money this way is that I never have to worry about bouncing a check. I know that there is always enough money to cover my bills because I use only use my checking account to pay my bills. As for going out on the weekend, I have cash in my wallet and I just use that. Getting used to their system is a little awkward. I found myself going through a lot of my expenses asking is this a Want or a Must-Have? And the authors spend a long time blasting the credit card companies and credit card debt in general. They make Citicorp seem worse than Big Tobacco and Microsoft combined. But once I got my money into balance and started using cash to buy dvd¿s and go out to dinner, my day-to-day life got a lot less complicated. For the first time in my life I don¿t know to the penny how much I have in my checking account. I don¿t know how which checks have cleared and which haven¿t. And I don¿t care. Thanks to Warren and Tyagi¿s book, I do know that there will always be enough money in my account to cover bills. And that¿s all that matters.

A Book about Money for Real People

This is the first book I have seen that really understands the problems that hard-working people have with their money and how to solve them. It does not tell you to count every penny or to cut out this or that. Instead, it gives you a whole new way of thinking about your finances. The authors don't lecture or preach. They teach. Like all good teachers, their lessons will stick with you for life.

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