Smart is the New Rich
Money Guide for Millennials
Gebonden Engels 2015 9781118949351Samenvatting
Time is on your side smart money management for Millennials
Smart is the New Rich: Money Guide for Millennials is an interactive, step–by–step guide to all things money. From credit, student debt, savings, investing, taxes, and mortgages, CNN′s chief business correspondent Christine Romans shows this newest generation of earners how to build wealth. You′ll learn the old–fashioned approach that leads to a healthier financial lifestyle, and open the door on a straightforward conversation about earning, saving, spending, growing, and protecting your money. You′ll learn how to invest in the stock market or buy a home, even if you are still paying off student loan debt. Romans offers expert insight on the "New Normal," and why the rules of the credit bubble the one you were raised in no longer apply. Checklists and quizzes help solidify your understanding, and pave the way for you to start putting these new skills into action.
For thirty years, the financial rules for life revolved around abundant credit at the ready. A quick look around makes it obvious that those rules no longer work, and Millennials just now coming of age and entering the workforce need a new plan to build a solid financial foundation and healthy money habits. This book puts you on the right track, with step–by–step help and expert guidance.
Learn what you should ask yourself before spending any money
Revisit some old money rules that are actually good habits
See simple rules for managing student debt
Learn how to talk about money with friends, dates, and parents
Find out what makes a Millennial successful in the workforce
The economy is out of recession and growing, but many young people feel left out of the recovery. It′s why smart spending, saving, and debt management is so critical right now for them. A smart money plan is no longer a "nice to have" extra, it′s mandatory. Smart is the New Rich: Money Guide for Millennials is your guide on how to use time and some good money manners to build wealth.
Specificaties
Lezersrecensies
Inhoudsopgave
<p>Acknowledgments xv</p>
<p>Chapter 1 How to Think About Money: Budgeting Basics 1</p>
<p>Pay Yourself First 6</p>
<p>How Much Should You Save? 8</p>
<p>The Rainy–Day Fund 12</p>
<p>Roadblocks to Money Success 15</p>
<p>The Holiday Red Flag 15</p>
<p>Your Money Quiz 16</p>
<p>Chapter 2 College Investment 19</p>
<p>The Million–Dollar Payoff 21</p>
<p>It s Cheaper to SaveThan Borrow 23</p>
<p>Four Ways to Keep College Costs Down 24</p>
<p>WhatDo YouWant to Be When You Grow Up? 27</p>
<p>Not All Degrees Are Equal 31</p>
<p>Chapter 3 Managing Debt 37</p>
<p>Paying Off the Debt 39</p>
<p>Interest Rate Triage 42</p>
<p>A Safety Net for Low–Income Grads 43</p>
<p>Public Service Loan Forgiveness 45</p>
<p>Live Like a Student 45</p>
<p>Chapter 4 Job Market Fundamentals 49</p>
<p>The Long Healing Process 51</p>
<p>Fastest–Growing States 52</p>
<p>The College Degree Advantage 54</p>
<p>Chapter 5 Millennials at Work 59</p>
<p>Resume #Fail 64</p>
<p>You ve Got Two Minutes 66</p>
<p>The Hidden Jobs Market 67</p>
<p>Don t Call Them Soft Skills 70</p>
<p>Keep Your Eye on the Ball 72</p>
<p>Lean In or Lean Back 72</p>
<p>Online Tools to Help Set You Apart 77</p>
<p>Chapter 6 House Money 81</p>
<p>Missing the Real Estate Rebound So Far 84</p>
<p>Generation Renter 86</p>
<p>Get Ready to Buy 89</p>
<p>Mortgage Rates 91</p>
<p>Location, Location, Location 92</p>
<p>Affordability 93</p>
<p>Living at Home 93</p>
<p>Chapter 7 Family Money 97</p>
<p>Dating and Money 99</p>
<p>The Talk 102</p>
<p>What Kind of Debt? 104</p>
<p>Piggy Bank Parents 107</p>
<p>Friends and Finances 108</p>
<p>Crowdfund Our Wedding 109</p>
<p>Chapter 8 Understanding Investments 111</p>
<p>Getting Started: Tax–Advantaged Retirement Accounts 115</p>
<p>Time Is a Four–Letter Word 116</p>
<p>No 401(K)? Invest Anyway 120</p>
<p>Building Blocks 123</p>
<p>Chapter 9 Credit Karma 129</p>
<p>Debit Cards 130</p>
<p>Overdraft Protection 131</p>
<p>So You Want a Credit Card? 131</p>
<p>What Is the Credit Score? 133</p>
<p>Expensive Credit Monitoring 135</p>
<p>What Is the Fed? 137</p>
<p>Time to Buy a Car 138</p>
<p>Appendix A Web Resources 141</p>
<p>Appendix B Cover Letters: The Good, the Bad, and the Ugly 145</p>
<p>Appendix C PayScale 2014 2015 College Salary Report 153</p>
<p>Notes 193</p>
<p>About the Author 199</p>
<p>Index 201</p>
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