A useful, hands-on book to help readers prioritize their happiness through practical financial planning.
A thorough guide to keeping your finances—and emotions—in order.
This well-researched book is interested equally in offering emotional and financial advice. In a friendly, accessible tone, Cygan, a certified financial planner, acknowledges that money doesn’t equal happiness but that it surely helps. That said, hers is hardly a get-rich-quick message; rather, the strategies are pragmatic and balanced, since, she says, good financial health promotes good mental health. “If money were only the coins or bills in our wallets, life would be much easier and less stressful. Money is much more,” she says. “For people who have experienced periods with lots of money and other periods with very little money, it can trigger feelings of insecurity….Money can also incite feelings of fear and anger.” According to her guide, the key is not to make as much money as you possibly can but to find what makes you happy and then find a way to financially support that lifestyle. In most cases, the end goal doesn’t involve having a four-car garage. Cygan is essentially a proponent of the simple life, one that values experiences over things. If working fewer hours brings you sanity, figure out a way to make it happen. Don’t fall prey to jealousy or to keeping up with the Joneses. “Decide you don’t need a super-sized television or a trendy wardrobe. Even better,” she says, “strive to keep your car for 12 years. It’s a good first step.” While this may just sound like wishful thinking, Cygan gives her readers solid financial advice on how to achieve these dreams. Some of her suggestions may seem obvious, such as avoiding credit card debt and saving a little every month, but overall, her ideas are wide-reaching and sensible. She’s particularly good at helping readers think long-term and navigate tricky terrain like the differences between, say, a traditional IRA and a Roth IRA. With the well-laid-out table of contents, readers can easily use the book as a manual for specific issues they may be having.
A useful, hands-on book to help readers prioritize their happiness through practical financial planning.Pub Date: Nov. 1, 2013
ISBN: 978-0989778442
Page Count: 394
Publisher: Sage Future Press
Review Posted Online: Oct. 22, 2013
Kirkus Reviews Issue: Dec. 1, 2013
Review Program: Kirkus Indie
Occasionally wonky but overall a good case for how the dismal science can make the world less—well, dismal.
“Quality of life means more than just consumption”: Two MIT economists urge that a smarter, more politically aware economics be brought to bear on social issues.
It’s no secret, write Banerjee and Duflo (co-authors: Poor Economics: A Radical Rethinking of the Way To Fight Global Poverty, 2011), that “we seem to have fallen on hard times.” Immigration, trade, inequality, and taxation problems present themselves daily, and they seem to be intractable. Economics can be put to use in figuring out these big-issue questions. Data can be adduced, for example, to answer the question of whether immigration tends to suppress wages. The answer: “There is no evidence low-skilled migration to rich countries drives wage and employment down for the natives.” In fact, it opens up opportunities for those natives by freeing them to look for better work. The problem becomes thornier when it comes to the matter of free trade; as the authors observe, “left-behind people live in left-behind places,” which explains why regional poverty descended on Appalachia when so many manufacturing jobs left for China in the age of globalism, leaving behind not just left-behind people but also people ripe for exploitation by nationalist politicians. The authors add, interestingly, that the same thing occurred in parts of Germany, Spain, and Norway that fell victim to the “China shock.” In what they call a “slightly technical aside,” they build a case for addressing trade issues not with trade wars but with consumption taxes: “It makes no sense to ask agricultural workers to lose their jobs just so steelworkers can keep theirs, which is what tariffs accomplish.” Policymakers might want to consider such counsel, especially when it is coupled with the observation that free trade benefits workers in poor countries but punishes workers in rich ones.
Occasionally wonky but overall a good case for how the dismal science can make the world less—well, dismal.Pub Date: Nov. 12, 2019
ISBN: 978-1-61039-950-0
Page Count: 432
Publisher: PublicAffairs
Review Posted Online: Aug. 28, 2019
Kirkus Reviews Issue: Sept. 15, 2019
SEEN & HEARD
Career and business advice for the hashtag generation. For all its self-absorption, this book doesn’t offer much reflection...
A Dumpster diver–turned-CEO details her rise to success and her business philosophy.
In this memoir/business book, Amoruso, CEO of the Internet clothing store Nasty Gal, offers advice to young women entrepreneurs who seek an alternative path to fame and fortune. Beginning with a lengthy discussion of her suburban childhood and rebellious teen years, the author describes her experiences living hand to mouth, hitchhiking, shoplifting and dropping out of school. Her life turned around when, bored at work one night, she decided to sell a few pieces of vintage clothing on eBay. Fast-forward seven years, and Amoruso was running a $100 million company with 350 employees. While her success is admirable, most of her advice is based on her own limited experiences and includes such hackneyed lines as, “When you accept yourself, it’s surprising how much other people will accept you, too.” At more than 200 pages, the book is overlong, and much of what the author discusses could be summarized in a few tweets. In fact, much of it probably has been: One of the most interesting sections in the book is her description of how she uses social media. Amoruso has a spiritual side, as well, and she describes her belief in “chaos magic” and “sigils,” a kind of wishful-thinking exercise involving abstract words. The book also includes sidebars featuring guest “girlbosses” (bloggers, Internet entrepreneurs) who share equally clichéd suggestions for business success. Some of the guidance Amoruso offers for interviews (don’t dress like you’re going to a nightclub), getting fired (don’t call anyone names) and finding your fashion style (be careful which trends you follow) will be helpful to her readers, including the sage advice, “You’re not special.”
Career and business advice for the hashtag generation. For all its self-absorption, this book doesn’t offer much reflection or insight.Pub Date: May 6, 2014
ISBN: 978-0-399-16927-4
Page Count: 256
Publisher: Portfolio
Review Posted Online: June 22, 2014
Kirkus Reviews Issue: July 15, 2014
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