Jean Chatzky

Learn how to money in this in-depth, full-color illustrated guide from New York Times bestselling author and financial expert Jean Chatzky, Kathryn Tuggle, and the team at HerMoney -- the perfect gift for the holidays, graduation season, back-to-school, and beyond!

There’s no getting around it. You need to know how to manage money to know how to manage life — but most of us don’t! This full-color, illustrated guidebook from New York Times bestselling author and financial expert Jean… Show more

Learn how to money in this in-depth, full-color illustrated guide from New York Times bestselling author and financial expert Jean Chatzky, Kathryn Tuggle, and the team at HerMoney -- the perfect gift for the holidays, graduation season, back-to-school, and beyond!

There’s no getting around it. You need to know how to manage money to know how to manage life — but most of us don’t! This full-color, illustrated guidebook from New York Times bestselling author and financial expert Jean Chatzky, Kathryn Tuggle, and their team at HerMoney breaks down the basics of money—how to earn it, manage it, and use it—giving you all the tools you need to take charge and be fearless with personal finance.

Featuring exclusive HerMoney interviews with CEOs, activists, and many more, How to Money will teach you the ins and outs of:
-creating a budget (and sticking to it)
-scoring that first job (and what that paycheck means)
-navigating college loans (and avoiding student debt)
-getting that first credit card (and what “credit” is)
-investing like a pro (and why it’s important!)

All so you can earn more, save smart, invest wisely, borrow only when you have to, and enjoy everything you've got! Show less

Get paid what you’re worth, build secure relationships, and make your money last with this valuable guide from a Today show financial editor and bestselling author.

Ask successful women what they want from their money and they’ll tell you: independence, security, choices, a better world, and–oh yes–way less stress, not just for themselves but for their kids, partners, parents, and friends. Through a series of HerMoney Happy Hour discussions (when money is the topic, wine helps) and… Show more

Get paid what you’re worth, build secure relationships, and make your money last with this valuable guide from a Today show financial editor and bestselling author.

Ask successful women what they want from their money and they’ll tell you: independence, security, choices, a better world, and–oh yes–way less stress, not just for themselves but for their kids, partners, parents, and friends. Through a series of HerMoney Happy Hour discussions (when money is the topic, wine helps) and one-on-one conversations, Jean Chatzky gets women to open up about the one topic we still never talk about. Then she flips the script and charts a pathway to this joyful, purpose-filled life that today’s women not only want but also, finally, have the resources to afford.

Through Chatzky’s candid three-part plan–formed through detailed reporting with the world’s top economists, psychiatrists, behaviorists, financial planners, and attorneys, as well as her own two decades of experience in the field–readers will learn to:
1. Explore their relationships with money,
2. Take control of their money, and
3. Use their money to create the life they want.

Women With Money shows readers how to wrap their hands around tactical solutions to get paid what they deserve, become inspired to start businesses, invest for tomorrow, make their money last, and then use that money to foster secure relationships, raise independent and confident children, send those kids to college, care for their aging parents, leave a legacy, and–best of all–bring them joy! Show less

Two of the world's leading experts explain the vital link between health and wealth that could add years to your life and dollars to your retirement savings.

All the money in the world doesn't mean a thing if we can't get out of bed. And the healthiest body in the world won't stay that way if we're frazzled about five figures worth of debt. TODAY Show financial expert Jean Chatzky and the Cleveland Clinic's chief wellness officer Dr. Michael Roizen explain the vital connection between… Show more

Two of the world's leading experts explain the vital link between health and wealth that could add years to your life and dollars to your retirement savings.

All the money in the world doesn't mean a thing if we can't get out of bed. And the healthiest body in the world won't stay that way if we're frazzled about five figures worth of debt. TODAY Show financial expert Jean Chatzky and the Cleveland Clinic's chief wellness officer Dr. Michael Roizen explain the vital connection between health and wealth--giving readers all the tactics, strategies, and know-how to live longer, healthier, more lucrative lives.

The same principles that allow us to achieve a better body will allow us to do the same for our investment portfolio. For instance, physical and financial stability comes down to the same equation: Inflow versus outflow. Do we burn more calories than we ingest? Likewise, are we making more money than we spend? The authors detail scientific ways to improve our behavior so that the answers tilt in the readers' favor. They also offer ways to beat the system by automating how we do things and limiting our decisions in the face of too much food or too much debt. Chatzky and Roizen provide a plan for both financial independence and biological strength with action steps to get you there. Show less

Military service members and families have enough to worry about let alone money, yet financial issues rank at the top of their concerns about military life, according to the most recent – 2013 – survey of Blue Star Families.

That’s why I wrote a free eBook on money management for military families called Operation Money, which is both free and available to download on my site. (Non-military folks can benefit from the financial advice too.)

A powerfully simple, must-have manifesto on money with more than 90 wealth-building rules from the Today show’s finance guru.

In a time of great financial uncertainty, this is the book everyone must read. The bottom line: Money is simple—people make it complicated. Now, bestselling personal finance author Jean Chatzky has distilled this simplicity into a smart, immediate, and entertaining set of rules that will change readers’ financial lives.

Chatzky removes the stress associated… Show more

A powerfully simple, must-have manifesto on money with more than 90 wealth-building rules from the Today show’s finance guru.

In a time of great financial uncertainty, this is the book everyone must read. The bottom line: Money is simple—people make it complicated. Now, bestselling personal finance author Jean Chatzky has distilled this simplicity into a smart, immediate, and entertaining set of rules that will change readers’ financial lives.

Chatzky removes the stress associated with all things money and says it clearly: Readers who follow these basic yet crucial approaches to spending, saving, investing, increasing their income, and most importantly, protecting what they have, will build the wealth and financial stability they’ve been dreaming of.

Written in her trademark warm, witty voice, and with a special Dos and Don’ts section, this is the only book readers really need to achieve true financial health and happiness. Show less

I believe knowing how to manage our money is one of the most important life skills for adults — and even more important to pass on to our kids. Not Your Parents’ Money Book: Making, Spending, and Saving Your Own Money is for the next generation of our nation’s spenders and savers, who need to know where money comes from, how they can earn it, and what they can do with it once it’s in their pocket.

It’s the product of a lot of research, done over the span of a year, with kids across the… Show more

I believe knowing how to manage our money is one of the most important life skills for adults — and even more important to pass on to our kids. Not Your Parents’ Money Book: Making, Spending, and Saving Your Own Money is for the next generation of our nation’s spenders and savers, who need to know where money comes from, how they can earn it, and what they can do with it once it’s in their pocket.

It’s the product of a lot of research, done over the span of a year, with kids across the country. (I have teens of my own, so I know what happens with books that bore them: I find them gathering dust under the bed!) So I conducted a series of informal focus groups, asking middle schoolers what they already know about money and what they want to know — and then wrote the book to meet their needs. I hope you’ll take a few minutes to look at my new book, and then take a few more minutes to sit down and talk to your kids about money (have the National Money Night Talk). It’ll be one of the most rewarding conversations you’ve had with your kids yet. Show less

The Difference answers one burning question: Why is it that some people seem to move relatively easily from paycheck-to-paycheck into comfort or wealth, while others get stuck or – worse – fall back?

Not to toot my own horn, but this book couldn’t have come at a better time. These days, more than ever, you need to know how to make your own luck, how to zero in on the things you’re doing everyday – right and wrong – that have an affect on your bottom line. I’ll show you how to develop… Show more

The Difference answers one burning question: Why is it that some people seem to move relatively easily from paycheck-to-paycheck into comfort or wealth, while others get stuck or – worse – fall back?

Not to toot my own horn, but this book couldn’t have come at a better time. These days, more than ever, you need to know how to make your own luck, how to zero in on the things you’re doing everyday – right and wrong – that have an affect on your bottom line. I’ll show you how to develop your intuition so you can recognize when to take a risk, help you increase your resilience in this bad economy, and tell you why it’s important to pinpoint your passion and make it your career (believe me, the money will follow).

All of this is based on a study I did with Merrill Lynch and Harris Interactive. We talked to more than 5,000 people from all walks of life. Three percent categorized themselves as wealthy; 27 percent said they are financially comfortable; 54 percent are living paycheck-to-paycheck and 15 percent are quickly spiraling further into debt. We dug deep to uncover the factors that made The Difference.

The good news? For the bulk of the people at the top of the financial ladder, wealth has come in the last ten years. Some had a brilliant idea that satisfied a need in the market and quickly blossomed into a multimillion dollar business (ever heard of Spanx? I talked to the founder, Sara Blakely, who started the company with $5,000). Some saved steadily over the years and are now enjoying the fruits of those labors. And others took risks that paid off in a big way.

Whether you want to be in the top three percent or the top 30 percent, you can do it. Show less

This book is a bit different from my others, in that it is intended to be a reference guide, and has been carefully indexed so you can flip to the section you need and absorb the information. Trying to decide whether to refinance your mortgage? Turn to page 184. Want to learn the best way to negotiate the price on that new television? Page 121 has the answer. Looking for life insurance? You’ll find all you need to know to select the best policy for you on page 255. All in all, you’ll find… Show more

This book is a bit different from my others, in that it is intended to be a reference guide, and has been carefully indexed so you can flip to the section you need and absorb the information. Trying to decide whether to refinance your mortgage? Turn to page 184. Want to learn the best way to negotiate the price on that new television? Page 121 has the answer. Looking for life insurance? You’ll find all you need to know to select the best policy for you on page 255. All in all, you’ll find the answers to well over 300 questions, along with resources – other books, organizations, web sites and government agencies – that I’ve carefully vetted, in case you need to learn even more. Show less

During more pleasant financial times, I wrote Pay it Down!, the Rx for getting out of debt. It helped hundreds of thousands of readers, as well as the million people who participated in the Debt Diet on The Oprah Winfrey Show (based largely on the information in the book). But as the economy twisted and turned, some of the rules of the road did too, and I decided to update that go-to guide for paying off your debt.

The fact is, whether you’re trying to negotiate with your creditors… Show more

During more pleasant financial times, I wrote Pay it Down!, the Rx for getting out of debt. It helped hundreds of thousands of readers, as well as the million people who participated in the Debt Diet on The Oprah Winfrey Show (based largely on the information in the book). But as the economy twisted and turned, some of the rules of the road did too, and I decided to update that go-to guide for paying off your debt.

The fact is, whether you’re trying to negotiate with your creditors, modify your mortgage, bring up your credit score or manage your student loans, you need different strategies than you needed a scant half-decade ago. And in this new version of Pay it Down! , I give them to you in straightforward, easy-to-understand terms. Follow my plan, and in three years, you’ll be credit-card free. In five years, you’ll have a safety net, so you don’t have to reach for a credit card when the furnace blows or the dog gets sick. And in ten years, you’ll have a healthy nest egg for retirement.

Even in these troubled times, you can pay down your debt with only $10 a day. You can find the money. I’ll show you how. Show less

A few years ago – after reporting on money for fifteen years – I finally cracked the code. If you want to get rich, you need only do four things:

1. Make a decent living
2. Spend less than you make
3. Invest the money you don’t spend
4. Protect the financial world you build so that a disaster doesn’t take it all away from you

Sounds easy, I know. So why, then, is it so hard, particularly for women?

Because women, more than men, make excuses. They tell themselves… Show more

A few years ago – after reporting on money for fifteen years – I finally cracked the code. If you want to get rich, you need only do four things:

1. Make a decent living
2. Spend less than you make
3. Invest the money you don’t spend
4. Protect the financial world you build so that a disaster doesn’t take it all away from you

Sounds easy, I know. So why, then, is it so hard, particularly for women?

Because women, more than men, make excuses. They tell themselves that they’re “just not good with money,” or that their husband “likes taking care of the finances.” They convince themselves that they deserve that new pair of shoes, or that they’re too disorganized to tackle the tower of financial paperwork on the desk.

These excuses are a pass: They allow you to believe that it’s okay to stay out of the game when it comes to money, or push off goals like saving for retirement for one more year. I understand this. In fact, I’ve said some of these things myself, believe it or not. But having a hand in your finances means, believe it or not, worrying less. You don’t have to wonder if you can afford those shoes, or if you need to push off the family vacation, because you know. You’ve seen the account balances with your very own eyes.

In this book, I take all of the excuses women make about money and turn them on their heads. I tell you how to decode the financial jargon to read your bank statements, how to save money (and where to put it) and why you – yes, you – are likely already a great investor. Show less

This was the first book where I used survey results to help people get a grip on their personal finances. In The Ten Commandments of Financial Happiness (which was published in hardcover as You Don’t Have to Be Rich), I analyzed the results of a unique survey in which we questioned 1,500 Americans about their financial attitudes and behaviors.

The goal was to see how much money people actually do need to guarantee a happy, comfortable life. We got down to the nitty-gritty, looking for… Show more

This was the first book where I used survey results to help people get a grip on their personal finances. In The Ten Commandments of Financial Happiness (which was published in hardcover as You Don’t Have to Be Rich), I analyzed the results of a unique survey in which we questioned 1,500 Americans about their financial attitudes and behaviors.

The goal was to see how much money people actually do need to guarantee a happy, comfortable life. We got down to the nitty-gritty, looking for specific behaviors that – if you really adopt them – can significantly improve a life. The results of this proprietary survey – conducted with the help of the Roper Center – were pretty remarkable.

I found that while a certain amount of money buys comfort, money can’t make you happy – at least not in the way most people believe it can. But it can make you miserable, if you’re managing it wrong.

The book explained how to “own your money” to create a happy and comfortable life. Outlining the financial habits of happy people shows how anyone can be a part of this group, no matter what they earn. Using real life examples, The Ten Commandments of Financial Happiness reaffirms that finances don’t have to be a source of stress and that living within your means can be extremely rewarding! Show less

In Talking Money, I offered a detailed guide on how to get personal finances in order. I already knew firsthand that, once minor money problems are under control, the big picture falls quickly into place. The idea was to talk frankly and clearly about the need to take control – and offer clear and doable ways of actually getting there.

Some bits of practical advice included:

-Understanding how to cut the interest you pay on credit cards, reducing the interest not only on all… Show more

In Talking Money, I offered a detailed guide on how to get personal finances in order. I already knew firsthand that, once minor money problems are under control, the big picture falls quickly into place. The idea was to talk frankly and clearly about the need to take control – and offer clear and doable ways of actually getting there.

Some bits of practical advice included:

-Understanding how to cut the interest you pay on credit cards, reducing the interest not only on all the cards in your wallet, but on your mortgage and home equity loan as well
- Picking a stock or mutual fund to fill in a portfolio and correctly allocate your assets
- Finding and saving money for your kids’ college fund
-Solid tips on how to purchase your first home
-And more!

This is a good book to guide you over financial hurdles, preparing you for long term goals and financial security. Show less