Why do high schools and colleges require students to take courses in English, math and science, yet have absolutely no requirements for students to learn about personal money management? Why Didn't They Teach Me This in School? 99 Personal Money Management Lessons to Live By was initially developed by the author to pass on to his five children as they entered adulthood. As it developed, the author realized that personal money management skills were rarely taught in high schools, colleges, and even in MBA programs.
Unfortunately, books on the subject tend to be complicated and lengthy. This book includes eight important lessons focusing on 99 principles that will quickly and memorably enhance any individual's money management acumen. Unlike many of the personal money management books out there, this book is a quick, easily digested listen that focuses more on the qualitative side than the quantitative side of personal money management.
These principles are not from a text book. Rather, they are practical principles learned by the author as he navigated through his financial life. Many are unorthodox in order to be memorable and provoke deeper thought by the listener. Not only an excellent graduation gift for high school and college students but also a great book for any adult!
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Most Helpful Customer Reviews
This book was an easy read, and when I say "easy" it means it needs to fit in my schedule and offer sound information. The format allowed me to pick up and read intermittently and I appreciated the information presented in this way. The principles are right on in the values and money/lifestyle management I would like to pass on to my 22 year old (I wish the book was out about 5 or 6 years earlier, but it's actually never too late for this guide) and 11 year old (guess who had occasionally read this with me?). When we were recently at a department store and checking out, the clerk asked me if I would like to apply for their store credit card and receive a certain percentage off my purchases for the day. I declined the offer, as I had completed the chapter about having only one credit card to be paid off monthly (no extra spending for me) and knowing the credit inquiry might reduce my credit score. None of the reasons for getting the new credit card was worth it and I was able to...
I purchased this book as a gift for a family member in high school, so I haven't actually read it myself. But what I can say is that when I was in high school, the best math class I took was one I chose to take as an elective during my senior year - Math Finance. Rather than teach math subjects like algebra and geometry, I can't understand why schools out there wouldn't require more useful math classes that are applicable in real life situations for everyone, no matter what their careers might be. My Math Finance class, which was rooted in personal money management, was the best math class I took. That being said, if your school won't require you to take a more "real life" math class, and doesn't offer many elective options to choose from, I would imagine a book such as this one would be a useful read. I'm sure our family member will read it and enjoy it!
All in all, there's a lot of sound advice in this book. If you've read personal finance books before, you'll find a lot of similar ground covered, but a refresher never hurts. One principle I totally disagree with and that's "don't get a credit card." Frankly, these days, it's difficult to rent a car or establish a credit rating without a credit card The principle should have been "be careful when whipping out the plastic." Other than that, there's excellent info within the pages of this book and it's a breeze to read.
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