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The most revolutionary and different from other PF manuals is, I think, the case for limiting your Must-Haves and not scrimping on Wants. It is well-made and based on the data-driven findings in the previous book. Most PF manuals will either straight-up tell you not to spend on yourself, or they certainly won't contradict that idea. But Warren and Tyagi are firm that infinite guilt and belt-tightening are unsustainable, and that a lifestyle that forces you to dump all your money into basics and leaves you no room for enjoying your life is unbalanced.

It's nonjudgmental In the previous book, Warren and Tyagi take particular issue with books like Affluenza: The All-Consuming Epidemic which diagnose America's problem as one of overspending on stupid luxury stuff. Their evidence suggests that this is not the general society-wide problem at all although they do include a section in the balancing help section of this book on how to cut back if Wants overspending IS your problem.

In their section on relationships, they also encourage you not to judge or criticize how your mate spends their Wants spending. If it goes out of balance, that's an issue, but if it's in balance, WHAT it's spent on is not the issue.

All Your Worth: The Ultimate Lifetime Money Plan

Everyone thinks everyone else's Wants are stupid. It's fine. It's specific A lot of personal finance manuals shy away from specific numbers. They'll give general ranges or ballparks. I guess this is in the name of flexibility, but it leaves you, the dopey layman, to make your own decisions about questions that you may not really know how to answer.

Does three to six months' emergency fund mean I need 3 or 6 months?

Review: All Your Worth - The Simple Dollar

And what is a "month", really? All expenses? Barebones expenses? All Your Worth is super-specific about numbers and leaves no room for interpretation. It lays out exactly which expenses qualify as Must-Haves, Wants, and Savings, and why; it tells you what percent you should spend on each and whether that percent is an upper or lower limit ; and it tells you that your 'Security Fund' as they call it is 6 months of Must-Haves.

No room for ambiguity. At the same time It's flexible While Warren and Tyagi are clear on how to figure out how much you need to save, how much you can spend on Must-Haves and Wants, and what type of purchase each category covers, they leave the field wide open for WHAT you spend on.

You can use up all your Must-Have money on mortgage and not have a car. You can spend all your Wants money on your classic car habit, or you can get lunch out every day, or you can break it into a hundred tiny categories, or you can donate it all to charity. Similarly, with your savings, once you'd paid off the urgent emergency categories, they designate that half of your savings must go to retirement, a quarter to mortgage if you have one , leaving a quarter to half of it to go to "Dreams," meaning anything you want to save for.

Trip to the Leaning Tower of Pisa?

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Kids going to Harvard? Whatever is meaningful to you. I am not really the target audience for All Your Worth. It's pretty clear that the audience that the authors had in mind for All Your Worth is someone who has been battered around by financial life there are long sections on credit card debt and how to determine if you need to file for bankruptcy. To me, that sounds low. Since I "discovered" personal finance and I really wish I'd read this book FIRST , I figured I should slam on the retirement savings because I'd love to retire a few years early or not have to worry about money in retirement.

Hey, wait, that's So that's where my Dreams money should go. If I want more, rather than skimping on my Wants, the All Your Worth system would prefer me to streamline my Must-Haves--remove a contractual monthly obligation here, renegotiate my insurance there--so that now only am I freeing up more money for savings, I'm also putting myself in a better situation should an emergency hit. May 10, Natalie Tyler rated it it was amazing Shelves: excellent-books , great-non-fiction.

I wish that this book had been published 40 years ago. Warren, and her co-author daughter, have a plan for how to allocate one's funds.

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The plan is practical and simple and makes sense. Some people are in "legacy" debt or in "splurge" debt. Warren and her daughter explain how to get started from any point in your life. No matter how indebted you are or are not there's a place for you to begin. The book is now 8 years old and does not seem dated to me. It is solid and practical and I am going to try to follow the "plan".

It would be a fantastic gift for any young adult who would be receptive to financial discipline. Sep 24, Jason rated it really liked it Recommends it for: Everyone. I had been reading several personal financial planning book when I discovered this one.

Book Review: All Your Worth by Elizabeth Warren and Amelia Warren Tyagi

I like the Balanced Money formula they use because it is practical meaning that is leaves room for your extra expenditures that are wants more so than needs and it is very do-able. Great stuff all you have to do is get the i I had been reading several personal financial planning book when I discovered this one.

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  • Great stuff all you have to do is get the info and apply it to your life. View 2 comments. Mar 05, Laura Finazzo rated it really liked it. Her progressive politics, her earnest concern for the plight of all Americans, her frustration with policy decisions that routinely reward big finance over honest people, her ability to shut down detractors with facts and heart, her near-obsession with the stories of bankrupt families in an effort to figure out how we can help them… she just makes me swoon.

    The two Warren girls set out strict but clearly outlined and thus, easy to follow rules for the way we should spend our money in order to maximize the value of both our saving and our spending. Money Mustache lifestyle. Plus I think a book like this, one that is so unfaltering in its commitment to helping everyday people, proves yet again why Mrs. Warren would be a wonderful leader of this country if she ever decides to take the Presidential plunge.

    The basic formula set out by our authors is a balance between our Must-Have expenses, our Wants spending, and our Saving, respectively.

    Account Options

    Challenging the way we conceptualize need in 21st century America, Elizabeth and Amelia define items in the Must-Have category as things you cannot cut out, the bills you would still pay without fail if you lost your job or faced a major financial downfall. So no, cable TV, an internet connection, and dinners out do not fall into this category.

    But beyond tightening the circle of need, Warren and Warren Tyagi explain methods to downsize on those Must-Haves that seem fixed in stone. Then come the Wants.

    Trips to the movies, a trip to the local pub, subscriptions to HBO, vacations overseas, birthday and Christmas gifts. Just use cash.

    About the author

    I know, it can be difficult to pay for everything you want with cash due to the proliferation of so many online marketplaces. And true, maybe that credit card company wants to reward you with goodies for a certain level of spending. I used to cringe at the thought a pocket full of twenties despite the eye rolls when I told people I only carried plastic. But reading All Your Worth forced me to challenge my assumptions about this longstanding method of financial transaction. The more I think about it, the more doable it seems. So far, it seems simple as pie.

    The world of investing seems impossibly daunting to me. But the Warren ladies bring the world of investing out into a more accessible light, with overviews of what type of stock options to seek, defining all those acronyms like IRAs, explaining all the means of growing a retirement plan. And once a down payment on a house is out of my pocket, even more of my savings will be invested in the type of investment options that are safe and just plain smart for someone my age.

    Thanks Warren girls! If nothing else, All Your Worth gave me more confidence in myself as a financial powerhouse. I know what to look for when mortgage shopping, something that was previously so scary as to make me reconsider my dream of home-ownership. I know how much money I should keep in the bank and how much to invest. I know how to still enjoy myself without a wracking sense of guilt every time I spend money on me. I know how to have difficult financial conversations with my husband even. All Your Worth lays out an incredibly easy plan for reducing debt and reducing worry, for building wealth and building financial happiness. The book is really more of a kick in the butt, than anything else, reminding us of our personal responsibility in our own financial security but also highlighting the often obscured ways we can exercise that responsibility. May 05, Geof rated it it was amazing Shelves: money.

    Heaven help me, I really enjoyed this book. I don't know if I'd have enjoyed it 10 years ago, but I thought it was valuable now.