Product Description

Over 3 Million Copies Sold

A Personal Finance Classic that Changed Forever How We Think, Feel, and Act about Money


Ten years ago, Suze Orman, America’s most celebrated finance expert, transformed the way we all view personal finance with her groundbreaking The 9 Steps to Financial Freedom. This New York Times bestselling blockbuster broke from the ranks of traditional money management books by looking at finances from an entirely new perspective, advising people to approach money from an emotional standpoint in order to achieve their financial dreams. By emphasizing the psychological and spiritual power money has in our lives, while still including information on all aspects of our financial daily activities, Orman has helped millions break through the barriers that hold them back. She is now our country’s leading personal finance expert, and here is the book that started it all.

Orman is back in a brand-new, fully updated edition to The 9 Steps to Financial Freedom, her personal finance classic that offers thoughtful, easy-to-follow steps toward a life of financial freedom. Here is the most up-to-the-minute information on a wide range of financial topics that plague us today: credit card debt, bankruptcy, paying for education, wills versus trusts, the best retirement account, life insurance, and more. Combining real-life recommendations with Suze’s own brand of inspiration and motivation, this is the only guide you’ll need to provide for yourself and your family.

As Orman shows, managing money is so much more than a matter of balancing your checkbook or picking the right investments. It’s about redefining financial freedom and realizing that you are worth far more than your money. Let America’s leading personal finance expert show you how.

Product Details

• Amazon Sales Rank: #26680 in Books
• Published on: 2006-08-15
• Released on: 2006-08-15
• Original language: English
• Number of items: 1
• Binding: Paperback
• 352 pages

Features

• ISBN13: 9780307345844
• Condition: NEW
• Notes: Brand New from Publisher. No Remainder Mark.
• Click here to view our Condition Guide and Shipping Prices

Amazon.com Review
When Suze Orman was 13 she watched her father dive into the flames of his burning take-out chicken shack in order to rescue his cash register. In that moment Orman learned that money was more important than life itself. And so it became her quest to be rich. But years later, when Orman became a wealthy broker with a huge investment firm, she was profoundly unhappy. What went wrong? She had not yet achieved financial freedom. In her nine-step program, Orman covers the ingredients to financial success--confronting our beliefs and fears, learning the nuts and bolts (and insiders secrets!) of savvy management, and finding the spiritual trust that leads to abundance.

From Library Journal
Orman is the head of her own financial-planning firm, a certified retirement specialist, and a best-selling author (You've Earned It, Don't Lose It, LJ 1/95). In her latest work, she analyzes the psychological and spiritual factors involved in how we perceive money. Her definition of financial freedom is "when you have power over your fears and anxieties instead of the other way around." Through case studies, Orman illustrates the psychological importance of money and its effect on our lives. She offers practical guidelines for investing, preparing a budget, purchasing a home, getting out of debt, and writing a will. A helpful financial worksheet is included. Orman's insightful guide is highly recommended to public libraries.?Lucy T. Heckman, St. John's Univ. Lib., Jamaica, N.Y.
Copyright 1997 Reed Business Information, Inc.

From the Inside Flap
3 CDs / 3 hours
NOW AVAILABLE ON CD!
Read by the Author, Suze Orman

Now, the national #1 bestseller is available on Compact Disc!


From the nuts and bolts of managing money to the deep psychological and even spiritual meaning it has in our lives, this personal finance audiobook shows everyone, even complete novices, how to take control of their money.

Suze Orman is a certified financial planner, a retirement specialist and registered investment advisor.

Orman begins with the insight that managing money is fare more than a matter of picking the right investments of getting out of credit card debt.

To get control of our finances, we must first get control of the feelings about money that arise from our earliest experiences with it.

Next comes Orman's clear, easy-to-follow advice about the practical importance of understanding and utilizing investments, retirement plans, insurance, and credit.  

Finally, Orman reveals why true financial freedom lies not in amassing wealth, but in realizing that we are worth fare more than our money.

Customer Reviews

How to make yourself financially free
The book sets the premise that you never learn to deal with money successfully until you overcome your fear of money...of not having enough, and fear of taking action with your money. It's about how to make money work for you so you have more than enough because you learn to devote energy, time, and understanding, to money. The three ways of getting money in this world: (1) Work for it (2) inherit it (3) invest the money you save (the most powerful, respectful way to get money there is).

Here are the 9 steps to financial freedom: 1. Step back in time to see how your feelings about money can be traced to your past. We all have "money messages" passed down from generation to generation. 2. Face your money fears and create new, positive truths. 3. Be honest with yourself. Ouit using plastic cards for money. They are addictive and destructive as drugs, giving you a quick fix by satisfying temporary desires. 4. Be responsible to those you love. Establish life insurance, wills, power of attorney, estate planning, etc. 5. Be respectful of yourself and your money. If you do what needs to be done with money, you will attract money to you. 6. You and your money must keep good company. Credit cards are never good company. Get out of debt. Respect yourself and your money by making every penny work for you. 7. Trust yourself more than you trust others. Find the "little voice" inside you; listen to what it has to say. 8. Be open to receive all you are meant to receive. When you are in control of your money and have enough to be generous, money flows to you. 9. Understand the ebb and flow of the money cycle. Money has natural cycles as it ebbs and flows through your life.

If you choose to entrust your money to someone else, and you really don't know how money works, unscrupulous people can take advantage of you. Further, you discover the thrill that comes from wanting to deal with your money instead of just having to deal with it. Get in touch with your money; delight in spending it as you did as a child, but enjoy choosing not to spend it too; take pleasure in putting some away for later.

Most of us need to spend our money differently. Not drastic action like getting by with one car. Unrealistic budget cuts, like diets, never work. Rather, decide to spend $25 to $30 less per month from fifteen or twenty of your spending categories; with each decision you make to spend less, you are gaining power over your money, and you will find creative ways to reduce your spending so you hardly notice. Rather than being dictated by a restriction, your actions are guided by the choices you make. This is the hardest step to financial freedom; you become honest with yourself about how you really stand.

Spend less by putting your money away before you see it. Pay yourself. It's not what you make, but what you keep. Time plays an essential role in building future wealth because the longer you contribute, the more you'll have and with time, the contributions you have already made, do more work for you. The thing that makes time so powerful is compounding.

Money flows through our lives like water...plentiful at times...a trickle other times. These transitions are exciting or scary, but are all part of the natural cycles of money. There are two important reactions to these cycles: (1) You must take the long view of your financial future (2) you must believe that what happens is positive and let it be. The important thing is to understand the nature of money and take the right steps to make it work for you. Recognize true wealth. People can not be measured by their net worth. Money does not make you financially free; only you can make yourself financially free.

This Book Will Change The Way Most People Feel About Money.
Suze Orman is teaching a philosophy about personal finance. I like the fact that Orman recommends that you "trust yourself" and "take control". Too many people put their financial affairs in the wrong hands; brokers, insurance agents, bankers, financial planners, accountants etc. The fact is that no one will watch your money better than you will. I also highly recommend "The Millionaire Next Door", "More Wealth Without Risk" and "Financial Self Defense". MWWR and FSD will provide the formula's and techniques not present in "9 Steps to Financial Freedom" All of these books should be in the library of anyone serious about achieving Financial Freedom.

Practical, useful, multidimensional, immediate use
Just finished reading this...and then immediately went into work and changed my 401(k) contribution to the maximum. Also am looking for a money market account and will begin managing my own IRA stuff...now that I feel more comfortable doing it. Plan to lend the book to friends, and called my parents to tell them to get a copy and start getting things in order...such as getting a trust instead of a will, getting LTC insurance, etc. I liked her straightforward writing style; she has a knack for explaining the "mysterious" world of investing and finance in a way you can quickly and easily understand. She makes you feel more confident...that you can indeed manage your money. In today's often confusing world, it was very helpful to hear that you can trust your intuition and you don't have to "fall prey" to financial advisors. Also, from personal experience, I know that her advice about "good brings good" and "respect of money will bring you more money" is true. My husband got in a serious accident a year ago and at the time we were in a bad bad financial position--no emergency funds, high credit card debt, prospects of little or no income. This "kick in the pants" helped me to take control of my money and now a year later our credit cards are paid off, we have 4 months of bills in the bank, and I am maxing out my 401(k). Suze Orman's book came to me just when I was ready for the next step, and I am putting it to good use. I highly recommend!!!