Read Why Didn't They Teach Me This in School?: 99 Personal Money Management Principles to Live by by Cary Siegel Online


Bestselling 5 Star Graduation Gift for both College and High School grads! Recommended by eBay, Forbes, Lifehack, Elite Daily, Real Simple and Bustle. 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 SchoBestselling 5 Star Graduation Gift for both College and High School grads! Recommended by eBay, Forbes, Lifehack, Elite Daily, Real Simple and Bustle. 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, lengthy reads. The 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 read that focuses more on the qualitative side than the quantitative side of personal money management. The 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 reader. Not only an excellent graduation gift for high school and college students but also a great read for any adult! ALSO AVAILABLE IN SPANISH - "POR QUE NO ME ENSENARON ESTO EN LA ESCUELA?"...

Title : Why Didn't They Teach Me This in School?: 99 Personal Money Management Principles to Live by
Author :
Rating :
ISBN : 9781481027564
Format Type : Paperback
Number of Pages : 188 Pages
Status : Available For Download
Last checked : 21 Minutes ago!

Why Didn't They Teach Me This in School?: 99 Personal Money Management Principles to Live by Reviews

  • Rose
    2019-02-12 05:46

    Quick review for a very quick read. Literally, there are 99 tips in this book with relation to personal finance and the author delves into each notation with precise and somewhat helpful advice. I'll admit what made me pick up this book was a combination of different things - the promise of a quick read, the expansion on personal financial management, and the quirky title. (True, there are many people that ask why people aren't taught money management through their schooling, regardless of level.)The book is divided into several sections:1. Life Lesson2. Budgeting and Saving Lesson3. Spending Lesson4. Debt and Credit Card Lesson5. Investing Lesson6. Housing Lesson7. Quick TipsThere were definitely many helpful tips in each section to peruse - I though the "Spending", "Debt and Credit Card," "Investing" and "Quick Tips" were the most helpful and practical, though some state the obvious. (i.e. "Debt is Bad", but the author gives the rationale that this bears repeating because of how many will give advice on how it is helpful to carry debt - which he notes is not true.) It's a quick read, and there are things that are useful to pick up for each topic and section given in the narrative.Yet, I was really bothered by the assumptions and blanket statements made throughout this book, which prompts me to say there are much better, more inclusive narratives on personal finance than this, despite some turns of useful/practical advice. Such assumptions could be found - for example - in the "Life Lesson" section - such directions don't necessarily translate to everyone's lifestyles or practices. (i.e. "Marrying well" isn't an option if there are single people who wish to stay single or live in a lifelong partnership. Also...gender assumptions when it comes to relationships and money - not cool at all.) The "soapbox" comments are one too many, judgmental, and tangential, they detract from the overarching value of the narrative. Overall, I don't regret the quick read, but it's not a narrative I would return to when there are other turns of literature that are more thorough, thoughtful, and informative.Overall score: 2/5 stars.

  • Shanu
    2019-02-15 00:37

    basic but straight to the point and very practical. Has a lots of "tips" that are, i have to say it, common sense but it's good to hear them again once in a while - especially if you're trying to get out of debt. That's not my case. But i'm no better : i'm a broke student. While most of my highschool friends are getting a job and going on vacations, while most of my classmates are financially fully looked after by their parents, i have to be really cautious with my expenses so that they fit in my budget, put every single dollar to work and save whatever i can. When i talk with my peers, i look stingy because i don't have the same lifestyle as them, i feel frustrated also... so when i read this type of books, it gives me a reminder that i'm doing the right thing and that i'm being financially responsible. I know that i can't afford to waste money and i refuse to take a loan to live a lifestyle that i can't pay for in cash. Anyway, back to the book, there was lot of tips specific to the US (the whole investment part, the one about credit cards,...) and some i know i won't use for a very long time (home investment, car payments,...) but it's good to have heard them at least once now, it'll be useful later. It felt a bit redundant on some part : the ones about saving, and the ones about not buying random/expensive stuff. I was particularly bored when reading the part about shopping carefully because i never buy on impulse and i very seldom buy high tickets items. Mostly, i loved tip 13 : develop a written budget and evaluate it every month. I used to do it when i first moved to uni, but then got lazy. I had a negative balance earlier this year so I created a new excel sheet (it gave me headaches, cold sweats and took me a week end) but it was worth it. By making minor changes in my habits, i was back within budget and increased my savings.One tip i never heard anywhere before was the : "live an emergency month every january" where you act as if you have no income, leading to review your priorities. I don't think i'll ever do something like that (mostly because every month is an emergency month for me...) but that's interesting to see what other people do to stay on track. My top 5 money management habits : -pay everything in cash or debit. (i'm surprised anything else is even allowed in foreign countries)-make your budget sheet and check it either bi weekly or monthly (it's hard at first, but then it takes you only a couple of minutes each month to know your financial health).-shopping isn't a hobby. don't buy stuff to make you feel better. don't buy stuff because you're bored. don't fall for marketing strategies. "deals and bargains" are never in your favor. -save up. i do 2 types of saving : "long term/emergency" that i keep for later but would spend if there's a sudden, unexpected major problem (health, car, family,...) and "short term/personal use" that i have something in mind for (next vacation, new laptop, car check up,...)-learn about finance on a micro and a macro level. teach yourself, don't be the puppet of anyone. be knowledgeable, be responsible.

  • Dogdaysinaz
    2019-02-04 07:56

    2.5 stars. This isn't a *terrible* book but there is better to be found. My BF bought this with a copy of Adulting, based on Amazon recommendations, as a gift for someone we know. I decided to read both before giving them. I definitely recommend Adulting, but not so much this book.There is good information and it is an easy read. However, the author has strong biases that come through right from the beginning. The book literally starts out with tips about getting married and having kids. That is not everyone's path...I'll admit, I wrote in this book before giving it to the intended recipient. I just could not leave some of the tips without comment. For example, "have a maximum of only one credit card." As often as my main card has been replaced for possible fraud, this would leave me without a credit card for two weeks at a time. Then he says just use a debit card. Um, they don't have the same protections as a credit card, and a decent credit card will have some rewards that debit cards don't have.He also has a bias against financial advisors, thinks they are all investment managers, and that even though most are not crooks, they aren't worthwhile since a few have been. That's like saying it's not worth hiring a personal trainer because that one guy didn't work...There are several more examples of less importance, but I don't think this is a great companion to the Adulting book since that author is writing for a young audience and she herself is young and more careful to say when things might not apply, and this author makes himself sound like he's yelling "get off my lawn" every day.

  • Abhijeet Jain
    2019-01-31 01:59

    I was expecting some really amazing info in this book but there wasn't anything which I didn't know before. Maybe because this book was written while keeping American's spending habit in mind. For someone like me, who's an Indian, the tips mentioned in the book are what we are brought up with.

  • Abdellah Hichem Hamzaoui
    2019-02-10 00:50

    amazing book talk about money and how to manage it and other hacks to bypass debt situation and a lot of advice to warn you about sequences of the credit card and and how to save hundreds of dollars by simple tips and his private strategy over all his years of experience in managing his own money all that in just one little book you can finish it in one or two sessions i really love the book it teach me a lot and tech what my parents didn't teach me i think everyone need this book :) thanks for reading

  • Renato
    2019-02-13 02:47

    I read this book a couple of months ago and I found it again in one of my folders. Let me start with the good parts of this book.The structure is great, because you can just go to the table of contents and jump into one of the tips right away. Thus, reading this book is freaking easy.As a result, it will take maximum 3-4 days to finish it.Now, the fucking bad parts of this book.It is awful!I expected more from the title and the table of contents.Instead I started reading a book with many "duhhh" moments!The opening is really bad! The author assumes that we are getting married since chapter 1.Like WTF, wait a second. Why do you have to dive that deep? I just started reading this book!Most of the people that would read this book, I assume are college students, because of the title!BUT NO! YOU ARE GETTING MARRIED, THUS GET A NICE NO EXPENSES WIFE!The principles are fucking small. Take a look at principle 83, literally 4 lines! YES, 4!I found myself skimming a lot of material, which I hate doing, but I just could not help myself!Really bad book. 2 stars only because I liked 4-5 principles.

  • Neelam Babul
    2019-02-07 02:57

    This book helped me understand simple financial concepts that I struggled to understand for years. It is a great reference point for various age groups who wish to develop and intensify their understanding of personal finance. It definitely helped me realize the errors I kept making over time which impacted my budget negatively or prevented my financial growth. The principles presented in the book are simple and easy to apply in our daily lives. What impressed me the most was the absence of financial jargon or difficult to comprehend concepts which are presented in other financial books which bring more confusion rather than clarity.It has changed my perspective from someone who felt unable to control my finances to someone who is actively taking charge and growing financially. Of course this is not a book to be read just once but rather a book which needs to be read over and over again so you can constantly keep on reminding yourself of the principles and understand the overall concept of personal finance.

  • Megan
    2019-01-31 02:40

    Bought as a gift but skimmed it before wrapping it up to make sure the content was what I felt the recipient would be looking for. It's straightforward, some common sense advice, some not-so-common... overall a good intro to personal finance for any recent graduate, or even just anyone who has never given much thought to their personal finance strategy and goals. After this, read The Millionaire Next Door and hit up the Mr Money Moustache blog to go deeper, especially if you're particularly interested in financial independence.

  • William Ng
    2019-01-22 03:42

    Good book for beginnersThis book is written for the young adults, those that are working their first job or those that haven't quite learned it when they should have. Most are no brainers, but even for a a self describes hardcore saver lake me, I found some good tips and new information within the book that I can add to my financial knowledge. Another great thing is that it is direct, there is no extra pages and to add the effort and time of the reader, to explain each principle. For the time required to read and the cost, a good book.

  • Mike Hansen
    2019-01-20 05:35

    Great AdviceI am a big Dave Ramsey fan. This book is the perfect supplement to his book. After you’ve made it through the first few big baby steps of Dave’s book you need some day to day, year to year guidance. This book provides that. It gives you the everyday principles to live by. I’m a firm believer that personal finance is a lifetime journey, not a destination. You will still need to learn and grow after the goal line (retirement). Worth a read and worth keeping around as a reference for future decisions and guidance.

  • Dan Bolster
    2019-02-11 06:00

    I like this book. It was not really something you had to read from beginning to end but you could choose which chapters appealed to you. I wouldn't consider a money bible but any means but it definitely was appealing in that it taught you stuff you just didn't learn in your childhood at home and in school.

  • Brett Leatherman
    2019-02-19 07:46

    Solid adviceCary gives a lot of really good tips for managing your money that I wish someone had given me before I went to college. It would have saved me a lot of money and stress! I would recommend this as a gift for any young adults in your life who are getting ready to strike out on their own.

  • Deanna
    2019-02-13 00:55

    I found this book incredibly helpful. When my dad passed, he took all the financial management insight with him. While he imparted some, this book filled the gaps and answered questions I have not been able to ask in many years.

  • Jenny Yan Zheng
    2019-02-04 00:35

    Another readFast and enjoyable teaching me how to be financially smart and efficient. Why didn't they teach me this in school ?

  • Donna Kronenberg
    2019-02-06 03:00

    Quick & insightfulI got a lot of this book. It was direct with practical suggestions. I'm definitely recommending this book to my kids once they are teenagers.

  • Linshu Wang
    2019-02-08 00:46

    A small but classic book about money.

  • Natalie Clark
    2019-01-28 06:46

    Very basic, not for adults.

  • Solomiya Zahray
    2019-02-01 03:02

    very easy read. it's not like you don't know it all but it's better to repeat and actually keep doing it. or start doing it to succeed financially

  • Dylan
    2019-02-02 04:00

    Great stuff, the title says it all.

  • Susanb
    2019-01-19 04:36

    For teenagersPerfect for teenagers. Way too simple for the rest of us. Good advice for everyone in the last two chapters.

  • Collette
    2019-01-22 01:37

    Great tips written in short and concise segments that were easy to read and understand. It gave good and basic advice across many areas of financial health.

  • Daniel Wagner
    2019-01-27 02:50

    Fairly good tips for getting your finances going in the write direction. All of the tips are easy to understand and reference.

  • David Northridge
    2019-02-01 06:58

    Very simple and easy to read book with lots of good advice that is easy to implement. It is written in such a way that if you already know a lot about finances you can easily read through it and pick out what is new.

  • Tony Perez
    2019-01-29 04:00

    Lots of practical tips, tricks, and advice to help you live a financially responsible and stress-free life. A lot of it is basic common sense, but it helps to demystify the general principles of personal finance written out and described in a tangible way that is easy to implement. It's a quick, easy read that I would recommend to anyone looking for a simple guide.

  • Sim Campbell
    2019-02-08 01:49

    This book is a solid introduction to healthy personal finance. The tips are easily digestible and easy to take action on immediately. I like his general train of thought in terms of proper money management but I absolutely despised the parts where he talked about being frugal. For me, penny-pinching frugality isn't part of my financial worldview. Too much "input" for too little "output". I DEFINITELY agree with saving money but I don't clipping coupons is the best way to get there. Also, one thing that irked me was when he said to not buy books and instead get them from the library but get his book for reference. I assume he was joking, but come on...Some great nuggets of wisdom from the book include buying non-branded products that work just as well, investing in a retirement account, and "frontloading" expenses to reduce interest rates in the future. A lot of it is simple common sense, but as the saying goes...common sense is a rare commodity (that IS the saying, right?). Overall, this was nothing earth-shattering to ME, but for many others this is an excellent introduction. I will definitely go back and re-read this at times to refresh myself on the fundamentals.Would definitely give to a college graduate who doesn't know up from down when it comes to personal finance.

  • Jayqan Murphy
    2019-02-01 02:00

    I thought that this book was very good because he really taught me how to mange my money in a good way. I started to realize that i need to start saving from early so when i am older I will have the money i need. There is this one section in the book when it talks about an emergency month that on this specif money they decide not to spend money on unnecessary things. Such as including fast foods when you can simply just bring food from home. Moreover, buying things like luxury items that you can live without it. Also, it puts your mind in the right mind-set so that when you are an adult you will have the good things that you need. Therefore, this makes this book a great book for people that don't really know how to save money and take themselves out of debt.Additionally, This book makes you think about if your in debt or not or how well is your credit. This book will help because it gives you the benefits and drawbacks of having a credit card. This would teach you the in and outs of having a good credit score if you dont want bad credit. This book make you think about yourself and if you are good money-wise.

  • Brittany
    2019-01-25 02:36

    I received this as a high school graduation gift. I agree that the author could have gone into more detail but I also like the simple organization of the book. It was easy to stay engaged and it was easy to understand even though I am not familiar with a few of the topics covered yet. It made me motivated and almost excited to start creating a budget. With college approaching and student debt, I knew I needed to make some sort of budget soon but had no idea really how to start. The budgeting guidelines offered in this text will definitely be utilized when I create my own. Other than the ambiguity in some areas, the only real "complaint" I have is the author's diction at some points. For example, he uses the term "my caveat" a lot and could have found synonymous ones so it wouldn't be so repetitive. Overall this book is a handy resource to have especially if you are a teenager or young adult, and I will use it for future reference.

  • Jen
    2019-01-23 01:54

    As another reviewer stated, this could have been great. The outline from the table of contents was promising, but each "chapter" is only a page or a few pages long with huge type font, which leaves the topics barely covered. This definitely needed more flushing out. I would recommend skimming a library copy, but not purchasing. Also slightly irritating, one piece of advice is to get books from the library in order to save money but "don't get this book from the library. You will want to save it for reference later!" (pg. 164) I think Suzie Orman's book for the "Young Fabulous and Broke" would be a much better purchase.

  • Elizabeth Perez
    2019-01-31 00:43

    I really wish goodreads would do half or quarter stars I would say this book is a 4.25-4.5 stars.I highly recommend this to teens, although I sure know a few adults that could get something out of it. I loved how this author put everything so simply and not in the 'you can only do it this way'. I don't agree with him on everything but I do with most. He could have elaborated at points but I think since this is something every teen should read it is a perfect length, and a good conversation started.One of the best parts is how simply he explains how much you actually pay for things when you buy them on credit, and the importance of a similar minded partner.

  • Brian
    2019-01-26 06:57

    Could have been great if it went into more detail. Aimed at young people (highschool/college) with absolutely no knowledge about money management. It's full of very common advice, which isn't a detraction, since it's still helpful to have a compilation of solid advice. However he gives very little detail about how to actually accomplish a lot of the things he's advising. Overall it's an okay book to get some ideas from, but you'll have to do more research on your own afterwards. Not much of a time investment, only took an hour or so to read through.