Others say...

"Great book for those who want an insightful and easy read on finances!"
This is one of the greatest books I have read regarding finances! I really enjoyed that the author engaged the reader. It's just as the book says: "A CONVERSATION about income, wealth, and the steps in between." You really feel as if you are there talking to the author (not to mention the pushy sales guy: Gary). I really enjoyed the book and it was very helpful and informative for me. I am now saving money, working towards paying off my credit cards, and am working on some investing. This is surely a must have for anyone that wants to start living BEYOND paycheck to paycheck!

"Start your journey with this book !!!!"
If you are like me, the thought of making a financial plan seemed like an overwhelming task and did not know where to start. Michael Rubin's book not only gets you to the starting line, but empowers you to start the journey. For example, have you ever looked at your paycheck wondering where the money went (taxes, healthcare, 401k)? This book breaks that down and allows you to understand and better yet plan for these items. However, the best part is that Michael Rubin writes in a conversational manner that is as witty as it is informative. This non-text-book approach makes learning fast, fun and very easy to understand. I have also found the reference material and companion website also very informative. Do yourself a favor - start with this book!

"A "must-read" for college students"
Certified public accountant and financial planner Michael B. Rubin presents Beyond Paycheck to Paycheck: A Conversation About Income, Wealth, and the Steps in Between, a guide for anyone who lives from paycheck to paycheck but seeks more financial stability in their lives. Chapters cover the difference between being cheap and being fiscally responsible, strategies for paying off one's expensive bad debt, coping with taxes, how to properly use insurance, maximize one's investment performance, basic estate planning, and much more. Written in plain terms for readers of all backgrounds, Beyond Paycheck to Paycheck spells out financial common sense and is a "must-read" for college students and others managing own money for the first time, as well as for anyone seeking to break out of the voraciously desperate paycheck-to-paycheck cycle.

"Valuable Advice"
"Total Candor" lives up to its name: a straightforward discussion of the fundamental financial issues most people face in their lives. Well worth the read!

"I was expecting a lecture or sales pitch ..............but received some wisdom instead"
Beyond Paycheck to Paycheck provided invaluable lessons on basic financial topics that everyone assumes you know, but in reality may not. What's even better, this fun, well-organized, informative book is told from the perspective of someone concerned with helping you help yourself, NOT from someone trying to sell you something -- which had previously been my experience. Mr. Rubin's insights and easy to implement strategies will put financial novices on a much surer financial footing, and will empower them to make the choices necessary to create wealth -- not forcing them to rely on people interested in selling them something. A great read that had me laughing and learning throughout.

 

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  Beyond Paycheck to Paycheck: A Conversation About Income, Wealth, and the Steps in Between (Total Candor)

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What our customer's say!

"Well worth it", Michael Rubin has provided and delivered an effective roadmap to navigate the increasingly complex landscape of personal financial security. Beyond Paycheck to Paycheck disperses uncommonly good sense in an interesting and easily understandable way. Bravo!

"I didn't really learn anything", I'm a 29 y/o -- I point that out because while I did not really take anything away from this book, someone 21/22 years old straight out of college may get a thing or two from it. It covers the basics of saving money, retirement plans, etc...

"Total Money Makeover or Beyond Paycheck to Paycheck? Read this first!", Having read both Dave Ramsey's "Total Money Makeover" and this book, I must highly recommend "Beyond Paycheck to Paycheck" to you.

It covers, in detail, many different aspects of personal finance (insurance, taxes, paychecks and 401(k) considerations, investing, debt, etc.) while maintaining a sense of humor throughout. Although "Total Money Makeover" does get one motivated to get out of debt, it does not supply the thorough education and background, which "Beyond Paycheck to Paycheck" does so well.

If you are looking for a basic/intermediate personal finance education- this is the book to start with. It is very practical and no-nonsense, without angrily clubbing you over the head with words like "stupid" and "idiotic" (as Mr. Ramsey likes to do in "Total Money Makeover"). Also, this book has a useful appendix with helpful websites and a glossary of terms.

A great read! Thank you Mr. Rubin!

"Insightful, Intelligent, Engaging - Thank you Mr. Rubin ", Have questions about money, finances, wealth (or the absence of it!!) This is the book you'll wish you read a long time ago. I went from not even knowing I didn't know, through to moving in an excellent direction in comparatively no time at all (especially considering the years it took me to get as far wrong as I was!!) The Authors use of conversational writing coupled with enough humor to keep us non-financial types interested is nothing short of amazing. This book is not only an easy read but also an excellent gift. Again, THANK YOU Mr. Rubin

"Well Done...", This book has helped clear up all the mystery that seems to surround the world of finance. Finally I completely understand stocks and the stock market. Of all the finance books I've read this one is the keeper.

Other books may be good to spur you on towards saving and investing - this one educates you.

'Beyond Paycheck to Paycheck' is going to be my gift of choice to highschool and college graduates, and maybe even to new parents so they will start saving, even a little bit, for their child's future education.



 
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Read this reviews before You buy...

"Move Over Rich Dad", Wow! This is a great book. It is smart, witty, and very easy to read. Many books out there that address financial independence are based on gimmicks and get rich quick schemes. This book is an empowering step-by-step guide on how to take complete control over one's financial life. The steps are simple and the wealth accumulation is measurable. Michael Rubin has rewritten the recipe for financial freedom, and it is easy to understand. Move over Rich Dad, Poor Dad.

"Lessons To A Life Beyond Paychecks", This is a great read and particularly timely for anyone looking for a long term advantage. The conversational tone of the book makes it a quick read by breaking down topics into easy to understand principles. I gave this book as a gift to a recent college graduate. It's nice having an enjoyable book like this provide lessons I believe in by a trusted third party (rather than hearing it over and over from me!). I recommend buying this book.

"An Entertaining And Recommended Read", I found this book to be very easy to read and yet still understand the complex financial issues we all deal with on a day to day basis. Unlike many boring and dry personal finance books this was much more entertaining and felt like a conversation with a trusted friend. I wish I had this book 15 years ago, it still amazes me that this subject is not covered in high school or even college! I gave my copy to my nephew who just graduated from college and he loved it! A recommended read for anyone interested in learning what to do with their income and build wealth while avoiding some traps along the way.

""A Must Read" for anyone just starting out.....", As a financial advisor I think this book is invaluable for young people starting out or someone who is faced with learning about finances for the first time later in life.

This is very straight forward and easy to understand because the author doesn't attempt to muddy the water with too much information. This should be required reading for all 18 year old children. The book is written with humor and is written with a young person in mind. Our high schools don't have the capacity to teach our children the basics of building a financial foundation for their future.

Michael Rubin does a masterful job of teaching the basics and giving the reader everything they need to know to build a life of financial security!



"Lattes are yummy but 401K's are forever...", A seriously practical education for those people, like me, who somehow earned a college degree but lacked any real knowledge about basic finance. In plain and simple terms, the author talks with you about what you can do TODAY to improve your situation, whatever it may be. You quickly see the benefits of putting even twenty bucks a week away. Waiting to save when you have more money is no longer an option after learning how that waiting is costing you thousands of dollars!! An entertaining read, chock full of easy to understand information and valuable lessons. Great gift, especially for recent college grads!

 
 
 

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