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Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

4.0 of 5 stars 4.00  ·  rating details  ·  1,618 ratings  ·  211 reviews
With hundreds of thousands copies in print around the world, Smart Women Finish Rich, by renowned financial advisor David Bach, has shown women of all ages and backgrounds how to take control of their financial future and finish rich. Whether you’re working with a few dollars a week or a significant inheritance, Bach’s nine-step program gives you tools for spending wisely, ...more
Paperback, (Revised Edition), 328 pages
Published January 8th 2002 by Crown Business (first published December 29th 1998)
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Just in the way of explanation. This was the first book David Bach wrote b/c it was his grandmother who taught him about personal finances and in his financial advisor business he was tired of seeing women not knowing anything about money after a divorce. I bought it for a few women in my famiy and friend circle, but I never give a book to someone without reading it first. Now you now why I read a book entitle Smart Women Finish Rich =) It is a great read regardless of your sex.
While this is a decent guide to budgeting, saving, and investing, the c. 2000 edition felt very dated. (See, for instance, the chapter praising the man making a 50% return on his dot com stock portfolio, and criticizing the woman whose portfolio was balanced and made "only" 11% annually. I wonder who still had retirement savings in 2001.)

I would probably recommend this title to women with established money management problems, or more mature women. If you're young, just landed your first job, an
Azadeh sharifi
واقعا کتاب خوبی بود... برای بزرگ شدن و درک دنیای پول
بدون این که امید احمقانه بدهد یا به خیال بافی ام بکشاند
بهم نشان داد چرا همیشه در حال ورشکستگی ام
ولخرجی هایم را نشانم داد و باعث شد خیلی خجالت بکشم
کاش بشود اینها را در مدرسه یاد داد
تشکر خاص از مترجم خوب کتاب فرخ بافنده که دلسوزانه همه منابع را ایرانیزه کرده بود
و آقا کچله کتابفروشی جیحون
Self help books are not my "thing" but this one I really liked for two reasons. First, it was a step by step instruction on what to do and how to do it to get your financial life in order. The beginning step is to buy folders. Then the author tells you how to label them and what to put in them. Seriously. This is the sort of guidance I need. Maybe most people know what they have but when you have a family, house, job and so on things get away from you and it is hard to get a handle on where all ...more
Pretty elementary - should be read in high school. Don't pay for his books. Adults - Just read the chapters you need in the library standing in front of the shelf. (It is that fast.) Kids - Read his books and do what they say. I felt this was pretty remedial and outdated.
A good reminder to not spend everything you make! Some good tips on how to save and invest money to maximize returns and basically how to keep your financial house in order. Giving up a latte a day can make a huge difference in your savings account over 20 years.
Like most finance books, this one became rapidly dated (savings accounts at 4%? Ahahahaha) but it's still good on general financial literacy. And I do endorse his project here of speaking specifically to women and women's financial concerns – make less, live longer, get screwed in the divorce. I just wish he hadn't accompanied that agenda with a lot of gender bullshit about how women and men are fundamentally different in how they invest and women have more patience, everybody, it just comes pre ...more
So this is absolutely not a book I would normally read - in fact, just looking at the title makes me feel greedy (and more than a little cheesy). But after reading a book on home buying that mentioned Bach's book, I thought I would pick it up. It never hurts to do a periodic financial check-in, and getting a book specifically geared towards women turned out to be smart. If you can get past some of the silly jargon (Bach has "9 Steps to Achieving Financial Security," and he *trademarked* the phra ...more
These are challenging economic times and what's a single gal to do? Hide her head in the sand like an ostrich and wait for a better tomorrow? Hells, no! This is a great book for anyone (boys and girls) who want to get their financial house in order. The author provides pretty basic information on how to save and how to invest ... how to make your little cash dollars work for you like in that ING commercial where they are doing little sit-ups and jumping rope. This book is probably not for those ...more
This book changed my life. For some of you who are more financially aware it might not have such a dramatic effect but for me, a 30 year old with no retirement started and paltry savings, it was a god-send. The most valuable thing for me was that it helped me set some financial goals and it got me interested in attaining them. Thoughout the book he speaks to those people who may earn tiny salaries - such as us ladies in non-profits - and gives you confidence that you can achieve your goals too, ...more
One of the best financial books out there--plus, it's aimed specifically toward women. David Bach's tone is friendly and it never feels like the writing is "speaking down" to you... no complicated financial jargon, just straightforward honesty. Simple truths like how being rich doesn't happen if you make more money--at any income level, it's about how much of that money you keep. Plus, for those who say they can't save because they live paycheck-to-paycheck, he shares the "Latté Factor"... the b ...more
This was an impromptu purchase at a used book store; I was reading the 1999 version. In spite of the cheesy title, it was a legitimately informative and easy to read/understand book about financial planning. The Wall Street books I've read tend to be more theory, whereas this is more the execution side of financial planning. Although most of the information in this book is not necessarily applicable only to women, the author (who is a financial planner) did cite a few instances where women must ...more
Chiao-yu Tuan
This book is a good introduction to personal finance. It spends a lot of time explaining why you should take actions and how to think about money, especially value based financing. It got me interested in taking actions and learning more. It's also an easy read and accessible to general audience. Some of his advice also applies to career and life decision makings. The biggest down side to it is how outdated it is. This edition is published in 2002 and uses statistics (like interest and return ra ...more
Changed my perspective on how I looked at money when I first read this 15 years ago! Enjoyed picking it up and re-reading the highlighted parts recently.
Би ер нь зөвлөгөөтэй ном унших тун дургүй, хүн болгон зөвлөх дуртай...тэгээд зөвхөн нэг талаас хараад өөрийнхөөрөө "бурах" дуртай гэсэн үзэл аль хэзээд ч юм толгойд суугдсанаас үүдэлтэй болов уу. /Дейл Карнегийн номоос бусдыг хэрэггүй хоосон хийрхэл гэж боддог байснаа нуух юун/
Уншаад үзлээ, өөрийгөө их гайхлаа, энэ олон сайхан зүйлсүүдийн хаагуур өнгөрөөд байсан юм болоо гэж хүртэл өөрийгөө их шүүмжилсэн гэх үү дээ, амьдралдаа авч хэрэгжүүлмээр зүйлсүүд зөндөөгийн дээр ширээний ном, амьдралдаа м
I started reading Smart Couples Finish Rich first, but after the first couple chapters, I thought it would be better to get Justin to read it with me, so I'm putting it on hold for now and decided to see what's in Smart Women Finish Rich.

This book has a lot of the same obvious advice about saving and making your money work harder for you, but what I liked most about this book was all the information it has on different types of insurances (life, disability, etc.) as well as good information on
I'd encourage anyone reading this to be wary of any book that offers financial advice that was written more than a decade ago. If Bach has updated this book, I wasn't fortunate to stumble across a copy. The one I read was published in 1998 (a quick search reveals a revised edition from 2001 but nothing else). While his advise is largely sound, the details are not and since the economic downturn a LOT of his financial advice is out of date. Interest rates, for one very easy example, are nothing l ...more
Meghan Carr
Ladies, listen up! This book is a must read at any age so you can learn to take control of your financial future instead of relying on a man to take care of you. It is such a good, easy read and an excellent kick in the ass.

Did you know that on average women like 20% longer than men? Therefore we should be saving more money each month than men since we will need more once we hit retirement.

This book is full of easy to understand steps, facts and tips for taking control of your financial future
I liked the general recommendations in this book that can be followed by any person in the world such as saving ideas, investment options, types of health insurance and so on.
However, the general nature of the book is "Americanized" since the author talks elaborately about the financial situation and circumstances of USA, such as Taxes system, Mortgages, IRA, and so on. So I would say that it is NOT a culturally friendly book at all. The book doesn't take into account other financial systems su
Cheesy cover alert! Okay, while this series (there’s also a Smart Couples Finish Rich and Start Late Finish Rich, etc.) is a bit too gimmicky for my usual taste, I swear by some of the basics of organizing your finances that I got out of this book -- in particular, the filing system for financial records. The author also makes a point of insisting that you get clear on your personal values before setting your financial goals, and I agree with him that unless you know what's motivating your quest ...more
Even though the title is "Smart Women Finish Rich" this book really could apply for anyone! Even though some of the rates and economic issues he refers to are dated (I think the book was last updated in 2002?) the basic principals and most everything he talks about still apply.

This book manages to cover a wide variety of topics - everything from savings, having money in the future, life insurance, to preparing documents for your loved ones in case of emergency/death - and leaves you feeling real
I like this book a lot in terms of goal setting and taking charge of your financial dreams and future. I do find him condescending at times and most all of his example "success stories" are hard to relate to because he mostly uses extreme cases to illustrate his points. While the principles can be used for households as well, he's mainly targeting single women who work and two income families. Some things are hard to relate to in that sense. But as I said before the aspects of the book in terms ...more
Feb 28, 2008 Rachel rated it 4 of 5 stars
Recommends it for: Anyone would needs to organize finances
I like to read financial book every now and then. Most of them are basic advice or theories of financial paths. Bach, in spite of his get rich sounding titles is plain conservative stuff we should all have already done but never get around to. The thing I love about his books is his inclusion of many of the details that prevent us from accomplishing them. He gives an order to do things. A checklist to make sure you do them. Websites and phone numbers to make that call to set up your roth etc. Ho ...more
At first I gave it two stars, because parts were so boring and it took me forever to get through. But after reaching the last chapter I changed it to five starts because I realized it uses a very holistic approach and is not just about accumulating as much money as you can, but rather prioritizing your life in order to be able to do everything you want -- Including having the social impact you want, having enough time to give to your family, friends, and causes you care about -- And he emphasize ...more
Amanda Fashbaugh
Jan 07, 2008 Amanda Fashbaugh rated it 5 of 5 stars
Recommends it for: anyone (male or female) who needs to make a change in the way they view their finances
A book that makes finances less dreary! A book that makes me feel like I, too, can have a million dollars someday! A book that inspires me to get my fiscal life in order, and finally get those pesky life and disability insurance policies checked out. I read it after I read the Automatic Millionaire, and much of the information was the same, but this was a lot more detailed. He actually recommends bonds, mutual funds and specific roadmaps for financial successes. Yet it still kept me reading thro ...more
I felt the book was a good instruction manual but sometimes it was too much information.
Despite its title, this is not a get rich quick scheme. :) It's an excellent tool to help you get your financial house in order, and a very thorough discussion of all sorts of insurance and investments that helps you prepare today for retirement far in the future. To summarize the author's message: slow and steady wins the race (begin investing and purchase your insurance now to prepare for your future. I don't love this topic, but the book is surprisingly readable, and I plan to review the info ...more
susie Marie
so you probably know most of the stuff in here, but the motivating reminder to get your finances in gear so you don't become one of those people who is borrowing or bitching about money all the time makes this worthwhile.

good for men too. i think the author wrote a book that probably says the same things for both sexes called 'how to be a millionaire' or something like that.

my favorite part is he tells you to pay yourself first and view your purchases in terms of your time. is that $200 object
It took me a while to finish this book, not from a lack of interest, I've just been preoccupied. This book is a great primer on the world of finance. I consider myself to be fairly ignorant on the subject - of course it's what my sister does for a living (she gave me the book as a gift) - and this really helped to explain things to me in a way that I could understand them. It also provides easy steps you can take to help secure your financial future. I would definitely recommend it to all my gal ...more
Aug 13, 2008 Margie rated it 5 of 5 stars
Recommends it for: Women who want to be smart about their future
Recommended to Margie by: SFC Shelley Woodhouse
I started putting the principles of this book into practice and was able to go from credit debt to debt free with money in the bank and ready to invest. Since I got married late in life, I was planning on taking care of my own finances. With the help of this book I was well on my way. Now I know that my husband's favorite saying is true, "It's not what you make, it's what you do with what you make." The driving principle of smart finance is to pay yourself first. This is a MUST READ for anyone w ...more
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