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On My Own Two Feet: A Modern Girl's Guide to Personal Finance
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On My Own Two Feet: A Modern Girl's Guide to Personal Finance

3.96  ·  Rating Details ·  471 Ratings  ·  97 Reviews
Sure, most young women would love to live a carefree lifestyle filled with lunches, Louis Vuitton and lattes, but what many don't know is that doing so can lead to a serious financial breakdown down the road. "On My Own Two Feet" teaches young women what they need to know about savings in language that matters and makes sense to them. Financial planners Manisha Thakor and ...more
Paperback, 183 pages
Published May 1st 2007 by Adams Business
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Katie Christian
Jul 05, 2015 Katie Christian rated it it was amazing
Despite the cheesy name and cover, this book has good, straightforward financial tips and lots of tables to help you see how much actual money you should be putting toward retirement, emergency savings, etc. Good tips about how to save for money you plan to spend in the next five years (savings account/money market account/CD) vs. money for retirement, and a financial action plan. A quick read because they get straight to the point.

The "modern girl" slant is just a brief interlude about not rel
Nov 07, 2013 L rated it it was amazing
Shelves: best-of-2013
I found this book engaging enough that I read most of it in one night. And that is saying something, considering that it's a how-to book on finances. Everything is laid out in simple terms with great financial advice in a concise read which is utterly painless and dare I even say enjoyable?

It itemizes everything from budgets, the downfalls of credit cards, to stocks, bonds and IRAs neatly. It's the one book I'll never let go, and plan to do future rereadings whenever I run into some fine print
Oct 24, 2014 Kathy rated it it was amazing
Absolutely fantastic book. I have never in my life understood finances/money. It was a language I did not speak. After reading this book, I totally GET IT. I have no idea how Manisha Thakor managed to make such complicated information so easy to understand, but this seriously is the best book I've read on the subject. Lightbulbs going off all over the place. I only wish I had read it 25 years ago, and I kind of want to buy a copy for every woman I know!
Mar 03, 2017 Cat rated it it was amazing  ·  review of another edition
Seriously everyone I know should read this because now I feel like I understand way more about personal finance and it WASN'T EVEN BORING. Excuse me while I go save for retirement.
Aug 20, 2010 Torie rated it really liked it
I think that every woman should read this book. It's not even just for women; the author addresses the audience as though she is speaking only to women, but the tips and knowledge given are for both men and women, single or in a relationship. I was able to create a starting financial plan to get my family on the right track to saving and making our money work for us. If anything, read this book to understand the differences between IRAs, money market funds, savings account types, etc. It will re ...more
Jun 07, 2007 Jessi rated it it was amazing
Recommends it for: anyone who wants basic financial knowledge
This book is a MUST read!!!! the financial world is like an algebraic equation gone rabidly mad. I thought it was GREAT that i wasn't in any debt whatsoever, have paid off all my loans, and do not have many credit cards (why should a portion of my paycheck go to pay off interest rates to some institution that doesn't give a crap about me?!). I thought it was great until i went to go buy a house, and they said "you don't have enough credit history." Nevermind the absurd amount of rent i've spent ...more
Suzanne Van Horn
Jun 03, 2015 Suzanne Van Horn rated it it was amazing
Shelves: personal-finance
I think this might be the last personal finance book I read. They were starting to get repetitive. That said, I'm glad I read this one last because it's the best one yet. I got it from the library but might buy a copy just so I can have access to the appendix. This is the first book I have read that uses actual numbers. What I mean by that is instead of stating that the average starting salary is 41k and building a model budget off of that or just telling everyone to spend a certain percentage o ...more
Aug 17, 2016 Ally rated it liked it
This book does a good job of handing on the basic building blocks of personal finance in an engaging, readable way.

However, it's best suited to an American audience - there are specifics that will differ based on the context of your country, especially when it comes to retirement savings and taxation. As a Canadian, I'm definitely not the target market for this book.

I also found it interesting that the authors only advocate for saving 15% of your income, rather than the standard 50/30/20 put fo
Jan 05, 2013 Airy rated it really liked it
I'm surprised that, throughout high school and college, there were no practical classes on smart personal finance. It's such an essential part of success and yet for years after college the concept of 401k or budgeting practices were foreign to me. For a while, early in my career, I figured that as long as I tried not to live above my means, I'd be ok. Once I started reading up on personal finance and how to work towards my future, I realized that I had to master these basic practices for myself ...more
Jan 16, 2015 Kelly rated it it was amazing
This book is a great starting point for any young or not-so-young woman wanting to get her personal finances in order. I borrowed it from a friend a while ago, knowing that I needed to get my personal finances on track. However, that task seemed so daunting and I was so afraid of it that this book sat around in my house for a long time, making me feel guilty. Over the past 8 months or so, I slowly, reluctantly started figuring things out piecemeal, on my own -- saving, paying down credit card de ...more
Apr 10, 2008 Georgia rated it it was amazing
Recommends it for: Every Lady I Know
Recommended to Georgia by: Bust Magazine
Shelves: non-fiction
This book was really helpful.
I'm someone who gets anxious about "the system" so I try to read books that will explain it to me so I don't get lost in it.
This book explains the fundamentals of personal finance:
-what you should be doing now in order to prepare for the future
-what you should be careful about, including exposing the ways different financial institutions will try to lure you into doing things that aren't helpful.
-the realities of the financial demands that will be placed on us throug
Nov 05, 2007 shannon rated it liked it
found out about this from the woodhull bulletins, as one of the authors is a fellow alumni. a quick read that synthesizes a lot of information, much of it available elsewhere. a good first personal finance book for people who learned *nothing* from their parents [like me]; i could have definitely used something like this in college. i would have given it an additional star were it not for the occasional irritating bridget jones, talking barbie asides thrown in as if to emphasize "hey, you're onl ...more
Brandy Montgomery
Oct 14, 2011 Brandy Montgomery rated it it was amazing
Great book for the money illiterate girl. Before I read this book my mother called me a spendthrift. I looked at bills as something that I could pay whenever I felt like, and thankfully that worked out for me. However, after reading this book, I have become financially savvy. I took my slow time reading this book because I wanted to thoroughly understand it and I feel as though I have come to do that. From the time I started this book, I made the decision to get myself as far out of debt as I co ...more
Apr 27, 2014 Ashley rated it really liked it
This review has been hidden because it contains spoilers. To view it, click here.
Sep 04, 2007 Gemma rated it it was amazing
I highly recommend this book. I consider myself to be financially stable and engaged, however this book offered me a great conceptual overview of what needs to be done in order to remain so in the coming years. This book is aimed at women and there is some annoying tsk-tsking about not buying those fabulous heels!, but over-all this book has wide appeal. It also has a small section on financial security for women who stay at home and do not have their own financial history. It acknowledges that ...more
Jun 06, 2011 Mortalform rated it really liked it
Quite liked this intro guide to the intimidating world of personal finance. It is an American book but much of the advice is still valid or transferable with a Canadian guide to personal finance as a reference. So being Canadian why did I read this? The style was much more personable than the other books I tried and didn't have any scolding overtones. It accepted that each person is going to have different financial priorities and choose to spend their money on different things while providing a ...more
Sep 16, 2008 Lychee rated it really liked it
Great introductory book to personal finance! I've been making a bit of a study of this as I finally have an income and this book is written clearly and practically and makes me even more confident about the choices I've been making and has even answered some of the nagging questions I've had after reading other books (e.g., just how/when do you create a rollover IRA and which is better a Roth IRA or a company sponsored traditional 401K plan?). Yippee! Now I know exactly what my next financial st ...more
Emily Boyd
Mar 04, 2008 Emily Boyd rated it it was amazing
Recommends it for: those of us who graduated from the U of C (or wherever) withOUT an Econ degree...
This book is really amazing for those of us who are not so financially savvy. Speaking as someone who in general hates math and numbers, and doesn't really know anything about finances, I read it practically in one sitting.

Now I know the basics about how to do everything from budget wisely for the future, buy a house, and merge finances with a future partner.

Seriously guys. Takes four hours to read and teaches you everything you need to know about how to deal with your money now so that you can
Dec 16, 2007 Sandi rated it it was ok
Recommends it for: Lady executives.
I begin to think that this book is geared directly for the executive, 6 figure income. It has a lot of good solid practical information in it, but most of the budgets are out of this world. Anyone living on a modest income couldn't implement most of what is said. There is practical information in the front of the book, about budgetting and not using credit. I'm wondering if I want to finish it tho. There is too much money tied up in savings for my liking.

They had some good ideas on how much to b
Julie Jacobi
Mar 02, 2015 Julie Jacobi rated it really liked it
This is a great, basic resource on personal finance. I read it for the first time in my early twenties, and I still refer to it often. I recommend it to absolutely everyone who is just "getting started" in life (or vaguely wonders things like, "should I have a Roth IRA?" or "When will I be able to afford a house?")The only reason it doesn't get 5 stars is because I occasionally find the girlish hypotheticals and asides kind of annoying. But do NOT let that stop you from picking up this fantastic ...more
Feb 03, 2011 Khadijah rated it really liked it
Shelves: non-fiction, finance
Being on my own two feet, after college, and working in a foreign country was absolutely intimidating and terrifying sometimes. I didn't have anybody to ask, parents uncles teachers. I didn't know how the system works and I needed some simple quick answers to get me up to speed. I picked up this book and it was precisely what I needed. The authors give sound advice, on matters such as savings, investing, retirement, taxes, purchases, budgeting. I highly recommend this book to young people trying ...more
Jan 24, 2008 Lori rated it really liked it
I am definitely not financially stable, and have begun to truly worry about this in the past few years. From the start, this book is helping me to get organized and find (not-so-)obvious(-to-me) solutions to those problems of loan payments and credit card debt that no one ever taught me about.
And I consider myself an organized person!
Even if you are generally on top of things: if you don't know anything about finances, hate being a grown-up, don't want or don't know how to deal with bills and de
Nov 23, 2008 Hermgirl rated it it was amazing
This was the first honest-to-gosh personal finance book I have ever read, and I think I chose the best to start with.

It really helped me figure out some of the mysteries behind home buying, how to set up a budget that includes retirement *and* other things along the way, investing, how to deal with credit cards, etc.

I've never really bothered with thinking about this kind of stuff, because I felt like "since I *don't* have a lot of $$$, I don't really *need* to think about this"--which is extrem
Nov 22, 2013 Danielle rated it really liked it
I really enjoyed this. It was a quick read and covered a lot I already knew, but I definitely learned some important things. It doesn't make too many stereotypical assumptions about what women want to do with their money, but it accounts for the likelihood that, as a woman, you will likely not make as much money as your male counterparts, and you will probably have to make that money stretch longer, since women statistically live longer lives than men.

I'd recommend this as a primer on financial
Madison Sonnier
Feb 16, 2014 Madison Sonnier rated it it was ok
To be honest, I didn't even read this in its entirety. I tried to, but a lot of the information either went over my head or didn't apply to me. It will be a good book to keep handy for future reference, but for now, the whole thing just gives me a bit of a headache. Besides, I currently don't even make enough money to comfortably and effectively implement the advice. This book seems to assume that all its readers have steady, well-paying corporate jobs.
Not helpful for those who have debt

This book had almost zero by way of suggestions on how to get out of debt once you are in it other than the old standby to write down everything you spend to build awareness. Most people who would pick up a book like this would need that guidance. Without it, the whole book seemed like a treatise on what the ideal looks like. Save your time if you have debt and pick a more useful book.
Jul 11, 2008 Tracey rated it it was ok
Adult nonfiction; finance. This book was written for young women and teaches the basics of finance--using credit wisely, managing savings, paying taxes, &c. The goal was to make the "intimidating" aspects of money management easy and simple for women starting out, and in succeeds in that respect; I would recommend this to young women who are just starting out on their own or perhaps even to teens that are starting their first jobs.
Aug 07, 2007 Lauren rated it really liked it
Recommends it for: women who are looking for money advice!
I thought this book was great. While the first half covered financial advice I've read elsewhere, the language was different - very easy to understand and using examples specific to women. The tone is also like talking to a girlfriend about money matters, which makes the advice more interesting and easier to retain. This is a great resource, whether you've read a few financial books prior to this one or you need somewhere to start!
Mar 06, 2008 Anna rated it it was amazing
Shelves: non-fiction
I am buying a copy of this book for my sister. I encourage everyone I know to buy this book, and then read it, and then go out and set up an IRA. Do it now. Don't wait until you are 50 or it will already be too late. Even though this book has high heels on the cover, most men I know would benefit from reading it, if only to understand the financial realities facing women. All transgender folks and people who don't subscribe to either gender should read it as well.
Jul 28, 2011 Mary rated it liked it
I found this book to be a good intro to finance but found the tone condescending. I did not learn much from it, though I did not go into it as unlearned as the audience this book is written for. I would recommend this book to anyone interested in getting a handle on their finances. I would love to see this or similar books as required high schol reading!!
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