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Smart Couples Finish Rich: 9 Steps to Creating a Rich Future for You and Your Partner
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Smart Couples Finish Rich: 9 Steps to Creating a Rich Future for You and Your Partner

3.79 of 5 stars 3.79  ·  rating details  ·  1,087 ratings  ·  154 reviews
From first-time newlyweds to people on their second or third marriage, couples face an overwhelming task when it comes to money management. Nationally renowned financial advisor and bestselling author David Bach knows that it doesn't have to be this way. In "Smart Couples Finish Rich," he provides couples with easy-to-use tools that cover everything from credit card manage ...more
Paperback, 320 pages
Published January 8th 2002 by Crown Business (first published March 6th 2001)
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Jodi
The Automatic Millionaire, by David Bach, was such an easy read and so motivational, I thought I'd see what he has to say in this book for couples. It gave really great information, but was almost identical to Smart Women Finish Rich, so you don't need to read both. I really had a hard time noticing much difference at all between the two.

But this was a great source on how to easily save money regularly and invest for retirement, focusing on pre-tax contributions. A lot of the information is rat
...more
Ashley
This review has been hidden because it contains spoilers. To view it, click here.
Melissa
I liked his approach. He emphasizes values and relationships, not just accumulating wealth. He also had a lot of good ideas and information. I have a better understanding of investing, mutual funds, retirement, and insurance than I had before I read this book. I found this to be a great supplement to Dave Ramsey's Total Money Makeover. Now I am off to make a value chart and get my financial stuff organized!
Allison
Wow, I'm amazed at all of the things that this book is forcing me to do. I thought I knew 'enough' about our finances, investing, saving, etc but I really wasn't getting anywhere or making progress. I didn't know what I didn't know! The opening section on first determining your values as a starting point was eye-opening. Then, I totally failed the quiz. Yikes! After submitting to the fact that I wasn't being a very good financial partner, I decided to take it seriously and do all of the little e ...more
Tara
Tyler said that since I read so much, I should try reading something that would benefit us both every now and then (Bill Simmons, apparently, doesn't count). Fair enough, so I looked up the most popular book on finances and put in a hold for it at the library. In the meantime, I went to the money section and picked this one up randomly. It was written in a MUCH more financially stable time. The author mocks people who would let their money waste away in a CD with an annual return of a measly 5-7 ...more
Abby
This book was written in 2001. As such, I think SOME of the specific investment advice might be a bit off given the state of the economy. However, there is lots of good information here to take away.

I appreciate the emphasis on creating a relationship between money management and one's core values. Identifying those core values and standing for them even when they don't align with ideas forwarded in media culture can be a challenge. However, according to Bach, doing so is key to creating the sma
...more
Megan
Yes, it's self-help. Yes, the writing is mediocre-- it's spattered with exclamation points, rhetorical questions, and incorrect uses of the word "literally." But who cares! The advice is invaluable, and thanks to this book I know with certainty that Adam and I will be more than comfortable in retirement. Hell, we might even be able to retire much earlier. Here are two of the choicest nuggets of wisdom I picked up:

1. Start a retirement plan. Now. There's a reason that the phrase "compound interes
...more
Claire
Everyone knows that senselessly accumulating wealth is pointless, so one of Bach's first steps is to have you really think about what you (as a couple) want to accomplish in life, then think about what kind of money is needed to be able to accomplish those things. This sparks vital conversation, allows you to think about how your goals could be accomplished with less moolah, and gives you something to work towards that is much more important than money itself. It stresses that money is a tool to ...more
Sarah
Part couples therapy and part finance class, this book is an easy read full of concrete steps to take to rectify your money issues as a couple. There are lots of exercises and worksheets to help with planning and aligning your spending with your core values. My only complaint is that some of the advice seems a bit dated now given the age of the book, but most of it is timeless and holds up really well despite the decade that has passed since publication.
Adam Moore
Although I gave this book 4 stars I must say I was somewhat disappointed in the content of this book .The first few chapters I found very informative with applicable advice for discussing finance issues with your partner. The majority of the rest of the book seemed to give advice that did not appear considerably different from advice in David Bach's "automatic millionaire" or other books such as "I can Teach you to be rich" and "The Wealthy Barber".

Having said that, all of the above books inclu
...more
Joni
My husband wanted me to read this book. There were a lot of things I already knew, and a lot of things that didn't really pertain to our situation. I did really like his emphasis on the fact that there are more important things than money in this life, and we should spend our time focusing on its' quality instead of trying to acquire "things" or "stuff." We are the kind of people that could figure out where to cut out all the little things - like eating out or seeing movies, spending more on gif ...more
ruby
The text boiled down to communication and sound budgeting, but it was quite accessible. It only takes a day or two to read, and it taught my partner and me things we didn't know. I would recommend picking up an inexpensive copy, particularly if you are unfamiliar with how to budget or with how to save in a tax-exempt manner.
Mike
A financial book getting 4/5 starts? WTF? It surprises even me. And I think it's safe to say that five years ago I would NEVER have dreamed of picking this book up. But now that I'm in my mid-twenties, married for more than three years, and have a career, I'm suddenly very interested in not living so dirt poor.

But still I don't care a great deal about finances. At least, not enough to read most financial books. But Bach does a nice job of keeping the information light and relevant. And he uses
...more
Rebecca
This helpful book is based on the premise that couples should be on the "same page" financially and, in the remaining chapters, addresses all the basic financial advice that young adults should know. The author proposes that couples identify 5 of their most important values, assess how money affects those values, identify goals that correspond to those values and action items to achieve them. Andres Tobias' book, The Only Investment Guide You'll Ever Need, is a better reference tool than Smart C ...more
Kristen Northrup
Recommended by my boyfriend's cousin, a professional financial advisor. The emphasis on in-depth communication and the risk of different assumptions is certainly worthwhile. The rest didn't seem as relevant to my own life and patterns as many of the other financial advice books I've read, however. It really feels like it's for yuppies. There's quite an emphasis on saving for big-ticket expenditures. Which many people do need, but not me right now. And the values project just didn't click, especi ...more
Jennie
I was leery of this book since it sounded suspiciously like a self help book. However, it actually helped me immensely. My family is weird about money and so I had a lot of hangups about it when my husband and I first got married. Reading this book honestly changed my life because it made me assess some of my values regarding finances and it helped me understand where our money was going and how we should be saving it. I'm really glad I read it when I was only 22. As a result I encouraged my hus ...more
Rebecca
Initially I was turned off by the overuse of the phrase "get rich", but the author has some valuable advice that will help you and your partner find financial security, the kind you've always wanted but never thought was a reality. The couple aspect of this book is probably the best feature, in that it asks you and your partner to focus on your core values and personal dreams, creating a financial plan to achieve them. This book helps you to create a plan, which is what most people neglect to do ...more
Stephanie
I was very disappointed with this read. I was hoping it would have some quick and easy tips I could implement immediately, but most of it was either story-telling of the author's experience or general financial advice I have already read about/been told about. The main thrust of the book was "learn how to communicate with your partner about finances." Which was really more about preventing unnecessary spending than documenting creative ways to save money. The 401(k), mortgage, healthcare, and ta ...more
gleba
I actually haven't 100% finished this book but made it about 75% of the way through so far. Overall I thought it was pretty helpful for those of us who are not already super on top of personal finance management (if you are it might be a bit basic but perhaps you will pick up some interesting tips.) I liked the discussion of creating medium and long term financial goals based on your core values. I also thought that some of the financial advice was pretty straightforward and the writing motivate ...more
Janet
Offers straightforward dvice to couples on how to put together retirement savings, security investments (the different types of insurance and how to buy), and savings for your dreams. Somewhat complicated financial concepts are explained in a logical and easy-to-understand way. One kind of strange thing is that this book appears to be targeted toward couples just starting out (i.e. lots of references to "if you're not married yet" etc.), but there is a lot of information presented as if the read ...more
matteo
A family friend/financial advisor recommended that we read this as we venture forth into this world of married life. The first half of the book seemed pretty reasonable and common-sensical. I was pleased to read that I had already taken a few things into consideration/put things into action (including my ever-more-ridiculous income-and-expenses spreadsheet). The second half of the book had my head spinning because it dealt with investments, insurance, taxes, and a ton of stuff that I have no kno ...more
Al Tillman
Obviously this book is directed towards couples. Yes you can read it as an individual. Great read IMO. It really details what the next step in life will entail. The pitfalls/successes of both the author and readers are shared. IF anything you will understand how important it is to be patient involving someone else in your new found togetherness. You may learn more than your willing to accept about your partner as well. Lol The only thing it is lacking is the instructions to get your partner to i ...more
Jennifer
I sought this book out as a young adult that has absolutely zero clue what she is doing with her money apart from the few tidbits that my grandfather has told me throughout the years. I thought the author did a really good job making the material understandable and giving tips on how to prioritize for whatever your goals happen to be. Granted, since the book was written in 2000, a lot of the actual return estimates are out of date (pretty sure you can't find a money market checking account with ...more
Kelli
I don't believe in get rich quick ideas & I don't think this book really tries to go there. It is a systematic financial approach to getting couples' money in order. This book had some good info that helped me get our files in order. I started reading this book ages ago & got a little bogged down by all the steps. The structured nature of this program is thorough & can't hurt anyone to get some extra tips, however. I picked this book up again today & skimmed through the rest. The ...more
Caroline
This book was an OK introduction to personal finance. I found that there was a 60% of common sense advice, which doesn't change over time. But the rest was outdated since it was written before the 2008 recession (for example, the author states some percentages that are impossible to attain today with the current interest rates). It is also clearly a book written for americans with some words changed for the "canadian edition".
I suggest reading a more recent book on investing and/or personal fina
...more
Ann Olson
This was a pretty good book. Sometimes he seemed pretty checked out of the financial situation of normal people but I do think he really put in an effort. I do really like how he talks about values, goals, and dreams. I also really liked the idea of the financial fitness test. It's super important to teach kids about money! The writing was decent-- sometimes a little dry but a pretty good mix of real life examples.
Erin
OK, so Bach has the typical problems self-help writers have of using excessive exclamation points, somewhat annoying cheeriness, etc. But I really like his approach of fitting your financial plan into your values and goals, rather than having a one-size-fits-all financial approach. And he does make finance very accessible to the lay person, and I like that he emphasizes making gradual progress, rather than feeling so overwhelmed by the big list of things to do that you don't do anything.
Neesha
David Bach's approach to finance management is both sensible and sage. I enjoyed reading this book and appreciated that he put in stories to make it go easier. So many self-help books can be dry and un-entertaining, but this was wasn't. I would highly recommend this to any couples seeking help getting finances, insurance, etc in order. I would imagine Bach's other books are also good--a friend of mine attended one of his "Smart Women Finish Rich" seminars and really enjoyed it.
Emily
This was a great book for couples to read together. It was not at all boring and read very quickly. It also included a lot of great exercises and action plans to get couples off on the right foot. I consider both myself, and my handsome hubby to be, financially responsible, and I still benifited from this book. I am glad I read it sooner rather than later. I knew I was off to the right start when I saved $$ off the cover price and bought a copy used from the DI for $1!
Doug
Yikes. This one sucked me in because it purported to be different from all the others.

It isn't.

It contains advice that a first-year financial advisor should give you in five seconds. If you're a lonely person looking for a daddy figure and direction on how to spend your money, read this. If you have a brain and can tell a good deal from a bad one, don't bother. Call your FA and have him or her drop by for six seconds and save yourself this reading.
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