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

4.07  ·  Rating details ·  3,352 ratings  ·  349 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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Kryshon By sticking to a budget and cutting expenses. I recommend talking to you banker. This establishes a relationship and they can help you achieve your go…moreBy sticking to a budget and cutting expenses. I recommend talking to you banker. This establishes a relationship and they can help you achieve your goals. (less)

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Sara
Jan 06, 2007 rated it liked it
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
...more
Kerri
Aug 24, 2008 rated it really liked it
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
Shane
Oct 12, 2007 rated it really liked it
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.
Joanna
Jan 30, 2009 rated it it was amazing
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
Frances
I'm refusing to rate this book, on the basis that I am not yet a millionaire.

Further bulletins as events warrant.
Laura
Feb 04, 2011 rated it it was ok
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.
Lightreads
Nov 14, 2013 rated it liked it
Shelves: nonfiction
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
Joanne
Jul 28, 2008 rated it liked it
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.
Christine
Apr 03, 2020 rated it really liked it
Though at times patronizing in tone and very basic in its message, I learned and was reminded of some good financial advice so overall found this a worthwhile (and short) read.
Lauren
Jan 25, 2009 rated it really liked it
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
Chiao-yu Tuan
Jan 23, 2015 rated it liked it
Shelves: practical
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
Phoebe
Aug 13, 2009 rated it it was amazing
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
Caroline
Aug 13, 2016 rated it it was amazing
Recommended to Caroline by: Susan
Shelves: summer2016
Motivating tips about saving and understandable explanations of financial terms. I also wasn't expecting this to have such an inspiring, find-your-dream-and-live-it message. Really liked the points about compounding interest and IRAs!

"$300 a month on clothes...car phone...restaurants...dry cleaning...leased car...all in all, she was spending over $2000 a month - well over half her take-home pay - on things that had absolutely nothing to do with what was most important to her: namely, having more
...more
Xiaoyun Li
Nov 24, 2017 rated it it was amazing  ·  review of another edition
I would recommend this book as a beginner financial education book and a life coach book. What I love about this book is that, instead of a cold blooded financial education, through this book I can feel the passion and the real author as a person. I really enjoy reading it, for one I got to learn some financial basis, and for second I get some valuable advice on life. I borrowed an ebook from the library but now I am going to buy a copy for my husband and me for reference. It's one of the books ...more
Deirdre
Aug 29, 2018 rated it did not like it  ·  review of another edition
It took me forever to make myself finish this book. Whereas I believe the premise is great (ensuring women take charge of their finances, etc), I found much of this book to be condescending. The author relies on extremely outdated stereotypes and what seems like obvious stories of fiction. Some of the tips are good but not anything that you probably haven’t heard many times over (at least those of us that are drawn to books like this). I can appreciate the effort and applaud the author for anyon ...more
Amanda Mitchell
Jan 29, 2011 rated it it was amazing
I spent a large portion of today resting & reading. This book is so much better than Suze Orman's 'Women & Money', because it gets past the initial shock of women being clueless about money (I know I am... which would make her cringe to hear).

It gives practical advice on how to change bad habits by forcing you to think about your values. How could I not save money??? Don't I want future comforts??? I feel like an idiot now... but hopefully now I have a reason & means to change.
...more
Kari
Jul 08, 2011 rated it really liked it
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.
Samantha March
Oct 08, 2019 rated it it was amazing
I am making a new goal to read a non-fiction book at least every other month, and after listening to David Bach on a podcast I love (The RISE podcast with Rachel Hollis) I wanted to kick off this new goal with Smart Women Finish Rich. I am someone who grew up with no financial savvy or assistance, have been shockingly poor, and have amassed a lot of debt while trying to put myself through college and start my own businesses. I’ve always wanted to learn about money and at one point even hired a f ...more
Lindsay
Aug 10, 2019 rated it really liked it
Shelves: non-fiction
I found a lot of this book informative, but there was a BIG section in the middle with specific info about how to invest your money and I found that boring and irrelevant (maybe because I’m not in a life phase where I’m super involved in my investing?). A lot of the book is also targeting women who are already in a place of privilege, so there were parts I think aren’t relatable to the masses. Not necessarily a book I’d recommend reading cover to cover, but one that’s probably worth referencing ...more
Kaitlyn
Sep 09, 2019 rated it it was amazing
I was gifted this book and honestly was not excited about reading it. Having never read a book about finances, I was hesitant that I would enjoy or get much from this. But I was blown away!!! The author is masterful at creating great stories through his own experience and sharing super helpful and easy to understand tips about your future and finances. I got so much great advice that I’ve actually started to use already! 10/10 would recommend to anyone learning how to deal with money.
Julianne
Oct 05, 2018 rated it really liked it
This is an amazing book and resource for anyone who has decided to improve their financial knowledge and situation but doesn’t know how. This book focuses more on the “how” of investing and financial cleanup, not so much the “why you should.” To me, that is where it differs from books by authors such as Dave Ramsey and Chris Hogan. It goes into much more detail and effectively uses illustrations and analogies. My favorite parts were where the author uses the cost of a latte over time to prove ho ...more
Mitch
Oct 05, 2018 marked it as to-read
A Money magazine article (September 2018) about Bola Sokunbi stated that she found this book particularly influential. She is quoting as saying, "I read that book to shreds."

The article explains that Sokundi now runs Clever Girl Finance, a financial education site for women.
Cheryl
Sep 22, 2018 rated it liked it
I thought this was a basic book which I already knew a lot of the information (or I'm already practicing it). I did find the section about teens an money interesting. Overall the book also felt very dated.
Rafael Musni
Feb 04, 2018 rated it it was amazing
I just finished reading this book as I often work with single female clients. I heartily approve this primer for intelligent women that want sage, non-sensationalist, guidance from a practicing financial advisor. Remember that the most famous "experts" that leap to mind are not practicing professionals but celebrities who have surrendered their licenses. Why read this book? The author structures the knowledge around his philosophy of determining one's values first, match them with goals and then ...more
Jodi
Sep 03, 2008 rated it it was amazing
Shelves: nonfiction
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
...more
Barrie
Dec 09, 2008 rated it it was amazing
I read this almost 8 years ago and it changed my life for the better. While waiting for other books I decided to pick it up again and see if I'd have more to learn. I did! This book reads like a dummy's guide in a way...so on the 2nd read the format felt a bit like I read too many of these finance books and this was just another one in the pile. BUT! It also opened my eyes to new values I had (pre-baby vs post-family) and new dreams I wanted to accomplish (8 years ago: pay off loans and farm in ...more
Kelly
Apr 21, 2012 rated it it was ok
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
Susannah Champlin
Feb 21, 2017 rated it liked it
I'm not financially literate at all but this book helped me become a step closer. It served as a great introduction to how to make the best financial choices based on your lifestyle (IRA vs Roth IRA? Stocks vs bonds vs mutual funds?). It included fun values exercises to pinpoint exactly where to save and where to cut back, with the idea that funding your passions helps cuts down on waste and will help you lead a happier and more fulfilled life. However, Bach wrote this book in 2001 and I'm not f ...more
Sharon
Jan 29, 2018 rated it liked it  ·  review of another edition
Empowering and great way to get organized about finances. As noted in some other reviews tho, some of his underlying assumptions about return on current bond market etc are not really accurate in today's world so proceed with caution in using his takeaways as timeless financial advice.

I loved the life inspiration ways of looking as money as source of empowerment, and I think it was a great motivational book. The other problem in trying to address large populations tho is that his strategy won't
...more
Lauren
Jan 23, 2008 rated it really liked it
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
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