12 Steps to Financial Health: Learn Habits to Manage Your Money and Invest with Confidence (Paperback) (ISBN-13: 9781257094059)

You've worked hard. You've saved. So why does financial security and retirement still feel out of reach? If you're trying to get out of debt, build a real retirement plan, or finally invest without feeling overwhelmed, this book was made for you. 12 Steps to Financial Health is a practical, encouraging workbook that gives you everything you need to feel confident and in control of your money. With 12 clear lessons and 16 ready-to-use spreadsheets, this step-by-step guide will walk you through exactly how to: Eliminate debt strategically and sustainably Create a retirement plan that actually works Invest in low-fee ETFs with confidence Build healthy money habits that last a lifetime No jargon. No shame. Just a powerful system to help you go from financial stress to financial strength-regardless of your income, age, or starting point. Whether you're in your 20s or your 60s, this book simplifies the path to financial clarity, security, and independence. Itshows you how to stay on track, no matter what life throws your way. Melanie Berteig has spent over 20 years managing millions as a Chief Financial Officer. But before that, she helped her family eliminate more than $100k in debt. She knows what it takes to turn things around and she's helped countless others do the same. Using both real-world experience and financial training from world-leading experts, she's created a simple step-by-step approach to help others learn how to manage their own personal finances too. What readers are saying: "This book is an invaluable resource for anyone ready to transform their financial future." "I highly recommend Berteig's book, 12 Steps to Financial Health. It takes a practical and holistic approach to your financial well being. It is easy to read and everything is useful." "I feel the simplicity of language and clarity of steps to take, make this book easy to read and overcome one's fears of spreadsheets." This is more than a book. It's your personal roadmap to financial freedom. Buy your copy today and take the first step toward lasting financial health.

Author: Melanie Berteig
ISBN-10: 125709405X
ISBN-13: 9781257094059
Publisher: Lulu.com
Language: English
Published: 10/24/2025
Pages: 304
Format: Paperback
Weight: 0.90lbs
Size: 9.00h x 6.00w x 0.64d