{"product_id":"practically-independent-jay-rigler-9781696557474","title":"Practically Independent: Practical Advice to Become Financially Independent","description":"Practically Independent: Practical Advice to Become Financially Independent\u003ci\u003ePractically Independent: Practical Advice to Become Financially Independent\u003c\/i\u003e is a no-nonsense guide to help you take control of your finances, full of practical advice that you can use to immediately improve your personal finances. The book outlines the strategy I have used to escape living paycheck-to-paycheck, lower the cost of my debt, get paid for having money, and protect what I have built. \u003cbr\u003e\u003cbr\u003eInside the book are tools, tips, and guides to help you manage cash, manage credit, manage investments, and manage risk.If you are looking for a get-rich-quick scheme, this book is not for you. On the other hand, if you are looking for financial independence made simple, with a practical approach to take control of your finances with real-world advice that you can start implementing today, then this is the book for you. \u003cbr\u003e\u003cbr\u003eThe entire strategy to take control of your finances is in the book \u003ci\u003ePractically Independent: Practical Advice to Become Financially Independent\u003c\/i\u003e, available in both Paperback and eBook editions. \u003cbr\u003e\u003cbr\u003ePractical advice to become financially independent broken down into four steps. 1. Managing Cash: Being trapped living paycheck-to-paycheck is absolutely awful. Find out how to break the cycle by treating personal finances like a small business. Nobody likes budgets, and any personal financial advice that starts with \"create an in-depth budget\" is the worst. This approach does not require building a budget for groceries, lattes, or anything else  Instead, separate income from expenses, learn budgeting basics, create an un-detailed budget and watch your savings grow. \u003cbr\u003e\u003cbr\u003e2. Managing Credit: The interest rate you pay when you borrow money depends significantly on your credit report and your credit score. This book outlines a specific strategy to build a credit report with a step-by-step checklist to build your FICO score and lower the cost of borrowing money. \u003cbr\u003e\u003cbr\u003e3. Managing Investments: Investing is not gambling. If your strategy leaves you hoping that markets go up and scared that they will go down, then you are gambling. Instead, learn how to build a strategy that works when the market goes up and when it goes down. You can invest in mutual funds and ETFs to build a portfolio that systematically and regularly pays you for having money. A strategy that will actually pay you more as you get older and further into retirement. It is investing, demystified. \u003cbr\u003e\u003cbr\u003e4. Managing Risk: When you have built up your savings, your credit, and your investments, then you have a lot to lose if something unexpected happens. To protect what you have built, it is important to have three kinds of insurance: Health, Property, and Life. But, what kind, how much, and for how long? This book has an approach to help you decide how much insurance is enough. \u003cbr\u003e\u003cbr\u003eAbout the author - Jay Rigler is a financial literacy advocate with a BA and an MA in economics. His career has included personal financial advising, risk management at a major credit card, and analytics for a top tier advertising agency. Here is an excerpt from the About Me section of the book: \u003cbr\u003e\u003cbr\u003e\"In 2010, after two years at the advertising agency, I was thoughtfully living the financial life you are going to learn about if you read through the rest of this book... I was running my personal finances like a small business. \u003cbr\u003e\u003cbr\u003e\"In the middle of 2014, I was able to shift my career again. I set up an online business, replaced my main income with my side hustle, and was able to leave the rat race behind... I want to share my practical tips to become financially independent. I am going to focus on tips that will work whether you earn a salary, an hourly wage, commissions, or are self-employed.\" \u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Jay Rigler\u003cbr\u003e\u003cb\u003eISBN-10:\u003c\/b\u003e 169655747X\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9781696557474\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Independently Published\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 11\/05\/2019\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 132\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.45lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 9.00h x 6.00w x 0.31d","brand":"Jay Rigler","offers":[{"title":"Paperback","offer_id":43941153734911,"sku":"9781696557474","price":6.49,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0662\/2982\/9887\/products\/img_698f72bd-cf93-44dd-aef5-82b0f22fcb73.jpg?v=1681451228","url":"https:\/\/www.whiterainbookhouse.com\/products\/practically-independent-jay-rigler-9781696557474","provider":"WR Book House","version":"1.0","type":"link"}