
Perpetually broke - living beyond your income
What they didn’t teach you in School, how to Manage your Money, Pay off Debts, get a Money Makeover and Achieve Prosperity by 40
Failed to add items
Add to Cart failed.
Add to Wish List failed.
Remove from wishlist failed.
Adding to library failed
Follow podcast failed
Unfollow podcast failed
$0.99/mo for the first 3 months

Buy for $14.95
No default payment method selected.
We are sorry. We are not allowed to sell this product with the selected payment method
-
Narrated by:
-
Russell Newton
-
By:
-
Tom Cromwell
About this listen
Do you feel you're in financial stress, living paycheck to paycheck, but want to join the ranks of the prosperous? Do you want a financial makeover in seven hours? Then you need to keep reading....
You are in plenty of company according to CNN Money.
Around 76 percent of Americans are living paycheck to paycheck. Nearly 40 percent of Americans would have to borrow money to cover a $400 unexpected expense, and more than one-third of adults applied for some form of credit, says a Federal Reserve report in 2019. These problems impact all age ranges and different income brackets. For example, doctors are notorious for living at or beyond their incomes, and 51 percent of them do so according to the Medscape Wealth and Debt report 2019.
If you find yourself spending more than you earn; struggling to balance debts, rein in spending, and save; if you want friendly, simple, practical advice that doesn’t assume any prior knowledge of personal finances, then this book is aimed at you.
If you are already a competent saver or investor with strong self-control and sound knowledge of personal finances, then don’t buy this book. You don’t need it.
If you absorb the contents of this book and follow the straightforward guidance, then you will immediately begin to feel more in control and secure about your finances. I believe you can be ready to begin the rest of your financial life in one day or just seven hours. If you remain on this path, you will reach a position of financial comfort and prosperity.
I have applied the lessons and principles in this book throughout my life. They work as well when I earnt very little as they work now that I am more secure and enabled me to climb up the wealth ladder from the lowest rung. As I am not Bill Gates or Jeff Bezos, I cannot claim to have ascended to the very highest rung, but I am financially free and prosperous.
Ashley financed life essentials by paying with credit cards, never paying them off, on top of student loans. In two short years, she amassed $70,000 in debt. However, after a financial makeover, she had paid off more than $10,000 in debt in three months.
In this audiobook, you will discover:
- The ways others are manipulating your behavior and secrets to counter them
- The seven myths about debt that are keeping you impoverished
- Why this book works for any budget
- The five reasons why your attempts to balance income and spending keep failing
- Why you need to change your approach and how to succeed with money and finances
- The 21 makeover techniques for cutting debt and spending
- Why the philosophies of ancient Greece can help you control your spending
- Why you need to develop a vision
- The secret reasons successful people don’t need remarkable willpower
- And much more (including access to your bonus free personal finance calculator)
There are many other books on personal finances, financial freedom, and money makeovers, and you may be thinking of buying one of them, instead. Don’t! This book synthesizes the best, discards the unworkable, and using psychology adds a new and unique approach to reaching your financial goals.
PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio.
©2020 Platinum Edge Media Ltd (P)2020 Platinum Edge Media LtdListeners also enjoyed...
-
Get a Financial Makeover and Achieve Financial Freedom
- Books 1 & 2 Personal Finance Wizard: Perpetually Broke and Crush Debt Now! How to Manage Your Money, Stick to a Budget, Be Debt-Free and Wealthy
- By: Tom Cromwell
- Narrated by: Russell Newton
- Length: 8 hrs and 24 mins
- Unabridged
-
Overall
-
Performance
-
Story
Discover devastatingly effective secrets for money management, personal finance, and how to budget. Find out how thousands have become debt-free using these steps no matter how much they owed. You can laugh at money worries and become debt-free if you follow these simple solutions....
-
-
A Blueprint to Financial Prosperity
- By Kiki M on 09-10-21
By: Tom Cromwell
-
Your Money or Your Life
- 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018
- By: Vicki Robin, Joe Dominguez, Mr. Money Mustache - foreword
- Narrated by: Vicki Robin
- Length: 11 hrs and 21 mins
- Unabridged
-
Overall
-
Performance
-
Story
For more than 25 years, Your Money or Your Life has been considered the go-to book for taking back your life by changing your relationship with money. Hundreds of thousands of people have followed this nine-step program, learning to live more deliberately and meaningfully with Vicki Robin’s guidance. This fully revised and updated edition with a foreword by Mr. Money Mustache is the ultimate makeover of this best-selling classic, ensuring that its time-tested wisdom applies to people of all ages.
-
-
Not A Book About Finances
- By Tristan on 09-24-18
By: Vicki Robin, and others
-
The Young Adults Guide: 5 Steps to Managing Money
- Eliminate Financial Stress, Never Miss a Bill Payment Again, Savings Made Easy. Bonus: Savings Challenge
- By: Kendall Patterson
- Narrated by: Hedy Parks
- Length: 3 hrs and 22 mins
- Unabridged
-
Overall
-
Performance
-
Story
Whether you are single and struggling or fighting with your partner over finance, Young Adults Guide: 5 Steps to Managing Money is the only money management guide you need that has proven results.
-
-
Perfect money management guide for me in my 20s
- By Dan on 01-02-23
-
Personal Finance for Women
- 101 Must-Know Financial Literacy Tips to Get Rid of Debt, Repair Your Credit, and Create Financial Independence
- By: Dlina J. Depina
- Narrated by: Lori K. Petrie
- Length: 4 hrs and 21 mins
- Unabridged
-
Overall
-
Performance
-
Story
We are seeing more women in the workforce than ever before, but despite reaching high-paying successful positions, women struggle with growing their wealth and maintaining finances. Most of the time, this struggle stems not from the inability to monitor and budget the money; rather, it originates from the lack of education and recourses that are available for young women or women in general. For some, financial education might be Everest, but even the most dangerous mountains can be conquered with the right information, patience, and resilience.
-
-
Empowered Finances: A Woman's Guide to Wealth
- By Chad K. Smith on 08-02-24
By: Dlina J. Depina
-
Crush Debt Now!
- Pay off debt, fight collection lawsuits, negotiate and settle your debts using 3-step strategy to be debt free
- By: Tom Cromwell
- Narrated by: Russell Newton for Hot Ghost Productions
- Length: 4 hrs and 5 mins
- Unabridged
-
Overall
-
Performance
-
Story
Do you have excessive debts with no idea how you will pay them off? Are you being pursued by your creditors, receiving aggressive phone calls from debt collectors, and letters threatening court action? Fifteen percent of Americans said that they had been pursued by a debt collector, according to a report by the Consumer Financial Protection bureau in 2017.
-
-
Great information
- By Alec on 12-21-20
By: Tom Cromwell
-
The Book on Investing In Real Estate with No (and Low) Money Down
- Creative Strategies for Investing in Real Estate Using Other People's Money (BiggerPockets Rental Kit 1)
- By: Brandon Turner
- Narrated by: Brandon Turner
- Length: 5 hrs and 33 mins
- Unabridged
-
Overall
-
Performance
-
Story
Realize your real estate dreams with this revised and updated guide from a bestselling author and discover the creative financing strategies that savvy investors are using to do more deals, more often.
-
-
Brutal Narration
- By Jeremiah on 12-14-15
By: Brandon Turner
-
Get a Financial Makeover and Achieve Financial Freedom
- Books 1 & 2 Personal Finance Wizard: Perpetually Broke and Crush Debt Now! How to Manage Your Money, Stick to a Budget, Be Debt-Free and Wealthy
- By: Tom Cromwell
- Narrated by: Russell Newton
- Length: 8 hrs and 24 mins
- Unabridged
-
Overall
-
Performance
-
Story
Discover devastatingly effective secrets for money management, personal finance, and how to budget. Find out how thousands have become debt-free using these steps no matter how much they owed. You can laugh at money worries and become debt-free if you follow these simple solutions....
-
-
A Blueprint to Financial Prosperity
- By Kiki M on 09-10-21
By: Tom Cromwell
-
Your Money or Your Life
- 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018
- By: Vicki Robin, Joe Dominguez, Mr. Money Mustache - foreword
- Narrated by: Vicki Robin
- Length: 11 hrs and 21 mins
- Unabridged
-
Overall
-
Performance
-
Story
For more than 25 years, Your Money or Your Life has been considered the go-to book for taking back your life by changing your relationship with money. Hundreds of thousands of people have followed this nine-step program, learning to live more deliberately and meaningfully with Vicki Robin’s guidance. This fully revised and updated edition with a foreword by Mr. Money Mustache is the ultimate makeover of this best-selling classic, ensuring that its time-tested wisdom applies to people of all ages.
-
-
Not A Book About Finances
- By Tristan on 09-24-18
By: Vicki Robin, and others
-
The Young Adults Guide: 5 Steps to Managing Money
- Eliminate Financial Stress, Never Miss a Bill Payment Again, Savings Made Easy. Bonus: Savings Challenge
- By: Kendall Patterson
- Narrated by: Hedy Parks
- Length: 3 hrs and 22 mins
- Unabridged
-
Overall
-
Performance
-
Story
Whether you are single and struggling or fighting with your partner over finance, Young Adults Guide: 5 Steps to Managing Money is the only money management guide you need that has proven results.
-
-
Perfect money management guide for me in my 20s
- By Dan on 01-02-23
-
Personal Finance for Women
- 101 Must-Know Financial Literacy Tips to Get Rid of Debt, Repair Your Credit, and Create Financial Independence
- By: Dlina J. Depina
- Narrated by: Lori K. Petrie
- Length: 4 hrs and 21 mins
- Unabridged
-
Overall
-
Performance
-
Story
We are seeing more women in the workforce than ever before, but despite reaching high-paying successful positions, women struggle with growing their wealth and maintaining finances. Most of the time, this struggle stems not from the inability to monitor and budget the money; rather, it originates from the lack of education and recourses that are available for young women or women in general. For some, financial education might be Everest, but even the most dangerous mountains can be conquered with the right information, patience, and resilience.
-
-
Empowered Finances: A Woman's Guide to Wealth
- By Chad K. Smith on 08-02-24
By: Dlina J. Depina
-
Crush Debt Now!
- Pay off debt, fight collection lawsuits, negotiate and settle your debts using 3-step strategy to be debt free
- By: Tom Cromwell
- Narrated by: Russell Newton for Hot Ghost Productions
- Length: 4 hrs and 5 mins
- Unabridged
-
Overall
-
Performance
-
Story
Do you have excessive debts with no idea how you will pay them off? Are you being pursued by your creditors, receiving aggressive phone calls from debt collectors, and letters threatening court action? Fifteen percent of Americans said that they had been pursued by a debt collector, according to a report by the Consumer Financial Protection bureau in 2017.
-
-
Great information
- By Alec on 12-21-20
By: Tom Cromwell
-
The Book on Investing In Real Estate with No (and Low) Money Down
- Creative Strategies for Investing in Real Estate Using Other People's Money (BiggerPockets Rental Kit 1)
- By: Brandon Turner
- Narrated by: Brandon Turner
- Length: 5 hrs and 33 mins
- Unabridged
-
Overall
-
Performance
-
Story
Realize your real estate dreams with this revised and updated guide from a bestselling author and discover the creative financing strategies that savvy investors are using to do more deals, more often.
-
-
Brutal Narration
- By Jeremiah on 12-14-15
By: Brandon Turner
-
Get Good with Money
- Ten Simple Steps to Becoming Financially Whole
- By: Tiffany the Budgetnista Aliche
- Narrated by: Tiffany the Budgetnista Aliche
- Length: 12 hrs and 23 mins
- Unabridged
-
Overall
-
Performance
-
Story
Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her 10-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide save and pay off millions in debt, and begin planning for a richer life.
-
-
Goodbye SWEET 16. Hello ROTH IRA!
- By Will Smith on 04-12-21
-
The Dropout Multi-Millionaire
- 37 Business Lessons on How to Succeed in Business with No Money, No Education, and No Clue
- By: Brian WIll
- Narrated by: Kyle Gorman
- Length: 3 hrs and 40 mins
- Unabridged
-
Overall
-
Performance
-
Story
Businesses fail for a lot of reasons. The biggest one, however, is the owner's lack of understanding of their personal decision-making skills, who they are, or who they should be inside their organization. Running a business is both an art and a science. If you are only good at one of them, or in the worst case, neither, you will most likely become one of the 65 percent of people who fail.
-
-
Great Book!
- By Troy Horne on 09-21-22
By: Brian WIll
-
Financial Literacy for Young Adults Simplified
- Discover How to Manage, Save, and Invest Money to Build a Secure & Independent Future
- By: Raman Keane
- Narrated by: Alan I Ross
- Length: 3 hrs and 22 mins
- Unabridged
-
Overall
-
Performance
-
Story
Investing in your future is easier than you think—discover how and achieve financial security more quickly than you can possibly imagine. Young adults are especially financially vulnerable because they’re just starting out, want a lot of “stuff,” and are not earning the big bucks yet. So, they’re borrowing too much and saving too little (if at all), and they’re in a financial mess. But it doesn’t have to be like that. Instead, imagine a life where you have peace of mind, because your financial affairs are in order, and you’re on the right path to building wealth.
-
-
Gave me a better insight on how to start saving
- By Thomas Capozzi on 03-31-25
By: Raman Keane
-
Personal Finance for Young Adults
- By: R.M. Collective
- Narrated by: Arielle Morisot
- Length: 3 hrs
- Unabridged
-
Overall
-
Performance
-
Story
Over 80 percent of Americans under the age of 43 are stressed about money, especially during this unprecedented inflation, according to the American Psychological Association. You could blame the pandemic or the collapse of the economy, but blaming something you can’t control only hurts your peace of mind.
-
-
Loved this book for stepping my foot into the door of investments and savings!
- By Bhody on 09-19-23
By: R.M. Collective
-
Bright Money
- Build Your Personal Wealth and Budgeting Skills, a Simple Path to Manage Your Budget, Controlling Finance, Accounting, Effective, Live Tension Free Life, Financial Control
- By: Emil Collins
- Narrated by: tom carter
- Length: 4 hrs and 24 mins
- Unabridged
-
Overall
-
Performance
-
Story
Do you want to smartly set up a budget, and start saving money to fulfil your dreams and support your family at the same time? Then look no further as this is the book for you! No matter what people say, the truth is money indeed is the single most essential element that makes the world go round. No matter what you want to do, it will cost you money.
By: Emil Collins
-
Let the Jones Think They Are Winning
- How the Time Value of Money Can Make Any Average Person a Millionaire
- By: Guy Edwards
- Narrated by: Tom Brooks
- Length: 4 hrs and 24 mins
- Unabridged
-
Overall
-
Performance
-
Story
Consumer culture has got everyone caught up in a vicious cycle of buying overpriced junk you don't need to impress people you don't even like. It's time to snap out of it and take control of your finances before it's too late. This book is a straight-up, no-BS guide to escaping the chokehold of consumer culture, so you can focus on what truly matters and live the life you've always dreamed of.
-
-
Great Thoughts
- By Edward on 06-29-23
By: Guy Edwards
-
Smart Money Habits for Teens And Young Adults
- Personal Finance Guidebook About How to Survive Recession and Achieve Financial Independence with Smart Budgeting, Debt Management, and Investing
- By: Ward Nash
- Narrated by: Cameron Smith
- Length: 3 hrs and 11 mins
- Unabridged
-
Overall
-
Performance
-
Story
How not to be living in your parents’ basement by the time you’re 30. Ever thought about what life would be like if you could finally live on your own and not have others tell you what to do? Want to know how you can avoid burying yourself in debt as most people do in their 20s? What if you could start building your wealth today - even if you’re barely 18, with no money and no experience? If you’re looking for ways to make money fast and become a millionaire through eCommerce…this ain’t it, chief.
-
-
Essential
- By M Greenman on 10-16-23
By: Ward Nash
-
The 7-Steps from Money Slave to Money Master
- The Young Adult's Guide to Personal Finance 101: A Quick Start Guide for Teens and College Students
- By: Learn2Thrive Press
- Narrated by: Luke Oldham
- Length: 3 hrs and 16 mins
- Unabridged
-
Overall
-
Performance
-
Story
Tired of constant financial stress? Take charge of your future with expert strategies to build wealth and achieve true financial freedom. Discover the secrets to financial mastery, escape the paycheck-to-paycheck cycle, crush debt, and transform your money mindset. Don't let money control you - take control of your money!
-
-
Great advice
- By Darrell Dillon on 03-28-24
-
The Double Monetary Hourglass
- 11 Strategies for Finding Balance in Money Management for 20 and 30 Somethings, and Eliminating Student Loan Debt Quickly During or After College for Beginners
- By: Lou Vachon
- Narrated by: John J. Grace
- Length: 3 hrs and 51 mins
- Unabridged
-
Overall
-
Performance
-
Story
Do you find yourself worrying about what you’re going to do once you get out of college? 70 percent of college graduates enter the workforce with over $30,000 in debt. But this doesn't have to be you. You don't have to become part of yet another statistic. Being financially independent as you walk off that graduation stage is not a far-fetched fantasy. This is not a reality reserved solely for those who have very wealthy parents. You can achieve financial success even while in school, and can carry this forward with you throughout the rest of your life.
-
-
Bang on!
- By Marc Bourbonnais on 09-13-22
By: Lou Vachon
-
Money Management Skills for Beginners: Learn Strategies to Become Debt Free and Reach Financial Freedom
- By: Leonardo Turner
- Narrated by: Sam Slydell
- Length: 3 hrs and 22 mins
- Unabridged
-
Overall
-
Performance
-
Story
One of the most important steps towards being independent is financial independence. This means you are in total control of your expenses and the money you make. Money is crucial when it comes to living well in the community, but you don’t need too much money to become independent, happy, or even successful. You merely need to know how to control your expenses and manage the money you have, so that it can work for you.
-
-
Managing Money Right
- By David on 07-23-19
By: Leonardo Turner
-
Set for Life, Revised Edition
- An All-Out Approach to Early Financial Freedom
- By: Scott Trench
- Narrated by: Scott Trench
- Length: 9 hrs and 22 mins
- Unabridged
-
Overall
-
Performance
-
Story
Scott Trench—real estate investor, co-host of the BiggerPockets Money Podcast, and CEO of BiggerPockets—demonstrates how to accumulate a lifetime of wealth over a short period of time. Even starting with zero savings, you can go from a five-figure income to six figures, from an active job to passive income, then finally to the ultimate goal of financial independence.
-
-
Set for American life
- By Anonymous User on 05-11-17
By: Scott Trench
-
Personal Money Management
- By: William Bahl
- Narrated by: William Bahl
- Length: 1 hr and 21 mins
- Unabridged
-
Overall
-
Performance
-
Story
Stop living paycheck to paycheck. Take charge of your money on your own terms...today! You can begin using simple strategies to build wealth, manage debt effectively, and build financial security. In this audiobook you will learn: How to become accountable to yourself, wealth creation and freedom, active income and passive income, risk versus return of investing, saving versus paying off debt, and so much more!
-
-
This book is well written!
- By Madz Mercedez on 11-07-19
By: William Bahl