Personal Finance for Teens & Young Adults
Life Skills Not Taught in the Classroom: Maximize Understanding of Banking Basics, Budgeting & Money Management
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Narrated by:
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N.W. Edwards
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By:
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CJ Douglas
About this listen
Why most of the people you know will never become financially independent
Ever wondered why close to 70 percent of the country’s wealth goes to 10% of the population?
Want to know what mistakes keep the bottom 90 percent from becoming rich?
Looking for tips on how you could become part of the top 10 percent?
If you’re listening to this, chances are you already understand one of the sadder truths about today’s education system.
Now, this has got nothing to do with the teachers. In fact, it’s got more to do with the students.
Here’s why:
That statistic above—10 percent of the population owns almost 70 percent of the wealth in America—it’s not just some made-up number copied off some random site.
It’s from a report published by the U.S. Federal Reserve.
Now, when most people see that number, they tend to think it’s “unfair.” That the financial system is “rigged.”
And that’s exactly why 56 percent of the population don’t have enough money to cover a $1000 emergency expense, according to CNBC…why 45% of six-figure earners are still living paycheck-to-paycheck…and why the bottom 90% regularly own less than a third of the nation’s wealth.
It’s a problem that goes much deeper than the financial system… or the education system… or pretty much any system there is. And it all comes down to one common fact:
Herd mentality.
Think about the difference between you and your classmates. Most people you know are doing what everyone else is doing — taking the same standard courses and studying for the same standardized tests. That’s why you’re reading this and they’re not.
Because you’ve realized that doing what’s “standard” only leads to standard results. Like a standard job. Making standard money. Living a standard life.
And if you don’t want to be just standard… if you want to become part of that top 10 percent...that means doing what 90 percent of the population won’t.
That’s where this book comes in, and what makes this particular personal finance guide so different from all the rest. It covers tips and bits of information that go beyond what they teach in school, like simple wealth-creation strategies that even adults know nothing about.
Here’s a quick look at what you’ll discover inside:
- The key difference between being rich and being wealthy, and the 5 habits that can help you build a solid base of wealth, even if you’re barely 19
- The simple formula that can help you figure out how to double your money with just a few minutes of mental math
- The two financial traps that even rich people fall for, and how you can avoid them altogether
- How inflation “strangles” your savings and dreams of retirement, and what you can do to stay ahead of the curve
- What to look for when picking a savings account
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You Don’t Have to Drive an Uber in Retirement is a survival guide for your golden years, and a lifeline for those entering the Retirement Crisis unprepared. Roughly 45 percent of Americans have zero dollars saved for retirement - but the average retiree will spend $154,000 in out-of-pocket health care costs alone. We need to figure out how to generate more income, even in retirement, and spend less. How do we boost our retirement income? Is investing the way to go? This book does more than just answer the important questions - it gives you real-world tips to help you reach your financial goals.
By: Marc Lichtenfeld
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The Smartest Money Book You'll Ever Read
- Everything You Need to Know About Growing, Spending, and Enjoying Your Money
- By: Daniel R. Solin
- Narrated by: Joe Barrett
- Length: 5 hrs and 22 mins
- Unabridged
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Tens of thousands of readers trust Dan Solin's advice when it comes to investing, managing their 401(k)s, and planning for retirement. Now Solin offers the smartest guide to money management and financial planning yet. From managing your debt, boosting your savings, and owning (or renting) a home to buying insurance, maximizing investment returns, and retiring when you want to, The Smartest Money Book You'll Ever Read is your road map to financial freedom - and to enjoying yourself along the way.
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mint.com promo
- By Amazon Customer on 04-13-21
By: Daniel R. Solin
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Your Score
- An Insider's Secrets to Understanding, Controlling, and Protecting Your Credit Score
- By: Anthony Davenport, Matthew Rudy
- Narrated by: Qarie Marshall
- Length: 6 hrs and 11 mins
- Unabridged
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Like it or not, a healthy credit score is essential if you want to participate in today's financial world. But very few people actually understand how their credit score is determined. Worse yet, most don't know how their score is used by all kinds of companies and banks to dictate financial terms that will strongly affect their daily lives. When consumers interact with the world of credit, they do so from a position of weakness. In Your Score, Anthony Davenport aims to change that. Finally, there's a road map for navigating the confusing world of consumer credit.
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The best! Most knowledgeable for years to come
- By Red Culver on 07-06-18
By: Anthony Davenport, and others
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I Will Teach You to Be Rich
- No Guilt. No Excuses. No B.S. Just a 6-Week Program That Works (Second Edition)
- By: Ramit Sethi
- Narrated by: Ramit Sethi
- Length: 12 hrs and 8 mins
- Unabridged
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Buy as many lattes as you want. Spend extravagantly on the things you love. Live your rich life instead of tracking every last expense with Ramit Sethi’s simple, powerful, and effective six-week program for gaining control over your finances. This isn’t typical advice from a money expert. In this completely updated second edition, Ramit teaches you how to choose long-term investments and the right bank accounts. With his characteristic no-BS perspective, he shows how to squeeze every hidden benefit out of your credit cards.
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Repetitive - should be retitled.
- By Truth on 06-20-19
By: Ramit Sethi
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12 Months to $1 Million
- How to Pick a Winning Product, Build a Real Business, and Become a Seven-Figure Entrepreneur
- By: Ryan Daniel Moran
- Narrated by: Ryan Daniel Moran
- Length: 7 hrs and 38 mins
- Unabridged
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By cutting out the noise and providing a clear and proven plan, this road map helps even brand-new entrepreneurs make decisions quickly, get their product up for sale, and launch it to a crowd that is ready and waiting to buy. This one-year plan will guide you through the three stages to your first $1 million: the Grind (months 0-4), the Growth (months 5-8), and the Gold (months 9-12). If your goal is to be a full-time entrepreneur, get ready for one chaotic, stressful, and rewarding year. If you have the guts to complete it, you will be the proud owner of a million-dollar business.
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Good, but a Little Misleading
- By Chris Love on 11-28-20
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The Simple Path to Wealth
- Your Road Map to Financial Independence and a Rich, Free Life
- By: JL Collins
- Narrated by: JL Collins, Peter Adeney
- Length: 6 hrs and 38 mins
- Unabridged
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This book grew out of a series of letters to my daughter concerning various things - mostly about money and investing - she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we've created, understanding it is critical.
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Misleading, heavily biased
- By Cody Peralta on 07-19-19
By: JL Collins
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The Creature from Jekyll Island
- A Second Look at the Federal Reserve
- By: G. Edward Griffin
- Narrated by: Mark Bramhall
- Length: 24 hrs and 21 mins
- Unabridged
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This classic expose of the Fed has become one of the best-selling books in its category of all time. Where does money come from? Where does it go? Who makes it? The money magician's secrets are unveiled. Here is a close look at their mirrors and smoke machines, the pulleys, cogs, and wheels that create the grand illusion called money. A boring subject? Just wait. You'll be hooked in five minutes. It reads like a detective story - which it really is, but it's all true.
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Lost confidence in author
- By Amazon Customer on 07-11-20
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Plan Your Year Like a Millionaire
- By: Rachel Rodgers
- Narrated by: Rachel Rodgers
- Length: 2 hrs
- Original Recording
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Plan Like a Millionaire is part of a riveting three-part series, and it's all about elevating your game and setting goals like a seven-figure earner. In this wealth-inspiring listening journey, Rachel reveals the secrets of how to set goals, manage time wisely, build essential support systems, break free from financial constraints, and make savvy money decisions.
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Feel Good Book, only
- By Maggie on 01-06-24
By: Rachel Rodgers
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How to Day Trade for a Living
- A Beginner's Guide to Trading Tools and Tactics, Money Management, Discipline and Trading Psychology
- By: Andrew Aziz
- Narrated by: Kevin Foley
- Length: 6 hrs and 56 mins
- Unabridged
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Very few careers can offer you the freedom, flexibility, and income that day trading does. As a day trader, you can live and work anywhere in the world. You can decide when to work and when not to work. You only answer to yourself. That is the life of the successful day trader. Many people aspire to it, but very few succeed. In the audiobook, I describe the fundamentals of day trading, explain how day trading is different from other styles of trading and investment, and elaborate on important trading strategies that many traders use every day.
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Its a sales pitch
- By Xavier Foley on 02-08-18
By: Andrew Aziz
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Los secretos de la mente millonaria (Narración en Castellano) [Secrets of the Millionaire Mind]
- Domina el juego de la riqueza [Mastering the Inner Game of Wealth]
- By: T. Harv Eker
- Narrated by: Ivan Villanueva
- Length: 2 hrs and 17 mins
- Unabridged
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El autor estaba en bancarrota, en solo dos años y medio se convirtió en millonario y construyó una de las más grandes firmas de consultoría para el éxito. Con sus enseñanzas ha tocado la vida de millones de personas. Este audiolibro te enseña a observar como piensas. Es un reto a tus ideas que te limitan, a los razonamientos que no te apoyan y a tus acciones con respecto al dinero.
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El libro está bien, pero ES VERSION RESUMIDA
- By alexnvlp on 08-24-23
By: T. Harv Eker
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The Little Book of Common Sense Investing
- The Only Way to Guarantee Your Fair Share of Stock Market Returns, 10th Anniversary Edition
- By: John C. Bogle
- Narrated by: L. J. Ganser
- Length: 5 hrs and 50 mins
- Unabridged
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The Little Book of Common Sense Investing is the classic guide to getting smart about the market. Legendary mutual fund pioneer John C. Bogle reveals his key to getting more out of investing: low-cost index funds. Bogle describes the simplest and most effective investment strategy for building wealth over the long term: buy and hold, at very low cost, a mutual fund that tracks a broad stock market Index such as the S&P 500.
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One star for every point this 5 hour book makes.
- By Matt on 01-31-19
By: John C. Bogle
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The Millionaire Fastlane: Crack the Code to Wealth and Live Rich for a Lifetime
- By: MJ DeMarco
- Narrated by: MJ DeMarco
- Length: 12 hrs and 46 mins
- Unabridged
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Since you were old enough to hold a job, you've been hoodwinked to believe that wealth can be created by blindly trusting in the uncontrollable and unpredictable markets: the housing market, the stock market, and the job market. I call this soul-sucking, dream-stealing dogma "The Slowlane" - an impotent financial gamble that dubiously promises wealth in a wheelchair. For those who don't want a lifetime subscription to "settle-for-less", there is an alternative.
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Excellent!
- By Iray007 on 09-22-15
By: MJ DeMarco
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The 1-Page Marketing Plan
- Get New Customers, Make More Money, And Stand Out From The Crowd
- By: Allan Dib
- Narrated by: Joel Richards
- Length: 6 hrs and 31 mins
- Unabridged
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To build a successful business, you need to stop doing random acts of marketing and start following a reliable plan for rapid business growth. Traditionally, creating a marketing plan has been a difficult and time-consuming process, which is why it often doesn’t get done.
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You Need to buy Book to get key info
- By Rosie's mom on 10-23-18
By: Allan Dib
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One Million Followers, Updated Edition
- How I Built a Massive Social Following in 30 Days
- By: Brendan Kane
- Narrated by: Brendan Kane
- Length: 7 hrs and 50 mins
- Unabridged
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In One Million Followers, Kane will teach you how to gain an authentic, dedicated, and diverse online following from scratch; create personal, unique, and valuable content that will engage your core audience; and build a multimedia brand through platforms like Facebook, Instagram, YouTube, Snapchat, and LinkedIn.
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A Very Poor Read
- By Anthony Butler on 04-14-21
By: Brendan Kane
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The Price We Pay
- What Broke American Health Care - and How to Fix It
- By: Marty Makary MD
- Narrated by: Marty Makary MD
- Length: 9 hrs and 29 mins
- Unabridged
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One in five Americans now has medical debt in collections and rising health care costs today threaten every small business in America. Dr Makary, one of the nation's leading health care experts, travels across America and details why health care has become a bubble. Drawing from on-the-ground stories, his research and his own experience, The Price We Pay paints a vivid picture of price-gouging, middlemen and a series of elusive money games in need of a serious shake-up.
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Very important book!
- By Wayne on 05-17-21
By: Marty Makary MD
What listeners say about Personal Finance for Teens & Young Adults
Average customer ratingsReviews - Please select the tabs below to change the source of reviews.
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- Denise
- 08-21-23
Exceptional
Personal Finance for Teens & Young Adults is an exceptional audiobook that delivers crucial life skills often overlooked in classrooms. The content is masterfully organized, turning complex financial concepts into easily understandable lessons. Real-life examples and practical strategies provide relevance, ensuring that listeners can confidently apply the knowledge to their own situations.The narrator's engaging voice makes learning a pleasure, catering to both novices and those with some financial understanding. What truly sets this audiobook apart is its focus on life skills beyond numbers – it cultivates responsibility and empowerment when it comes to managing finances. It's an invaluable guide that every young adult should have to build a strong financial foundation.
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- Ashley Velthouse
- 08-11-23
Highly informative and easy to understand!
If you are looking to learn more about finance and how you can use it to improve your life and your future, this is the book to read! CJ Douglas goes into great detail about how to make the most of your bank, pay check, and financial future! This book contains a ton of great advice and has a lot of practical examples that anybody, not just teens can use.
The narrator also did a great job keeping me engaged and was very easy to listen to. Great book!
Definitely recommend!
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- Isabel Mills
- 08-22-23
Value Information
The narration is clear, engaging, and easy to follow. The narrator's tone strikes a balance between being informative and relatable, which is essential for the target audience of teens and young adults. The pace is consistent, allowing listeners to absorb the information at their own rate without feeling rushed.
This audiobook equips its audience with practical knowledge, enabling them to make informed decisions about money from an early age. By emphasizing budgeting, banking, and essential money management, the audiobook empowers young listeners to navigate financial challenges confidently. The inclusion of real-life examples and scenarios further enhances the relevancy of the content.
"Personal Finance for Teens & Young Adults: Life Skills Not Taught in the Classroom" I highly recommended the audiobook for its informative content, approachable delivery, and relevance to its target audience. It lays a strong foundation for teens and young adults seeking financial independence and success.
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- Grace
- 08-21-23
AN EDUCATIONAL RESOURCE!
This audiobook is worth listening to, especially for young people interested in handling their money, this book clearly explains all the strategies for saving money. I hope it will be very helpful for the youth as it will play a role in achieving their goals. I personally learned a lot from this book and recommend it to everyone out there.
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- Donesa
- 08-30-23
Financial Freedom
Tremendous resource for young people tp understand finances. From choosing the right checking account to understanding budgeting, the author has done a fabulous job of making it all applicable. Very well written and so in depth, even including how to manage credit cards and cash apps.
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- Nancy N.
- 08-22-23
A nice resource to teach your teenager about finances
I have a teenager and to me is very important to teach her how to use money wisely, so I got this audiobook. The book covers so many important topics. For example, budgeting strategies that are very practical and easy to implement, I liked that she provides the pros and cons of each strategy and recommends some apps for budgeting. This information will be very easy for my daughter to understand and choose what works for her. After listening to this audiobook I feel more prepared to teach my daughter how to have better finances.
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- Kris & Danelle Land
- 08-24-23
Finance Unleashed: Beyond Classroom
"Personal Finance for Teens & Young Adults" is a refreshing departure from standard education. This audiobook shatters the myth that traditional schooling prepares us for financial success. With eye-opening statistics and a no-nonsense approach, it's a wakeup call for anyone looking to thrive financially.
The author nails the core issue: herd mentality. This audiobook encourages young adults to break away from the norm, to not settle for a standard life. It's a guide that navigates through practical tips and strategies that most schools overlook, like the difference between being rich and being wealthy.
One of the standout features is its focus on the psychology of money. It delves into the traps people fall into, including the wealthy, and how to avoid them. The insights on inflation are invaluable, a topic often glanced over in traditional financial education.
"Personal Finance for Teens & Young Adults" offers a rare blend of wisdom and actionable steps. It's a financial education that goes beyond the classroom, equipping listeners with the knowledge and mindset needed to navigate a world where true financial independence is more than just a dream.
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- WilmoreDee
- 08-31-23
Teach your kids to be financially independent
This book starts out with a bang of showing that a mere 10% of the population commands the nearly 70% of the country's wealth. That's crazy! I like that this author takes a different approach compared to other books I have read because this author brings in the education system. The author reviews how our education system might not fully prepare us to navigate the world of finance. This is no fault of the teachers themselves but more of looking at the curriculums to see what is truly important. Pretty sure I have not once used my knowledge on covalent bonds in my adult life but managing my money and learning to make good choices, that was never reviewed.
The book breaks down herd mentality, the drive to conform and adhere to what's "standard". The author compares those who settle for the norm and those who choose to diverge from the crowd. Most of these books are pretty standard in just teaching kids how to manage money but with this book is teaching them how to step up and make significant changes that will help provide them with the life they want.
I love that the book offers tangible solutions and helps to bridge the gap between basic financial advice and the nuanced strategies that can be truly set your course with a trajectory of success.
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- Janet Garcia
- 08-11-23
Great intro to investing and finance
For those young adults looking to get started in the world of investing, this audiobook is an excellent starting point. It explains the basics of stocks, bonds, mutual funds, and other investment instruments in simple language that makes it easier to understand. Readers will also get tips on how to manage their investments and stay informed about the latest market trends. This audiobook is an invaluable guide for any aspiring investor. Highly recommended!
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- FitFreak
- 08-30-23
Take Control of Your Finances and Save
Personal Finance for Teens & Young Adults is an essential tool that every young adult should have as they start their financial journey. This book offers valuable life skills that aren't taught in the classroom, including banking basics, budgeting, and money management. Inside, you'll discover the difference between being rich and being wealthy, and the five habits you need to build a solid foundation of wealth, even if you're just nineteen. With a simple formula, you'll learn how to double your money with just a few minutes of mental math. Plus, you'll also learn about the two financial traps that even rich people fall for, and how to avoid them altogether. Additionally, this book explains how inflation can impact your savings and the importance of staying ahead of the curve. Lastly, you'll find tips for picking a savings account that suits your needs. Overall, Personal Finance for Teens & Young Adults is a must-read for anyone looking to take control of their financial future.
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