The Choice Is Yours Audiobook By Robert Newkirk cover art

The Choice Is Yours

Introducing the Credit Choice and the Personal Finance Choice for Teens & Young Adults

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The Choice Is Yours

By: Robert Newkirk
Narrated by: Robert F. Newkirk Jr.
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About this listen

MAKE A CHOICE! Build Wealth Without Worry & Secure Your Financial Future Without Sacrificing Fun: Perfect for Ages 15-28!

Why does money seems to slip through your fingers no matter how much you earn? What if you could transform your relationship with money, challenge the norms of consumer culture, and build a future where financial freedom is the ultimate status symbol?

Why weren't you taught basic financial skills in school, leaving you ill-equipped to handle real-world money matters? Imagine gaining the skills and tools you need to thrive financially, breaking free from the cycle of financial illiteracy. Ready to rewrite your financial future?

Myth #1: More Credit Cards Mean More Freedom – Break free from the illusion that a wallet full of credit cards equals financial freedom. Unravel the truth and discover the power of strategic spending over a plastic parade.

Myth #2: Student Loans are 'Good Debt' – Challenge the belief that drowning in student loans is the only way to invest in your future. Picture a life where education doesn't come with a lifelong debt sentence – it's time to redefine the true cost of knowledge.

Demystify capitalism: Gain insights into how young adults can actively participate in and benefit from the economic system around them.

Navigate the complexities of capitalism with confidence, understanding how to leverage consumerism to your advantage without falling prey to its pitfalls. Break free from the shackles of consumerism and materialism!

"I don't have time to learn about personal finance." - Busy schedules & competing priorities often lead individuals to believe they lack the time to dedicate to learning about personal finance, dismissing it as a low-priority concern.- "I'm not good with numbers or math, so personal finance isn't for me."

If you want to take control of your financial future and thrive in a world dominated by capitalism, consumerism, and financial illiteracy, Scroll up and Click the "Add to Cart" button now!

©2024 Vatin Johari LLC (P)2024 Vatin Johari LLC Health, Lifestyle & Relationships Life Skills Inspiring Loan
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Captivating Style • Practical Real-world Solutions • Vivid Metaphors • Informative Resource • Engaging Narration
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I had the pleasure of listening to the audiobook, and honestly, I was blown away by how engaging and informative it was. Robert has a knack for explaining even the most complex financial concepts in a way that's super easy to understand. It's like having a conversation with a friend who actually knows what they're talking about.

This book covers everything from building good credit and choosing the right credit card to avoiding debt, saving money, and even investing for the future. As someone who learned about personal finance the hard way, I wish I had access to a resource like this when I was younger.

What really sets this book apart is how entertaining it is. Robert keeps things interesting with real-life examples and relatable stories. It never felt dry or like a lecture, which is a huge plus when it comes to learning about personal finance.

Honestly, I think this book should be required reading for every teenager (and tbh a lot of adults could benefit from this as well). It's an invaluable resource that empowers young people to take control of their financial future. Five stars ⭐️⭐️⭐️⭐️⭐️

Entertaining, informative, and easy to understand

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These 2 books are a concise and digestible way to learn something they should really be teaching us in school. I feel like I'm given concrete steps that I can actually follow so I can balance planning for an uncertain future with enjoying my life now. I feel truly empowered after reading this

advice I can actually follow

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Robert Newkirk’s The Choice is Yours is like a crash course in money smarts everyone should have had in school. It’s packed with real-world advice and simple steps that actually work—perfect for balancing your future goals with living your best life right now.

Whether you’re a teen just figuring out the value of a dollar or a parent looking for a way to kickstart money talks at home, this book delivers. And it’s not just for the younger crowd—if you’ve made some financial missteps (haven’t we all?), it’s a game-changer for getting back on track.

This is the kind of book you gift, keep on your shelf, and recommend to everyone you know. Trust me, it’s the ultimate guide for thriving in today’s crazy economy. Get it, read it, thank me later!

Money Smarts for the Win!!

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Listener received this title free

This is CRITICAL information, especially post-2020. At first, I struggled with who this book was for - is it young people or their parents? Then I realized that it's really for both. This is information that young people need as well as a perspective that parents need to have. It is accessible and really looks at the money challenges of today, giving young people a solid understanding of how we got here and what's driving the current environment. But then it is step by step solutions to addressing financial health - from credit cards to higher education decisions to buying a house to creating generational wealth.

Millennials and Gen Z are in a drastically different situation than the generations before them. From the cost of housing and college to the onslaught of purchase pressure from social media algorithms and targeting ads. I know it's a consideration I didn't make. But this book recognizes this important change in climate and provides real, practical advice on how to navigate through it to still achieve financial health and wealth. From understanding how to select a credit card and how to use it to understanding what is a part of the home purchase process, this is real, detailed financial literacy that is definitely overlooked in most schools. This will be my high school and college-age gift because they need to know all of what's covered in this book.

A Book for Every Teen & Young Adult Family

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Listener received this title free

This is a complete guide with very impressive insights on finances. This book would have my life easier by saving me time and money.

A solid foundation for serious young adults who want to excel in finances.

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Listener received this title free

As a former economics teacher who had to squeeze in personal finance into the 2-3 days we had allotted for it, I truly appreciate how clearly and thoroughly Robert addresses these topics. This book would have been a great help for teenage me, as my parents didn't really teach us anything explicitly about money or credit. If I had this tool in my toolbelt, I would have been much more prepared for the challenges I encountered, and I believe that's the power of a book like this. Whether youth or adult, Mr. Newkirk has written a book that would be absolutely beneficial and have a tangible impact on the reader's financial practices.

Straight to the phone, and it stays there.

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Listener received this title free

Mr Newkirk did an outstanding job ensure his information is concise and effortless to follow and understand. Plan to give his books as Christmas gifts!

Easy to understand

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Listener received this title free

How many of use resolve the charges on our card? How carefully do you protect you spending habits? Mr. Newkirk does both of these things and brings humor to his educational wealth lessons. Yes, wealth. How to preserve it. What do the wealthy do when it comes to cash and credit? I learned who created the FICO score and how to increase mine. As for the humor, well, I laughed heartily along with the narrator's take on Streaming services cost and tricks companies use by stating fees are low at "nine ninety nine". I look forward to more narrations by Mr. Newkirk in future literature.

Excellent Advice with Humor and Examples

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I wish I had this advice when I first went off to college. Very straightforward advice for those starting out with their finances. It makes a great graduation gift for all HS graduates!

Excellent advice for young adults

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Listener received this title free

Mr Newkirk covers a wide range of topics that Generation Z and Millennials need to be aware of. Many of which are helpful for those outside of those age ranges as well. Getting advice on what not to do before you find yourself digging out from your mistakes is extremely valuable in the decision process of life. The delivery and story telling mode makes this a joy to experience.

Current and Comprehensive

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