Financial Adulting: Everything You Need to Be a Financially Confident and Conscious AdultHardcover (2024)

Financial Adulting: Everything You Need to Be a Financially Confident and Conscious AdultHardcover (1)

Availability:

in stock, ready to be shipped

Save 8%

Original price $25.00

Original price $25.00 - Original price $25.00

Original price $25.00

Current price $22.99

$22.99 - $22.99

Current price $22.99

| /

  • Description
  • Product Details
  • About the Author
  • What People are Saying
  • Table of Contents

Description

Perfect for anyone seeking to get a firm handle on their personal finances, Financial Adulting is a must-have resource that demystifies and simplifies complex topics and makes understanding personal finance fun

From the founder of The Fiscal Femme, a popular feminist money platform, and author of The 30-Day Money Cleanse, Ashley Feinstein Gerstley's Financial Adulting: Everything You Need to be a Financially Confident and Conscious Adult delivers an easy-to-follow, informative, and fun financial guide. From budgeting and consumer activism to retirement investing and paying down debt, you'll learn everything you need to know and do to be a financially savvy adult.

In this important book, you'll:

  • Master fundamental concepts, including dealing with student loans, maximizing your 401(k), and preparing for salary negotiations
  • Use a racial and feminist justice lens to tackle rarely discussed topics in money and equity and better understand deep-seated historic and systemic obstacles
  • Recognize that your circ*mstances, goals, and values are unique and require a custom approach in order to succeed financially
  • Receive a simple step-by-step guide to reaching your financial goals while living a big, exciting, and meaningful life

Product Details

ISBN-13: 9781119817307

Media Type: Hardcover

Publisher: Wiley

Publication Date: 03-02-2022

Pages: 320

Product Dimensions: 6.10(w) x 9.20(h) x 1.20(d)

About the Author

ASHLEY FEINSTEIN GERSTLEY is an author, speaker, and personal finance expert. In 2012, she created The Fiscal Femme, a feminist money platform on a mission to end inequality through financial well-being, and has helped thousands of people feel financially confident, achieve major financial goals, and destress their relationships with money.

What People are Saying

What People are Saying About This

From the Publisher

"Financial Adulting is the step-by-step guide we all wish we had when we graduated college. Although most of us start "financial adulting" much later, wherever you are in your journey, Ashley provides the perfect toolkit for uncovering a lifelong financial planning strategy while also investing in a more equitable world."
Farnoosh Torabi, host of the So Money podcast and author of When She Makes More

In Financial Adulting, Ashley provides an engaging and inclusive path towards becoming a money savvy grownup. She also brings in rarely-talked-about lessons from history and ways we can better align our spending with our values."
Erin Lowry, author of the BROKE MILLENNIAL series

"A must-read! Ashley covers the important and often complex financial topics in a way that even a reader with no financial background can understand."
Tiffany Aliche, New York Times Bestselling Author of Get Good with Money

"Most of us didn't learn about money in school. Financial Adulting is a crash course on what women really need to know to be the boss of their financial lives. This book perfectly pairs the “why” behind important money moves and the “how” with helpful exercises, so you can get. it. done."
Elyse Steinhaus, head of financial content at theSkimm

"Financial Adulting is a must-read for anyone who wants to build their financial foundation while also making the world a better place. Ashley demystifies even the most complex topics and provides critical context on some of the big problems with our financial systems. She gives readers an action plan for each area of their finances and a recipe to maintain their financial prowess going forward."
Stacey Tisdale, CEO of Mind Money Media Inc. and author of The True Cost of Happiness

"Financial Adulting is the most comprehensive, real-world guide out there to master your financial life. No more pretending everyone starts from the same place or has equal opportunity—Ashley breaks down all the ways our financial system advantages some and disadvantages others, and she does it with empathy and humor. This book will make you angry about how unfair our system is, but also give you the confidence to navigate that system like a pro, no matter your starting point."
Tanja Hester, author of Wallet Activism and Work Optional

Show More

Table of Contents

Table of Contents

Preface ix

1 What Is a Financial Adult? 1

2 Equity and Personal Finance 11

3 Your Money Goals 27

4 All About Income 41

5 Your Money Outflows 57

6 Consumer Activism 81

7 Work Optional (a.k.a. Retirement) 95

8 Become an Investor for Good 125

9 Buying a Home 155

10 Insurance 179

11 Tax Basics and Estate Planning 205

12 Your Credit Score 223

13 All About Debt 237

14 Become Your Own Money Coach 261

Notes 281

Acknowledgments 291

About The Author 295

Index 297

Show More

Financial Adulting: Everything You Need to Be a Financially Confident and Conscious AdultHardcover (2024)

FAQs

How do I prepare for adulthood financially? ›

  1. Pay With Cash, Not Credit.
  2. Educate Yourself.
  3. Learn To Budget.
  4. Start an Emergency Fund.
  5. Save for Retirement Now.
  6. Monitor Your Taxes.
  7. Guard Your Health.
  8. Protect Your Wealth.

What can you do financially at 18? ›

Financial Tips for When You Turn 18
  1. Open checking and savings accounts. ...
  2. Create a budget and stick to it. ...
  3. Test out future job possibilities. ...
  4. Start building credit. ...
  5. Open an IRA and start saving for retirement. ...
  6. Start investing. ...
  7. Join and stick with a credit union instead of a bank.

How can I help myself financially? ›

These 8 simple steps can help better your finances in less than a...
  1. Start an emergency fund. Time to open a savings account: 15 minutes. ...
  2. Use a budgeting app. ...
  3. Check your credit score. ...
  4. Set goals. ...
  5. Automate your savings. ...
  6. Contribute to your retirement account. ...
  7. Start using your credit card like a debit card. ...
  8. Begin investing.

How can I be financially stable in my 20s? ›

Financial moves to make in your 20s
  1. Develop good budgeting habits. ...
  2. Pay down debt. ...
  3. Automate your savings. ...
  4. Build good credit. ...
  5. Start saving for retirement. ...
  6. Make sure you and your loved ones are covered financially. ...
  7. Work toward owning your home.

What is the best age to be financially stable? ›

That said, the typical age of financial independence should be between 20-23 years old, according to a Bankrate survey. Break the numbers down by cost category, and differences of opinion can be pretty wide.

How do I turn my life around financially? ›

Browse through each to determine if there's room for improvement or if you are good to go:
  1. Get your overspending under control. ...
  2. Create a new budget. ...
  3. Find a budgeting app you like. ...
  4. Make a will. ...
  5. Protect your savings from inflation. ...
  6. Prepare for rising interest rates. ...
  7. Prepare now for your next major life event.

What are financial goals in your 20s? ›

Financial goals in your 20s often include building an emergency fund, paying off high-interest debt, and let's not forget about saving for retirement. While you probably want to be able to see the show when your favorite band comes to town, think twice. You shouldn't spend at the expense of your future.

How can I be financially stable at 17? ›

  1. Get Good Grades. Before you begin doing anything else, you need to make sure that you have good grades. ...
  2. Develop Good Habits. You might be thinking, what do habits have to do with setting me up for financial independence? ...
  3. Get a Job. ...
  4. Budget. ...
  5. Track Expenses. ...
  6. Treat Saving Like an Expense. ...
  7. Start an Emergency Fund. ...
  8. Invest.
Feb 8, 2023

What are the 5 areas of personal finance? ›

As shown below, the main areas of personal finance are income, spending, saving, investing, and protection.

Why am I struggling financially? ›

It may be that you have too much credit card debt, not enough income, or you overspend on unnecessary purchases when you feel stressed or anxious. Or perhaps, it's a combination of problems. Make a separate plan for each one.

What is the best financial advice? ›

Try the 50/30/20 budgeting rule

A money management tip is following the 50/30/20 rule, which includes: 50% of your income goes toward essentials such as housing, food, transportation and utilities. 30% of your income goes toward your wants, such as entertainment and travel.

What is the 50 30 20 rule? ›

The 50-30-20 rule recommends putting 50% of your money toward needs, 30% toward wants, and 20% toward savings. The savings category also includes money you will need to realize your future goals. Let's take a closer look at each category.

How much money should an adult have saved? ›

It's generally advised to save three to six months' worth of expenses in an emergency fund. With our example, your emergency fund should ideally be $15,000 to $30,000. It's best to keep your emergency savings in a liquid account so you can access them quickly and without penalty when you need them.

Where should I be financially at 25? ›

By age 25, you should aim to have an emergency fund of 3-6 months of living expenses, and start regularly contributing to retirement savings to take advantage of compound interest over time, even if it's just small amounts.

Where should I be financially at 30? ›

By age 30, people should aim to eliminate as much debt as possible, whether it be from credit cards, student loans, or car loans. Focus on paying off the high-interest debt first, then work your way through. Negotiate your bills. Look at your current bills and see which ones you could negotiate.

Top Articles
Latest Posts
Article information

Author: Wyatt Volkman LLD

Last Updated:

Views: 6189

Rating: 4.6 / 5 (66 voted)

Reviews: 89% of readers found this page helpful

Author information

Name: Wyatt Volkman LLD

Birthday: 1992-02-16

Address: Suite 851 78549 Lubowitz Well, Wardside, TX 98080-8615

Phone: +67618977178100

Job: Manufacturing Director

Hobby: Running, Mountaineering, Inline skating, Writing, Baton twirling, Computer programming, Stone skipping

Introduction: My name is Wyatt Volkman LLD, I am a handsome, rich, comfortable, lively, zealous, graceful, gifted person who loves writing and wants to share my knowledge and understanding with you.