Personal Finance QuickStart Guide

Rochard, Morgen. Personal Finance QuickStart Guide: the Simplified Beginner’s Guide to Eliminating Financial Stress, Building Wealth, and Achieving Financial Freedom. ClydeBank Media, 2020.

Reason read: as a member of the Early Review program for LibraryThing, I was chosen to receive this e-book in exchange for an honest review.

Honestly, from the moment I downloaded this book I was rubbed the wrong way. I am not a big fan of “gotcha” moments. The first thing I was confronted with when starting to read Personal Finance QuickStart Guide was the words “Free Digital Assets” followed by “must be a first time Audible user; $15/mo. easy cancel anytime.” I read that to mean there was free content available to the reader, but said reader had to sign up for Audible (new subscribers only!) and a credit card would automatically be charged $15 every month unless one remembered to cancel the subscription in time. And! And. And, when they have to say “easy” cancel anytime, I’m thinking maybe it’s not all that easy. So. There’s that. Back to the review:

Rochard organized Personal Finance into two parts: Part 1 is an attempt to jump start personal finance improvement and learn how to navigate the financial world so that investment options become easier to understand. Part 2 is to confront financial problems and overcome them with confidence.
To fully review this book I had wanted to put into practice all of the advice and suggestions Rochard put out there – just to say what worked and what didn’t. I didn’t have time. For the most part, it all seemed like common sense. For example, take the very first scenario in the book: if you are going to drop down to one income and not change your expenses, you most definitely are headed for disaster. I did take note of the resources Rochard cited and do plan to read them for further information. [As an aside, when I lost my job for five months in the early stages of Covid my husband and I immediately suspended some luxuries, looked into every cost saving measure we could; even considered making hard decisions about retirement plans. It seemed like the right thing to do. Actually, it was the only thing to do at the time.]


Chocolate for Cheaper

“Chocolate for cheaper” is what my husband sang when we drove away from just making a huge deal. We were both happy, giddy even, to have found exactly what we were looking for – for less. Don’t you just love a bargain and the way it makes you feel when you score one?
Let me put the reverse lights on – several weeks ago we went on a hunt to find furniture. We couldn’t remember exact colors so we played it safe and just searched for style. What we would like to sit on, lay on, jump on, make out on, even sulk behind if need be. Some style that would fit our lifestyle. After a full several days of sitting, laying, testing, and deciding we thought we knew what we liked. Finally we moved in and could decide on color as well: chocolate. Something rich, something dark. Everything was coming together until we visited Rayless and Flan-again. We liked the sales woman. I will say that. Donny and Marie couldn’t have been more helpful. She bent over backwards to help us…until the manager stepped in. “Can’t get that style in that color. Never mind what the tag says. It’s another $100 to get that color. It’s brown sugar or nothing. The brown sugar is the only thing on sale. Get it in another color and you pay full price in addition to changing the color and that’s another $100, remember?  No ifs ands or buts. That is it.” With heads hanging low and exhaustion nipping at our heels, we took the defeated road home.
Three days later Kisa says to me, “I think I solved our problems. Get in the truck.” So, off to LazyGirl we went. As soon as we were in the door we asked, “Do you have this style? In this color? For this price?” Yes. Yes. Follow me. No. Cheaper. Weaving through the aisles of couches and recliners we stopped short. Made the sales woman turn around. “What? What do you mean cheaper?” When she was done explaining we exclaimed, “that’s $700 cheaper than Rayless!” We know, she said with a smile. Are you still interested?

Like children playing hooky from school we ordered the furniture. Feeling like we got away with something we signed on the dotted line before the numbers could change. We hurried through the paperwork thinking it was too good to be true. We waited for the admittance We Made a Mistake. None came.

“We got chocolate for cheaper. We got chocolate for cheaper!” my husband sang as we drove home. Yes, we did.