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.]