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Rachel Richards
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Money Honey: A Simple 7-Step Guide for Getting Your Financial $hit Together Kindle Edition

by Rachel Richards (Author), Paula Pant (Foreword) Format: Kindle Edition
4.6 4.6 out of 5 stars 1,738 ratings
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**UPDATED SEPTEMBER 2020, now including a foreword by Paula Pant of Afford Anything!**

Adulting is hard, especially when it comes to money management… but it doesn’t have to be.

What if one book could dramatically change the way you think about money? What if you could finally do the things you know you should be doing but haven’t yet, like creating a budget, paying down debt, and investing in the stock market? What if you could finally learn about finance without your eyes glazing over?

In Money Honey: A Simple 7-Step Guide for Getting Your Financial $hit Together, bestselling author and former financial advisor Rachel Richards achieves the impossible by bringing humor and sass to the dreaded subject of personal finance. An avid investor and business owner, Rachel talks straight about how to attain financial freedom.

You’ll find no shortage of valuable nuggets in this tough-love guide that will teach you how to:

  • Double your income and halve your expenses
  • Consolidate your student loans and lower your interest rate
  • Get a bombproof credit score
  • Open a brokerage account and make a trade so that you can start investing in the stock market
  • Allocate your money between debt payoff, short-term savings, and retirement
  • …and lots more!

You will also learn:

  • Rachel’s 7-step process for getting your financial $hit together
  • The 4-Bucket Savings Strategy
  • The answers to 12 of the most commonly-asked finance questions
  • The 4 Golden Rules for Investing

PLUS, you’ll also get free instant access to Rachel’s budgeting and net worth worksheets to boost your money management efforts.

Applicable in 2020 and beyond, Money Honey is perfect for beginners. Get this book as a birthday gift, Christmas present, or graduation gift for the struggling millennial or young adult in your life… or better yet, treat yourself!

If you’re ready to whip your finances into shape and have fun while doing so, this book is for you.

So take the next step in your journey to financial freedom by clicking the “Buy Now” button at the top of the page!

Previous page
  1. Print length
    198 pages
  2. Language
    English
  3. Sticky notes
    On Kindle Scribe
  4. Publication date
    September 8, 2017
  5. File size
    8549 KB
  6. Page Flip
    Enabled
  7. Word Wise
    Enabled
  8. Enhanced typesetting
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  9. See all details
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  1. Bucket #1 is Emergency Savings. Bucket #2 is Medium-Term Savings: one year or less. Bucket #3 is Long-Term Savings: greater than one year but before retirement. Bucket #4 is Retirement Savings.
    Highlighted by 438 Kindle readers
  2. Bottom line: when you are comparing interest rates offered by different banks, you always want to compare the APY since it accounts for differing compounding schedules.
    Highlighted by 417 Kindle readers
  3. Get started right now by listing out ten specific ways you can make more and ten specific ways you can spend less. Circle your favorite two in each category and get on it.
    Highlighted by 388 Kindle readers
  4. “The Motley Fool Investment Guide for Teens: 8 Steps to Having More Than Your Parents Ever Dreamed Of.”
    Highlighted by 164 Kindle readers
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Editorial Reviews

Review

"[Rachel's] words about money sound like text messages from your funniest friend. Read this book. Send a copy to your BFF. Learn how to get your financial $hit together." -Paula Pant, Afford Anything podcast"

I love the book! I'm a fledgling when it comes to budgeting/investing, and I have been overwhelmed when it came to choosing between a Roth/regular IRA, Mutual vs Index funds, etc. [This] book is *super* easy to read, helpful, and I will be buying probably 3-4 copies, so I can pass it out to friends. I'm 28 and have been stressing about not having a Roth set up/not having stocks/etc., but I didn't know where to start. This book has been awesome to read as someone who needs help AND as an editor. You're concise, to the point, don't waste time with extra, all the while touching on the main topics and being inclusive. I can't tell you how incredibly uncommon it is in a book. This has been a complete breath of fresh air. If I could buy you a whiskey sour, I would." -Kate Ruth Johnson, Entangled Publishing

"Making finance enjoyable and entertaining is quite the task and this book does just that!" -Christopher Gowers, CFP

"Most of us were taught to avoid, fear, or even hate money, but we certainly weren't taught to understand it, make it our friend, and get so comfortable with it we can laugh about it! How I wish I'd had Money Honey in my 20s and 30s so I'd have known, in plain, simple, and understandable terms, the what, the when, and the why. Invest your most precious asset (your time) to read this book about money now, and you'll end up with more of both forever." -Holly Alexander, Author of The Magic Money Book Series

"PARENTS, urge your children to read this before it is too late." -Ali"

Do you ever wish you had a reference guide that explained money in a way you could actually understand it? Not just "have an emergency fund" or "here are the different types of mortgages" (although those are important), but a book you could pull off your shelf when you were ready to (a) learn the real deal and (b) laugh. Money Honey is. that. book. Not only does Ms. Richards break every aspect of finance down in clear, concise terms, she also will tickle the heck out of your funny bone. Get this book and get rich, over time, the smart way (all while you enjoy the process)." -Honorée Corder, Strategic Book Coach, You MUST Write a Book

About the Author

At age 27, former financial advisor Rachel Richards quit her job and retired. She now lives off $10,000+ per month in passive income.

Rachel Richards is the bestselling author of "Money Honey: A Simple 7-Step Guide for Getting Your Financial $hit Together." She is an entrepreneur, professional speaker, and investor.

In November 2019, Rachel released her new bestselling book, "Passive Income, Aggressive Retirement," where she dives deep into the topic of passive income and financial independence. She explains why building self-sustaining income streams is so brilliant (and not to mention doable for anyone and everyone). She outlines 28 different passive income models and how to start creating them.

Follow Rachel on social media!
Facebook: Money Honey Rachel
Instagram: @moneyhoneyrachel

Download Rachel's passive income starter kit at

Product details

  • ASIN ‏ : ‎ B075HGM2WG
  • Publisher ‏ : ‎ ; 2nd edition (September 8, 2017)
  • Publication date ‏ : ‎ September 8, 2017
  • Language ‏ : ‎ English
  • File size ‏ : ‎ 8549 KB
  • Text-to-Speech ‏ : ‎ Enabled
  • Screen Reader ‏ : ‎ Supported
  • Enhanced typesetting ‏ : ‎ Enabled
  • X-Ray ‏ : ‎ Enabled
  • Word Wise ‏ : ‎ Enabled
  • Sticky notes ‏ : ‎ On Kindle Scribe
  • Print length ‏ : ‎ 198 pages
  • Customer Reviews:
    4.6 4.6 out of 5 stars 1,738 ratings

About the author

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Rachel Richards

Rachel Richards

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At age 27, former financial advisor Rachel Richards quit her job and retired. She now lives off $20,000+ per month in passive income.

Rachel Richards is the bestselling author of “Money Honey: A Simple 7-Step Guide for Getting Your Financial $hit Together." She is a real estate investor and former financial advisor.

In November 2019, Rachel released her second book, "Passive Income, Aggressive Retirement," where she dives deep into the topic of passive income and financial independence. She explains why building self-sustaining income streams is so brilliant (and not to mention doable for anyone and everyone). She outlines 28 different passive income models and how to start creating them.

Follow Rachel on social media!

Facebook: Money Honey Rachel

Instagram: @moneyhoneyrachel

Tiktok: @moneyhoneyrachel

Website: www.moneyhoneyrachel.com

Download Rachel's passive income starter kit at www.moneyhoneyrachel.com/starter

Customer reviews

4.6 out of 5 stars
4.6 out of 5
1,738 global ratings
Easy, fun read, packed full of wisdom!
5 Stars
Easy, fun read, packed full of wisdom!
My husband and I have no debt other than our mortgage so I skipped ahead to the investment portion and I learned SO much! Rachel does a fantastic job defining big terms my CPA/financial advisor throws at me, and breaking down which route is better and why. I have told all of my friends and family to read this book no matter what stage of finances they may be in. This would make a great gift for high schoolers/college students as Rachel’s lingo and humor would be very relatable for them.
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Top reviews from the United States

Amazon Customer
5.0 out of 5 stars Making a change and checking it TWICE!
Reviewed in the United States on June 28, 2020
Verified Purchase
I have ordered books on Amazon and read them and never thought to go back and leave a review. However with this young lady I actually decided to go ahead and give my two cents about this book PIAR and the other book that she wrote Money Honey! Yes I have read both books and actually enjoyed reading both books. The first book Money Honey took me some time to read because it requires you to be honest with yourself and layout your life in front of you. To be honest I was already doing that however Money Honey just help me pull the loose ends together and see the clear vision of the next step which was PIAR in a nutshell! I honest think these two books should be on every woman's growth shelf.

PIAR only took me a few days to read because that is where I am in life right now generating passive income so that I can quit my job. I have a few things lined up! After reading PIAR I actually downloaded Adobe Illustrator and taught myself through YouTube how to PERFECT my logo that I created from scratch! Also I am a poet, and artist so Adobe Illustrator is perfect because I am also developing a website from scratch have been self-teaching for years now. This is only one of the few ideas listed that I will be partaking in! I mean she just address so many concerns for me that I am now confident will not be an issue moving forward! I just ordered 5 more books to get the ball rolling on a personal venture of mine so I am excited to see how I incorporate everything else I learned form these two books to my projects!

PIAR is a very detailed and well thought out read. IT comes off as honest and very sincere. There are no GIMICKS in this book no get rich quick schemes or pyramid scam either. PIAR really talks to your "Brand You" that you are trying to discover she gives it an outline or guide if you will. Helps redirect your view on what can be considered passive income for those who do not have pure talent that brings in money. Everything I read in this books screamed FACTS! I have pink sticky notes in just about every damn chapter because when I say she drops some gems I was just blown away like why haven't I thought of that!! The hell I been living under a rock!! I am not big on social media but now that I am starting my own business that will change. I did use it when I was younger so I am not foreign to it at all it will be fun to have a purpose to be on there!

I guess this is helping the growth for the first book Money Honey (no promo pay)!

I do NOT recommend buying this book if you have not read the first book! I know you may think you have left no stone unturned but that is not true! If you read the first book Money Honey and check everything off on the list, only then will this book be your next step! Rachel! Money Honey!! Luckily for me my GOLDEN number is not negative!

Thank you Rachel!!
(Please note this will be copied on the Money Honey book review as well!)
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Tobin Ehlis
5.0 out of 5 stars Fun and informative financial guide that empowers readers to take action
Reviewed in the United States on September 12, 2020
Verified Purchase
This is for the 2nd edition of Money Honey.

Money Honey is an excellent, approachable, minimal nonsense guide to helping you get your finances in order. It has introductions to basic financial concepts such as saving, taxes, and investing that should be required reading for all young adults. It also drills down into some specific examples of how to set a budget, properly save, file taxes, and deal with debt that make it a great reference for anyone struggling in those areas.

The author manages to keep the topics fun and interesting at almost every turn, which is a commendable accomplishment given the subject. It strikes an excellent balance of encouraging and empowering the reader while also pulling no punches in calling for personal responsibility. The reader is admonished to take many actions and customize the advice for their own benefit. It can get a bit dry when really hitting the nitty-gritty details of things like the bucket savings plan, filing taxes, and a real-life example of implementing the Money Honey 7-step plan.

Thankfully, the book is written in such a fashion that you can easily identify and digest the parts that are most interesting and relevant to you. If you're all-in on the Money Honey plan, then all the details are there, but if you just want an overview of any of the topics, there are handy TL;DRs at the start of each chapter that break down the key concepts. Useful for both an overview and referencing down-the-road.

There are a few rough patches in the book. In discussing investing, most of the advice is reasonable recommendations of low-cost index funds or ETFs, but multiple references are made to "buy low, sell high" which is trite and not helpful in the context of the rest of the investing advice. Since the primary focus is on low-cost funds it seems the more appropriate advice is just buy and hold. There's also an excellent discussion of getting your income to exceed your expenses so that you are effectively retired. At the same time, however, the author highly promotes government retirement funds where your money is not immediately accessible or generating any usable income. There's a big trade-off in opportunity cost here that's not acknowledged as, if a person can generate cashflow TODAY from their dollars, it may be more beneficial to them do so versus putting the money in limited fund options where they can't access it for maybe 30+ years.

I can live with these issues, though, as the book is more introductory and the author has written a separate book on Passive Income, Aggressive Retirement that is an excellent follow-on and helps open readers eyes to further details of how to live financially free.

If you're new to the whole finance/adulting world, I highly recommend this book. 
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Top reviews from other countries

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Paul
5.0 out of 5 stars Essential Reading
Reviewed in the United Kingdom on April 23, 2021
Verified Purchase
This book opened my eyes to all of the basic things that I was getting wrong. Easy and enjoyable to read, this book has completely changed and refocused my approach to personal finance.
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Michele
4.0 out of 5 stars Dovrebbero insegnare queste cose alle superiori!!
Reviewed in Italy on December 14, 2020
Verified Purchase
Il libro, anche se con 'view' americana, è super utile per strutturare le proprie finanze personali e per fare dei ragionamenti su come migliorare il proprio budget. Decisamente utile perché pragmatico per le persone normali e non per l'alta finanza, dovrebbero insegnarlo alle superiori!
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Lavi
5.0 out of 5 stars useful!
Reviewed in Canada on September 10, 2021
Verified Purchase
What I like about this book is that it's good for beginners. All points are precise, clear and simple in layman's term. Very useful information if you want to learn basic stocks investment and money management skills etc.
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R. K. M.
5.0 out of 5 stars A must read
Reviewed in Canada on June 3, 2021
Verified Purchase
A must read for financial enlightenment for all ages especially for young people. I know having past that stage a long way back. You will also enjoy the down to earth way it is written.
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Rick Harris
5.0 out of 5 stars Rock Solid Financial Advice, Rachel Hit the Money Sweet Spot
Reviewed in Canada on September 10, 2020
Verified Purchase
I love Rachel's straight forward financial advice. Rachel doesn't complicate how you should handle your money.

Use Rachel's 7-Step Guide over time, and you will get your Financial _hit together.

Rick
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