The Six-Day Financial Makeover: Transform Your Financial Life in Less Than a Week! - Hardcover

Pagliarini, Robert

4.51

67 ratings by Goodreads

9780312353629: The Six-Day Financial Makeover: Transform Your Financial Life in Less Than a Week!

Hardcover

ISBN 10: 0312353626 ISBN 13: 9780312353629

Publisher: St. Martin's Press, 2006

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This isn’t your father’s personal finance book. The way we currently save and invest is confusing, frustrating, and quite simply doesn’t work. Get ready for a personal finance book that is actually unique. Get ready for financial strategies that you’ve never seen or heard before. Get ready to transform your financial life in less than a week!

Robert Pagliarini has taken budgeting, investing, insurance, and retirement planning—subjects that most of us find stressful and overwhelmingly complex—and made it approachable and even manageable through his unsinkable optimism and relentless simplification process. He says, “We’re going to take the pie-in-the-sky theories and turn them into bite-size pieces that you can and will be able to implement in your life immediately.”

THE SIX DAY FINANCIAL MAKEOVER does a lot of things really well, but I’ll just tell you about three. First and foremost it actually provides advice—yes, real advice. Not wishy-washy “maybe you should do this” or “it all depends on your situation” nonsense (what Robert calls “financial fog”). Second, it has an action bias. No, not really a bias, more like a mantra. Implement, implement, implement is the theme in every chapter and on every page (there’s even a patent-pending free website at "Six Day Financial Makeover" readers can use to help them take the advice they read and incorporate it into their lives). Three, it is full of brand-new, never seen before financial shortcuts and strategies such as:

   Why your seven year old is a better investor than you are. Kids intuitively understand how to save and invest better than most adults. The trick is focus and creating separate physical accounts for the myriad goals we have.

   There is no “right” way to invest. What’s crucial is that people determine their investment personality – particularly how involved they want to be with investing – and let that be their guide. Disregarding one’s investment personality and pursuing an approach that’s not compatible with it is a recipe for disaster.
    Why you shouldn’t work for a paycheck. Most of us work to earn a paycheck, right? Well that’s the wrong way to think about work. Once we can align our life’s vision and deepest goals to our income, we start to see our purpose for waking up each morning entirely differently. Work is no longer work—it becomes a catalyst that helps us achieve our goals.

   The most important thing you should save for (and it’s not retirement!). What’s more important and more satisfying than retirement? Financial independence. Discover how many days your passive income could support your lifestyle (if your score is less than 31, don’t quit your day job).

   The more information and choices you have, the worse your finances will be. There are more financial books, magazines, journals, newspapers, radio shows, TV shows, web sites, Podcasts, and free information available today, yet most of us still feel completely overwhelmed, confused, and frustrated than before. The solution is to cut through the fluff and focus on what really works.

   Budgets don’t work. Instead, Robert offers a ten step process for taking control of one’s cash flow. While there is careful assessment and prioritization involved, budgets are nowhere in sight.

    If it’s not possible to save for a child’s education and for retirement, save for retirement first. While retirement may be farther off in the future, if people don’t save today, they’ll have no options tomorrow – whereas college students have financial aid, scholarships, and student loans at their disposal.

    And a whole lot more...

Offering clear, practical, no-nonsense advice along with all the tools needed to implement it, THE SIX-DAY FINANCIAL MAKEOVER is a comprehensive guide that delivers on Robert’s promise to revolutionize the way you think about and invest your money.

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About the Author:

ROBERT PAGLIARINI is a Certified Financial Planner and holds a master's degree in Financial Services. He is an expert in many areas of personal finance, with a particular emphasis in helping others define their vision and discover their goals, align their resources with what's most important to them, invest using a unique goal-oriented strategy, protect assets, and prevent financial disasters. Raised in a poor family by a single mother of five, Robert was inspired to pursue a career in financial planning to help women and ordinary families experience a greater sense of security and financial independence. Robert has been interviewed by CNN, The Wall Street Journal, Newsweek, Money Magazine, the Associated Press, the Los Angeles Times, Woman's Day, and NPR's Marketplace, among other national media. He lives in Orange County, California with his family.

Chapter One
Do You Need a Financial Makeover?

Do you want more from life? Are you working harder and putting in longer hours but don't feel financially secure or satisfied with your progress? Many of us are making more money but we still don't feel that we've made it. What do you think about when you're alone? When the phones aren't ringing and the television is off, what occupies your thoughts? What questions or concerns do you have just before falling asleep at night? In those quiet moments when you are able to reflect, are you satisfied with your financial situation or do you yearn for more?

Regardless of your present situation, you can achieve the life you've always dreamed of. It doesn't matter who you are or where you live. It doesn't matter if you had a privileged childhood of abundance or one of hardship and scarcity. With this book, you can improve your life and chart your own destiny in six short days.

This chapter is your wake-up call. Do you feel that you are maximizing your potential? Do you feel that you are living the life that you've always wanted? If you are financially frustrated, insecure, or just plain scared, you can feel financially secure and realize all of your dreams with a financial makeover.

Should I read this chapter?

                                                                                                True     False

1.         I thought I would have a more fulfilled life
than I do right now.

2.         I think making money is the most important
goal to have.

3.         I don't know what it would take to have a
balanced life.

4.         I don't know why financial independence is a
worthwhile goal.

5.         I'd like to learn about the incredible opportunity I
have to improve my finances and my life through
a financial makeover.

If you answered any of these questions TRUE, you should read this chapter.

What Is a Financial Makeover?

Maybe you're not sure what to expect from a financial makeover. That's fair. It's good to be a little skeptical. If you're familiar with fashion makeover, you know the successful ones don't stop with a facial or a new wardrobe. Successful makeovers require a total transformation--from head to toe and inside and out. Likewise, your financial makeover won't stop with just a budget or an investment plan. Your financial transformation will include all of the critical areas of your financial life--creating a spending and savings plan, protecting assets, investing wisely, risk management, insurance, estate planning, and much, much more.

Over the next six days, your financial makeover will strip away everything that is not working--maybe you're spending too much, sabotaging your own success, taking too much risk, not investing wisely, or leaving yourself and your loved ones financially exposed--and replace it with a solid foundation from which you can immediately start to see success and feel a sense of confidence. Your financial makeover will also maximize what you're already doing well. If you have powerful and inspiring goals, are saving diligently, and investing well, your Six-Day Financial Makeover will help you maximize and optimize your strengths.

I will walk with you, step by step, throughout the six-day transformation. Together we will turn the complexities of budgeting, investing, insurance, and estate planning into something understandable and practical. We're going to take the "pie-in-the-sky" theories and turn them into bite-sized pieces that you can implement in your life immediately.

Copyright � 2006 by Robert Pagliarini. All rights reserved.

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