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Download Make Money, Not Excuses: Wake Up, Take Charge, and Overcome Your Financial Fears Forever Audiobook

Extended Audio Sample Make Money, Not Excuses: Wake Up, Take Charge, and Overcome Your Financial Fears Forever Audiobook, by Jean Chatzky
3 out of 53 out of 53 out of 53 out of 53 out of 5 3.00 (152 ratings) (rate this audio book) Author: Jean Chatzky Narrator: Jean Chatzky Publisher: Random House Format: Abridged Audiobook Delivery: Instant Download Audio Length: Release Date: September 2006 ISBN:
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Are You Ready to Be Rich? If you want to get rich, if you want to be wealthier than you are today, you really need to do only four things. That's right, just four things:

  • You need to make a decent living;
  • You need to spend less than you make;
  • You need to invest the money you don't spend so that it can work as hard for you as you're working for yourself; and
  • You need to protect yourself and this financial world you've built so that a disaster, big or small, doesn't take it all away from you.

Everything else is just window-dressing - the fees and how to avoid them, the advisors and how to hire them, the deals, the scams, the ins, the outs. They are all interesting. Some of them are even quite important. But until you have conquered the heart of the matter, they are all minutia.

The four cornerstones, by contrast, are the meat and potatoes of your financial life. If you do those things today, you'll start getting rich tomorrow. And once you feel set financially, you'll be able to start focusing on the truly important things in life.

Download and start listening now!

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Listener Opinions

  • 3 out of 53 out of 53 out of 53 out of 53 out of 5 Alexa | 1/17/2014

    " I read quite a few personal finance books, and only keep the best ones for my own library. This isn't the very best I've read, but it's definitely up there. Would definitely recommend. "

  • 4 out of 54 out of 54 out of 54 out of 54 out of 5 Nikki | 1/13/2014

    " I have saving intentions but find it difficult to make it work with the family. This is a great book for motivation and to discover small ways to pinch those pennies. There are good logical examples of how to cut some unnecessary spending that I could share that weren't "off the deep end". This is a good read for many different financial situations, the only criteria is some sort of income, whether large or small. I'd recommend it. "

  • 3 out of 53 out of 53 out of 53 out of 53 out of 5 Phuong | 1/3/2014

    " A lot of things I already knew, but it was good at motivating me and giving an action list. I was uncomfortable how it used the b-word. A little unnecessary. I was reading the book on the plane and some 9 year old boys kept staring at the book until I realized they were looking at the b-word on it. "

  • 4 out of 54 out of 54 out of 54 out of 54 out of 5 Karen | 1/1/2014

    " Excellent book for learning how to manage your money at any age and with as little or much as you have in your account! The "map to millions" plans in the book make it easy to see what you can do with your money! "

  • 4 out of 54 out of 54 out of 54 out of 54 out of 5 Aisha | 12/31/2013

    " wake up take charge and overcome your financial fears forever "

  • 5 out of 55 out of 55 out of 55 out of 55 out of 5 Erika | 12/25/2013

    " This book is simple and easy to understand. Through my years in my career, I couldn't save a cent. But now I know how... "

  • 1 out of 51 out of 51 out of 51 out of 51 out of 5 Fleur Gessner | 12/6/2013

    " VERY basic book. Only for the complete beginner who has never dealt with her finances. Her assumptions, e.g. 4% interest on a savings account feels terribly dated as well. "

  • 3 out of 53 out of 53 out of 53 out of 53 out of 5 Julie | 11/29/2013

    " Well, if this one doesn't get you off your butt to start saving money ... then the one by Larry Winget will. Seriously, it's a great start. Real live things you can DO, even if you're starting from negative scratch. It worked for me. "

  • 4 out of 54 out of 54 out of 54 out of 54 out of 5 Tricia | 11/17/2013

    " if oudn this to be a great reality check on why chicks spend money unnecessarily and how we can stop. i just finished this and already have used a bunch of her tips. "

  • 4 out of 54 out of 54 out of 54 out of 54 out of 5 Emily | 10/17/2013

    " Great book for women and anyone who wants to get a handle on their finances! Not as applicable for college kids living off loans, but all of the info will come in handy after I graduate. Thanks, Jean! "

  • 4 out of 54 out of 54 out of 54 out of 54 out of 5 Aileen | 4/26/2013

    " I liked the section on organizing your documents, bills and paperwork. Practical, useful advice. I went out and bought my very first electronic labeler so I can start to get organized. Course, it would have been better if I had remembered to get the batteries for the darn thing as well. Doh! "

  • 2 out of 52 out of 52 out of 52 out of 52 out of 5 Anthony Cox | 4/12/2013

    " I didn't realize that I was not the target audience when picking this finance book. Lots of generalizations about men and women, but if you can get over that, it is ok. She has lots of decent general information about finances, but doesn't really have a good plan or system to implement all of them. "

  • 5 out of 55 out of 55 out of 55 out of 55 out of 5 Heather Kovacs | 9/22/2012

    " This was great book with tons of suggestions that really work. "

  • 5 out of 55 out of 55 out of 55 out of 55 out of 5 Jill Miller | 6/13/2012

    " Liked it a lot - loads of helpful advice (geared towards women). Bought my best friend a copy - now if she would only read it............ : ) "

  • 5 out of 55 out of 55 out of 55 out of 55 out of 5 Niscel Elsisura | 1/16/2012

    " rated it "

  • 3 out of 53 out of 53 out of 53 out of 53 out of 5 Elizabeth | 5/15/2011

    " This contained all the tips/recommendations/information that are usually in her books, as well as a list of excuses that women typically have. For someone who really is struggling to take control of their finances, this would be a good read. "

  • 2 out of 52 out of 52 out of 52 out of 52 out of 5 Tressa | 2/9/2011

    " This is a good starter book for anyone interested in personal finance. It does seem as if this book is geared more for married women and women with children. Some of the information is out-of-date such as 3-4% interest for savings or money market accounts--I wish! "

  • 4 out of 54 out of 54 out of 54 out of 54 out of 5 Lida K | 1/25/2011

    " Practical advice, no fluff reading. I highly recommend this book! "

  • 3 out of 53 out of 53 out of 53 out of 53 out of 5 Jen | 12/8/2010

    " Didn't read all of the book closely, but the review of investing was good. Had some really good reminders about the saving/investing of money. "

  • 4 out of 54 out of 54 out of 54 out of 54 out of 5 Lida | 9/18/2010

    " Practical advice, no fluff reading. I highly recommend this book! "

  • 5 out of 55 out of 55 out of 55 out of 55 out of 5 Jill | 7/2/2010

    " Liked it a lot - loads of helpful advice (geared towards women). Bought my best friend a copy - now if she would only read it............ : ) "

  • 4 out of 54 out of 54 out of 54 out of 54 out of 5 Aisha | 5/14/2010

    " wake up take charge and overcome your financial fears forever "

  • 3 out of 53 out of 53 out of 53 out of 53 out of 5 Alexa | 3/21/2009

    " I read quite a few personal finance books, and only keep the best ones for my own library. This isn't the very best I've read, but it's definitely up there. Would definitely recommend. "

  • 3 out of 53 out of 53 out of 53 out of 53 out of 5 Elizabeth | 9/30/2008

    " This contained all the tips/recommendations/information that are usually in her books, as well as a list of excuses that women typically have. For someone who really is struggling to take control of their finances, this would be a good read. "

  • 5 out of 55 out of 55 out of 55 out of 55 out of 5 Erika | 9/18/2008

    " This book is simple and easy to understand. Through my years in my career, I couldn't save a cent. But now I know how... "

  • 4 out of 54 out of 54 out of 54 out of 54 out of 5 Tricia | 6/26/2008

    " if oudn this to be a great reality check on why chicks spend money unnecessarily and how we can stop. i just finished this and already have used a bunch of her tips. "

  • 3 out of 53 out of 53 out of 53 out of 53 out of 5 Jen | 4/17/2008

    " Didn't read all of the book closely, but the review of investing was good. Had some really good reminders about the saving/investing of money. "

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About the Author
Author Jean Chatzky

Jean Chatzky is the author of numerous bestselling books, including Pay It Down!; Make Money, Not Excuses; and The Difference. She’s the financial editor for NBC’s Today, a contributing editor for More magazine, a columnist for the New York Daily News, and a contributor to The Oprah Winfrey Show.