Why Smart People Do Stupid Things With Money PDF Free Download

The Dumb Things Smart People Do with Their Money You're smart. So don't be dumb about money. Pinpoint your biggest money blind spots and take control of your finances with these tools from CBS News Business Analyst and host of the nationally syndicated radio show Jill on Money, Jill Schlesinger. She has been recognized as a Top 10 LinkedIn Influencer and a Top 10 LinkedIn Voice. She’s the author of The Dumb Things Smart People Do with Their Money: Thirteen Ways to Right Your Financial Wrongs.Key Points Not all financial professionals are looking out for you. Make sure they are held to the fiduciary standard at all times.

Want a funny personal finance page-turner? While even the best finance books can occasionally bore the heck out of your mind with facts and strategies, Jill Schlesinger’s latest book is not.

If you are ready for your next personal finance read, I highly recommend The Dumb Things Smart People Do With Their Money.

8,673 people watched this course. The dumb things smart people do with their money “ - Narrator This is an audio course. No need to watch, just listen. Instructor Finding the time to learn proper money management can be tough, but poor financial planning can cost you a lot more than time in the long run. The Dumb Things Smart People Do With Their Money Pdf free download. Software The Dumb Things Smart People Do With Their Money Pdf Free Download Pdf As an engineer, it has always been drilled into me to think safety first, so when I came across an article from Fluke on the top ten dumb things smart people do when testing electricity, initially.

As I went through the chapters, I realized a number of financial mistakes I made. At the same time, I had several good laughs at the dumb mistakes smart people make. Schlesinger’s casual, cheeky tone carried me through 288 pages of the book in 2 nights.

The traps of being smart

The basic tenet of financial independence is pretty simple. Spend less than you earn. Every financial decision by smart people seems to be logical, guided by careful analysis. Or at least that’s what financial bloggers like me make it seem.

Schlesinger demonstrated through her clients’ stories that real life finances are far from black and white. In fact, smart people are just as vulnerable to fears and psychological weaknesses that lead to bad decision making.

Take higher education for example (chapter 4 in Schlesinger’s book). If you are smart and your parents paid for your Ivy League school education, you likely want your kids to enjoy the same privilege. The only catch is a top school education now costs way more than 30 years ago in real dollars. Paying for your kids’ Ivy League tuition might require you to forego your dream of retiring early. For some notoriously dumb smart parents, this involves a hefty check to a shady admissions consulting company and a permanent criminal record. What a big mistake!

Through Schlesinger’s writing, you’ll see no professions are shielded from financial mistakes. Physicians, attorneys, even finance professionals. Perhaps the biggest weakness smart people have is overconfidence. They’re overconfident in their intelligence, their decision making ability, their continued ability to maintain their high income levels, their health, and so on. When you’re at your career peak, it’s hard to plan for tough times.

Schlesinger listed 13 areas where people frequently make mistakes. Certain areas are better covered by personal finance blogs. For example: risk tolerance, buying or renting a house, rising tuition fees, financial education for kids. Some areas are not as well covered or are more relevant for people further along their financial independence journey. These include financial stress, identity protection, caring for elderly parents and estate planning.

The book is for you if

You want a light book that covers a wide range of topics and gives you a quick idea which area you might be lacking in.

You may be an expert in index fund investing, but have you thought about helping your parents in their old age and ensuring your family’s financial security if you pass away unexpectedly? If not, the book gives you a quick overview of these two areas and the common mistakes people make.

I’m convinced most people could learn a thing or two from the book. The cases that Schlesinger uses from her clients, families, and friends bring even boring topics like life insurance to life.

However, if you want to find a book that covers any of the topics in depth and helps you create a detailed plan of action, look elsewhere.

How the book changed me

Schlesinger’s book certainly helps me think about my financial life from a big picture point of view and put a critical lens on my financial decisions.

The first two chapters talk about buying financial products you don’t understand and taking advice from the wrong people. In my opinion, these are the two most important chapters in the book.

Always do your own due diligence. We all learn personal finance from various online resources today, and I’ve listened to advice from people on the Internet. Schlesinger reminds us that a lot of information out there is inaccurate or misleading.

Give yourself a day or two before following anyone’s advice. Remind yourself that the author doesn’t know your specific situation and may not present what’s best for you. That includes advice from me or even your friend. I want you to thrive but you know yourself best.

The book also fundamentally challenges some of my pending decisions. I want to own a home and start a family. However, owning a home will lock me to one place geographically and introduce more expenses. Am I ready to give up on the freedom of renting and sign on to the pains of home ownership? It’s difficult since I still crave the flexibility to chase a wide range of job opportunities.

I’m also inspired to spend some time thinking what I’ll be doing in my (hopefully) early retirement. As a Millennial with no kids, I honestly haven’t thought much about the risk of over-spending in my early retirement years (chapter 8) or protecting my kids in case of my unexpected death or disability (chapter 11). These are heavy topics for most Millennials but essential if you want Financial Independence, Retire Early.

Check out the book and I’d love to hear your thoughts on it.

You’re smart. So don’t be dumb about money. Pinpoint your biggest money blind spots and take control of your finances with these tools from CBS News Business Analyst and host of the nationally syndicated radio show Jill on Money, Jill Schlesinger.
“A must-read . . . This straightforward and pleasingly opinionated book may persuade more of us to think about financial planning.”—Financial Times
Hey you . . . you saw the title. You get the deal. You’re smart. You’ve made a few dollars. You’ve done what the financial books and websites tell you to do. So why isn’t it working? Maybe emotions and expectations are getting in the way of good sense—or you’re paying attention to the wrong people. If you’ve started counting your lattes, for god’s sake, just stop. Read this book instead.
After decades of working as a Wall Street trader, investment adviser, and money expert for CBS News, Jill Schlesinger reveals thirteen costly mistakes you may be making right now with your money. Drawing on personal stories and a hefty dose of humor, Schlesinger argues that even the brightest people can behave like financial dumb-asses because of emotional blind spots.
So if you’ve saved for college for your kids before saving for retirement, or you’ve avoided drafting a will, this is the book for you. By following Schlesinger’s rules about retirement, college financing, insurance, real estate, and more, you can save money and avoid countless sleepless nights. It could be the smartest investment you make all year.
Praise for The Dumb Things Smart People Do with Their Money
“Common sense is not always common, especially when it comes to managing your money. Consider Jill Schlesinger’s book your guide to all the things you should know about money but were never taught. After reading it, you’ll be smarter, wiser, and maybe even wealthier.”—Chris Guillebeau, author of Side Hustle and The $100 Startup
“A must-read, whether you’re digging yourself out of a financial hole or stacking up savings for the future, The Dumb Things Smart People Dowith Their Money is a personal finance gold mine loaded with smart financial nuggets delivered in Schlesinger’s straight-talking, judgment-free style.”—Beth Kobliner, author of Make Your Kid a Money Genius (Even If You’re Not) and Get a Financial Life
“Common sense is not always common, especially when it comes to managing your money. Consider Jill Schlesinger’s book your guide to all the things you should know about money but were never taught. After reading it, you’ll be smarter, wiser, and maybe even wealthier.”—Chris Guillebeau, author of Side Hustle and The $100 Startup
“A must-read, whether you’re digging yourself out of a financial hole or stacking up savings for the future, The Dumb Things Smart People Dowith Their Money is a personal finance gold mine loaded with smart financial nuggets delivered in Schlesinger’s straight-talking, judgment-free style. The book helps you live the life you want, while laughing all the way to the bank—since she’s not only wise but also hilarious!”—Beth Kobliner, author of Make Your Kid a Money Genius (Even If You’re Not) and Get a Financial Life
“The vast majority of people, including highly sophisticated investors, will recognize one if not several of the thirteen ‘dumb things’ Jill Schlesinger brilliantly discusses in this engaging and important book. I know I did. Drawing on a highly accomplished career—not just as an astute observer of personal finance but also as a planner and options trader—she arms readers with knowledge and tools to help correct existing financial planning mistakes, as well as avoid potentially costly ones in the future.”—Mohamed A. El-Erian, chief economic adviser, Allianz, and author of the New York Times bestsellers When Markets Collide and The Only Game in Town

“Jill Schlesinger is one of the smartest voices in personal finance and money management I know. Ignore her words of wisdom at your financial peril.”—Helaine Olen, blogger for TheWashington Post and author of Pound Foolish

“We don’t talk nearly enough about money, which is odd given its central place in most of our lives. And it’s shockingly easy for even smart, accomplished people to get tripped up by bad habits or just plain lack of knowledge about money management. Jill Schlesinger has written an eye-opening, practical, and funny book about how we screw up and how we can get it right. I needed this book ten years ago! I’m glad I have it now.”
—Alison Green, author of Ask a Manager
“The Dumb Things Smart People Do with Their Money
is a powerful, easy-to-read guide full of commonsense advice.”Booklist

The Dumb Things Smart People Do With Their Money Pdf free. download full

Audiobooks for Practicing Financial Self-Care11 Business Listens to Change Your MindS4 E05: Jill Schlesinger, Cynthia Johnson, and Liz FosslienSee More

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Why Smart People Do Stupid Things with Money

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Stupid Things People Do and Say

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