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懂錢滾錢：打造最強個人財務系統，美國「預算天后」改造100萬人的財富指引: Step by Step CNNUSA Today 100 Step by Step ETF CNN 10 Step by Step 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Tiffany Aliche The Budgetnista100 thebudgetnista. comPodcastBrown AmbitionCNNUSA Today
作者: 蒂芙尼．阿里奇｜譯者：周怡伶
全美最受歡迎的金融教育家
帶你洞悉預算、儲蓄、債務、信用、賺錢與投資的真義，
Step by Step打造最強個人財務系統，
大聲說出：「從今天開始，我的錢要為我工作了！」
帶你洞悉預算、儲蓄、債務、信用、賺錢與投資的真義，
Step by Step打造最強個人財務系統，
大聲說出：「從今天開始，我的錢要為我工作了！」
★投資有賺有賠，錢有旦夕禍福；學會建立體質健全、自帶金流的財務系統，才能讓你的錢高枕無憂！
★ 寫給「花得太多」與「賺得不夠多」的你：從計畫、行動到盤點，讓你的每一塊錢都發揮最大效益
★ 不必等「存到第一桶金」再開始，被債務追著跑也沒關係，本書給你的方針是：立刻上手，馬上去做！
★ 《紐約時報》暢銷書，CNN、USA Today、富比士、華爾街日報、出版人周刊──共感推薦
所謂「理財」，就是重複做對的事，
學會把你的預算、收入與支出系統化，
用「投資」增加資產淨值，用「保險」去保護資產，
在不同人生階段，把錢放在對的地方，
懂錢滾錢，就能讓錢子、錢孫源源不絕流進來！
很多人都弄錯了，理財並不單是指「投資」一件事，
投資，只是「個人財務系統」其中一個環節。
幫助全球超過100萬人脫貧致富的金融教育家蒂芙尼‧阿里奇，
教你用十個步驟，打造最強財務系統，
Step by Step達成財務自由、提早退休、享受人生的目標！
寫給「花得太多」與「賺得不夠多」的你：
● 如何把自己當作一間公司，制定預算、分配預算？
● 如何制定一個能自動執行的儲蓄／還款計畫？
● 如何從本業中開拓副業、增加收入來源？
● 如何用指數基金與ETF，做安全又有效的懶人投資？
● 如何挑選你的財富管理團隊，讓資產淨值穩定翻倍？
本書作者蒂芙尼，原本是一位深陷財務黑洞的幼教老師，她透過獨樹一幟的理財方式，不但還清自己的千萬債務，更進一步幫助成千上萬個面臨金錢困境的個人與家庭，走出泥沼、擁抱光明，這也使她登上CNN報導，成為風靡全美的平民「預算天后」。
「財務系統」的概念看似很複雜，但作者揭示一個重要的實作原則：從大處思考、從小處著手。
你不必等到「有錢可以理」再去做，透過三張簡單的便利貼，你馬上就能掌握自己每個月的金錢流向，從中擠出「泡麵預算」，用儲蓄與投資迅速取得成果，然後再進一步滾出更大的規模。
本書的目的並不是要教你快速致富，或者要你成為一個在股市中大殺四方的投資人，而是要你成為一個懂得讓錢滾錢的「財務健全者」。
最棒的是，無論你目前的收入、存款、債務數字是多少，你都可以透過這套方法論，改變你的未來，過上比現在更好的生活！
用10個步驟，
從計畫、行動到複習，
Step by Step打造最強個人財務系統！
1. 預算：學習制定預算、維持預算，以及自動化分配預算。
2. 儲蓄：執行讓錢滾錢的儲蓄計畫，實現你的短期與長期目標。
3. 債務：執行讓債務歸零的還債計畫，交叉運用「滾雪球式」與「雪崩式」還債法達成目標。
4. 信用：衝高信用分數，養出一個符合你年齡的信用紀錄，讓滾錢計畫事半功倍。
5. 賺錢：你能賺到的錢比你想的多更多，使用自我加值密技賺到更多錢。
6. 投資：不必弄懂複雜的投資商品與公式，你也能善用複利做安全又有效的懶人投資。
7. 保險：找出你的需求，制定四大保險計畫來保護你的資產。
8. 淨資產：設定目標與策略，讓資產淨值由負轉正、年年成長。
9. 財務團隊：單打獨鬥不如團隊合作，借助專家的力量賺取更多資產紅利。
10.遺產：思考、確認、制定與執行一個能澤遺後人的資產分配計畫。
作者
蒂芙尼‧阿里奇（Tiffany Aliche）
屢屢獲獎的金融教育家。她的公司「The Budgetnista」發起了一場金融運動，透過教育協助全球超過100萬名婦女，使她們有能力償還債務、節省開支、達成夢想。她的職業生涯始於一名幼教老師，十年後創辦傳授金融知識的線上課程。
她的部落格thebudgetnista.com和Podcast節目「Brown Ambition」曾多次獲獎，並獲CNN、USA Today、《紐約時報》、《華爾街日報》、《富比士》雜誌、《美國新聞與世界報導》等媒體採訪報導。
譯者
周怡伶
台灣輔仁大學新聞傳播系、英國約克大學社會學研究所畢業，曾任職非營利組織、出版編輯及內容創作，旅居英國並從事翻譯十餘年，專長社會人文及知識性作品。
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4.6 ★★★★★
Based on 19 reviews
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Product Reviews
★★★★★ 5
my new favorite book
Format: Kindle
Ok so I never write reviews but this book was so good I felt the need to write this. Firstly your introduced to Huntyr you see her closed off hard core badass than towards the end you see the most subtle change and growth it’s amazing and the enemies to friends to lovers was just perfect, AND THE TWIST AT THE END GOT ME GOOD! You see one spicy scene the whole book but it doesn’t even MATTER BECAUSE THE BOOK WAS THAT GOOD. I’ve read 85 books in 2023-2024 so far and I’m pround to say this is my all time favorite. I’m so excited to read more of Emily Blackwoods books, this was my first time reading one of hers and I’m glad I did because HOLY!! Well done Emily well done
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Reviewed in the United States on February 23, 2024
★★★★★ 4
Fast paced romantasy you will not want to put down!
Format: Kindle
4.25 stars! I LOVED this book with similar vibes to Hush Hush, Fourth Wing, and The Serpent and the Wings of Night! It was fast paced with easy world building and will keep you turning the pages late into the night because you will not want to put it down!
Huntyr is a fierce bad@ss FMC trained to kill vampyres her entire life. She is sent on a mission to go to the academy and earn her spot into The Golden City. Upon arrival, she is forced to room with the delicious fallen angel, Wolf, who is the only one who knows about her assassin identity. The romance, the plot twists, the secrets revealed, the battles, and the tantalizing training scenes had me hooked! And that ending…. I’m holding my breath in need to know hell!
Read if you love:
🪽 Fae, Vampyres, Fallen Angels
🪽 Academy setting with magical trials
🪽 Forced proximity and slow burn
🪽 Rivals to lovers
🪽 Hidden identities and secrets
🪽 Tend your wounds
“𝘖𝘧 𝘤𝘰𝘶𝘳𝘴𝘦 𝘐 𝘸𝘢𝘴 𝘸𝘢𝘵𝘤𝘩𝘪𝘯𝘨 𝘺𝘰𝘶. 𝘐 𝘤𝘰𝘶𝘭𝘥𝘯’𝘵 𝘭𝘰𝘰𝘬 𝘢𝘸𝘢𝘺 𝘧𝘰𝘳 𝘢 𝘮𝘰𝘮𝘦𝘯𝘵, 𝘦𝘷𝘦𝘯 𝘪𝘧 𝘐 𝘵𝘳𝘪𝘦𝘥.”
“𝘐𝘧 𝘺𝘰𝘶 𝘸𝘢𝘯𝘵 𝘮𝘦 𝘰𝘯 𝘮𝘺 𝘬𝘯𝘦𝘦𝘴, 𝘏𝘶𝘯𝘵𝘳𝘦𝘴𝘴, 𝘢𝘭𝘭 𝘺𝘰𝘶 𝘩𝘢𝘷𝘦 𝘵𝘰 𝘥𝘰 𝘪𝘴 𝘢𝘴𝘬.”
“𝘠𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘯𝘰𝘸 𝘵𝘩𝘦 𝘷𝘪𝘰𝘭𝘦𝘯𝘤𝘦 𝘵𝘩𝘢𝘵 𝘳𝘶𝘯𝘴 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘮𝘺 𝘷𝘦𝘪𝘯𝘴, 𝘣𝘦𝘨𝘨𝘪𝘯𝘨 𝘮𝘦 𝘵𝘰 𝘰𝘣𝘭𝘪𝘵𝘦𝘳𝘢𝘵𝘦 𝘢𝘯𝘺𝘰𝘯𝘦 𝘸𝘩𝘰 𝘭𝘢𝘺𝘴 𝘢 𝘩𝘢𝘯𝘥 𝘰𝘯 𝘺𝘰𝘶.”
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Reviewed in the United States on June 12, 2024
★★★★★ 5
Excellent Rivals to Lovers!!
Format: Kindle
The tension and banter between Huntyr and Wold was delectable. I absolutely love the fallen angel and all of his flaws. Huntyr is amazing too being a badass FMC with some major trauma. The world building was great and I enjoyed the training aspect of the story. The writing was immersive and was in the story the whole time. The ending had quite a twist that I hadn’t anticipated and made my jaw DROP. Excellent job! I also loved the narration. Laura is one of my fave narrators!
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Reviewed in the United States on August 15, 2025
★★★★★ 5
AMAZING debut novel!!!
Format: Kindle
Plot ⭐️⭐️⭐️⭐️
Spice 🌶️🌶️.5
Romance 💘💘💘
Vibes ⭐️⭐️⭐️⭐️⭐️
Dual 1st person POV - Ara (26) & Rogue (39 - but looks mid-20s: they can live hundreds of years so this isn't that large of a gap as it could've been which I heavily appreciate lol)
Tropes: enemies to lovers, fae/human wars (deep hatred for each other), shifters (dragons- MMC can only partial shift with wings), one horse, one bed, touch her and d!e, found family, abduction turned to freedom
The Last Storm is the debut novel from JD Linton and let me tell you, you guys NEED to read this. The plot was engaging and the editing was was amazing (especially for a debut novel). Our FMC, Ara, is stuck in her gilded cage longing for a life outside of her small town. She uses her books to escape and live vicariously through the pages (honestly, relatable). After her father announces her betrothal to her childhood friend (to whom she has no romantic feelings for), Ara tumbles unknowingly into a desperate plot trying to stop the humans from slaughtering the Fae.
As one can expect from an enemies to lovers / kidnapper/captive romance, Ara fights her attraction and lust towards our MMC, Rogue (the King of the Fae), for as long as she can. Upon seeing Ara for the first time, Rogue is instantly aware that she is his fated mate (not a spoiler). Since she is the General's only daughter, he plans to abduct her and use her as leverage to stop the brutality. During Ara's time in Rogue's captivity, their banter and chemistry continue to rise until they finally boil over and come together (quite literally, and many times I may add 😉).
Here's what I LOVED:
- Rogue continuously seeks advice from his elders and deeply respects their opinions and life experience and tries to implement their recommendations
- Rogue makes many mistakes in the beginning but we see him actively work on not repeating them as the book progresses. The level of self-awareness and his ability to change his behavior was impressive
- The magic system is intricate and we have only scraped the surface. As the series continues and Ara progresses in her powers, I'm sure we'll get to see more of this. I absolutely LOVE the messaging system that is used in this book.
- Ara's struggles are so human and so raw. She is experiencing so much guilt and pain and hurt and getting to see her work through each of these emotions is inspiring. Especially as her and Rogue get closer and she learns she can lean on him as well, that she is not alone.
- While this is the start of a series, there is NO cliffhanger! There's a bit of a teaser of something major that is going to happen at the start of the next book, but it's not a cliffhanger in the sense that we aren't sure if someone is going to live or d!e or if they'll be separated. For that, I am very thankful! This book was so much fun that I will definitely be returning to book 2, even if it takes several months (or longer since this is an debut author) to publish!
- Lastly, the cover is GORGEOUS! And I love the title!
I'll copy a few of my favorite quotes below so you can have a little taste of the author's writing and the world she's cultivated. 😊
Top Highlights from The Last Storm
On days like this, when my heart was heavy and my mind clouded, I resorted to books— to escape, to forget, to find freedom where I had none.
If I were to marry him, my face would always be turned to the window, searching for more, and if not that, I would be a shell of the person I am now.
I stepped back to admire her, thr0bbing at the sight. She was the most beautiful woman I had ever seen. To ever exist. Nothing, no one, had ever deserved to be worshiped more. All men should be made to kneel before her. But she would have to settle for me.
The taste of her met my t0ngue as my scent merged with hers, forever branding her. Mine. I l!cked the wound. Hers. Completely and utterly hers.
I didn’t claim her in ownership. I claimed her as my one. Devoted myself to one. With that mark, my body and soul were bound to her. I would never be with anyone else, emotionally or physically. It would be her or no one, until my last breath.
“Scream my name. Let everyone know who I belong to.”
I had never really cared about the weather before, but now, clear skies meant everything to me, and I was grateful to see another calm morning.
“There will never be another woman for me.” He paused. “Ever.” I stilled at his words. “What… Why?” “This”— his thumb slid down across the mark—“ is a symbol of… surrender. I know you believe that it was my claim upon you, but it wasn’t. It never was. I bound my body and soul to you, little storm.”
“I also know that it is more than this tiny, insignificant mark on your skin that binds me to you. It’s you. All of you. Your strength and resilience. Your determination to endure no matter what fate throws at you. Your love for love and stories and hope. You are entirely the opposite of everything that I am and I would gladly wear your shackles if it meant I could have you.”
My mate. Mine. And then everything shifted and I understood. I understood everything. The surrender. The deep, soul-craving longing. Bound. I was bound to him. Body and soul. Entirely his. “I would’ve waited forever,” he whispered back, understanding.
Seriously, everyone.. add this to your TBR!!
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Reviewed in the United States on November 14, 2022
★★★★★ 4
A Decent Fae Romance
Format: Kindle
** 3.5 Stars rounded up to 4 **
First off I want to say that I found the author, J. D. Linton, on TikTok right before the release of the sequel. I bought the first 2 books to support her release, so congrats to her for the release of the sequel!
Overall, I liked the story & plot, I liked the characters, and I liked the spice. The downfalls: not enough development between the characters for the romance, and it leaned a little heavy into the tropes. A lot of stuff is told to you, which could have been used as devices to drive the plot and emotions of the characters.
🛑🛑 Mild Spoilers ahead, I tried to hide the obvious ones 🛑🛑
This is very obviously a fated mates, which is a trope I usually really enjoy. But I wish the relationship between Ara & Rogue had much more development before it's realized that they're mates, instead of Rogue knowing almost immediately and using it for nefarious purposes (at least in the beginning before they get to know each other). By revealing this within the first quarter of the book, I feel like it leaves less room for them to fall for each other organically (albeit with help from the mating bond) and they love each other because of the mating bond. I was disappointed as soon as Rogue know (literally only 5% in) and I literally made a note: "As much as II love a good mating trope, I wish we had to work for it a little more. Where's the fun in just telling us?" I believe that by holding out and feeding the reader snippets of a potential bond, it would've been more rewarding as a reader.
I also wish there was more world building - we are told of a war between human & fae but don't get to really experience any of it. Ara is sheltered in her human home, then sheltered in Rogue's castle. There's bits and pieces about what the war has done on either side - but we're more told of the aftermath and don't really experience any of it. Ara's father is supposed to be the king's #1 general - yet he is at home with his family & with Ara for the first couple chapters. Her, her family, nor her village seem to be affected by the 10 year war going on on their borders. I wish there was a little more setup to make this conflict - an actual war - feel more than a skirmish between fighting territories.
Linton could also be a little repetitive - with the biggest culprit being when Ara is upset she "brings [her] knees to [her] chest]" and either sits like that or cries. Every time she is upset this phrase is mentioned. I would get it if this was her crutch, or how she copes with grief and stress, but that should be explained why she does it so often or it becomes repetitive. I started to get annoyed with how often she would sit like this solely because it happens every couple chapters.
However, I did really like the spice. I love an enemies to lovers trope, especially when it results in spicy scenes. The spicy scenes weren't anything new, but they were fun. Wish there were more but that could also just be me - there is no such thing as too much spice 😂
Would I read again? Probably not, I'm super picky with rereads. Although I did genuinely enjoy my first read through!
Will I continue the series? Probably, at least for the sequel. As for #3, kind of depends on where I am with my TBR once that is released
All in all an enjoyable, fast paced read
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Reviewed in the United States on March 8, 2024
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