Review: You’re Broke Because You Want To Be

Each Friday, The Simple Dollar reviews a personal finance book.

wingetBlunt. That one word sums up this entire book – in fact, it sums up pretty much everything I’ve ever read by Larry Winget. He cuts right to the chase with his message and doesn’t pull any punches to be “nice.” Some people view that as bullying – others view it as helpful.

From just that little blurb, you probably have enough information to make up your mind about whether You’re Broke Because You Want To Be would be a worthwhile read for you. Some people respond really well to cutting to the chase and not pulling any punches – others are driven away by it. Make no mistake, this book falls firmly into the take-no-prisoners camp.

Personally, that approach doesn’t bother me in the least. I know very well that there are some things in life that are best served by a very direct and forceful personality. For example, athletics – a coach that doesn’t demand a lot and push his players will wind up with a weak team. Does personal finance advice merit this same kind of approach? Let’s dig in and see what Larry has to say.

A Walk Through You’re Broke Because You Want To Be

Introduction
Normally, I skip right over the introductions and head directly to the meat of the book, but in the introduction Larry tackles an issue that has been bothering me as of late: the distinction between poor and broke. Larry really nails it here, so I just want to quote a small piece of the introduction here for posterity.

Please don’t say, “But what about the poor people, Larry? They don’t want to be broke.”

Great point. You’re right. I’m not talking about being poor.

Poor is a condition I find very sad. Sad, yet inevitable. Jesus said, “The poor will be with you always.” And they will. There are people who live in soicieties and countries where there are no opportunities for advancement and it takes all their effort just to survieve. They are not going to have enough to eat well or live well or take care of themselves.

So let’s get this straight from the outset so you can get off your high horse and understand what I am really saying. I didn’t write this book for the poor people of the world. I know it is going to take a lot more than a book to help truly poor people. To think otherwise would be insulting.

I am talking about broke. Broke is not a condition like being poor. Broke is a situation you find yourself in because you are either underearning or overspending.

Larry pretty much hits the nail on the head here. Almost every popular personal finance blog will see a comment or two where a reader will go off on poverty issues. Poverty is not something that I have the capability of addressing – that takes grand societal change. What I can address, however, is the issue of broke, because that’s something an individual can grab ahold of and change.

Chapter One: Money Matters
Since the premise of the book itself is that you make the active choices that cause you to be broke, the first chapter deals with the excuses that people use to deny that idea. There are a lot of them, and I’ve been guilty of most of them at various points in my life.

My favorite one is the “parent” excuse: “it takes all I’ve got just to come home, fix dinner for the family, entertain the kids for a while, put them in bed, take a bath, and fall asleep myself.” I have an infant and a toddler at home, so I know that there is some merit to this argument – but it’s also flawed. First, it’s not a good reason for choosing not to curb your spending. Second, you can find time to improve yourself or find success in other areas – I started The Simple Dollar with an infant at home and kept it running while he grew into a toddler and a second infant arrived on the scene.

Winget’s philosophy is that we choose our destiny via the small choices we make all the time, and we deserve the outcome of those little choices. If you’re constantly choosing to spend more than you should be spending, then you’re broke because you want to be. Until you make up your mind that you truly want something different, you’ll remain broke by your own choice.

Chapter Two: Your Real Problem
Right off the bat, Larry writes, “Your biggest problem is not in your wallet or your bank account. Your biggest problem is between your ears.” That sentence alone sums up the gist of this chapter, which is really about goals and values.

Goals and values? The things that you truly value in life are the things that you end up spending your money on, not the things you claim that you value. If you talk about how you really value your children’s future, then buy a Lexus while their 529 sits empty, you don’t really value your kid’s future – you value your ride much more.

Think about the things that you really value. Make a list of three or so of them – the things that you value most in life. Then compare that list to how you actually spend your money. Are they in alignment? If they’re not, that’s a sure sign of financial trouble.

Chapter Three: Know Where You Are
The first step, of course, is to figure out where you actually are. Spend a month tallying up every dime that you spend – every bill, every splurge, everything. Then compare that to what you’re actually bringing in. The first number needs to be smaller than the second one, period – if it’s not, you’re headed for complete disaster.

The next step is to formulate a plan: figure out what you actually want, then figure out how to get from where you’re at to where you’re going. Larry suggests writing this all down and making it something concrete and tangible – and I totally agree with that idea. It gives you something to hold in your hand, and it gives you something to hang on the refrigerator and see time after time as you move forward.

Chapter Four: How to Get Out of Debt
This chapter consists of a large pile of specific tips for debt reduction and removal. Most of these are fairly mundane – call your creditors, pay ahead on your highest interest debt, cut up your credit cards, stop spending – but two jumped out at me.

Make a spending journal. Basically, every time you spend money on anything, write it down. This is really a psychological trick more than anything, but it forces you to realize how you’re draining your wallet drop by drop.

Make micropayments. This one works well with online bill pay. Basically, whenever you see that you’re a bit ahead with your money, spend it immediately… by making an extra payment on your most painful debt. If you have an extra $20, don’t spend it on something frivolous – instead, immediately make that extra payment so you aren’t tempted to spend it.

Chapter Five: How to Cut Your Expenses and Increase Your Income
Much like the previous chapter, this one is full of a bunch of short ideas on … cutting expenses and increasing income.

Larry really gets to the root of the matter with the idea of cutting expenses. Basically, he suggests making a list of the stuff that you’re willing to give up in your life right now, and to push that a little bit. Could you give up cable? Could you give up television entirely? Could you give up your cell phone? How about your internet access? How about your morning latte at Starbucks? Similarly, he suggests looking for stuff you own that’s unnecessary and excessive, like a monstrous DVD collection.

As for earning more, it’s mostly about busting your butt. You’ve got two choices: either start improving yourself in a very serious fashion to earn more money at your current job, or start work on a second job (or developing your own business). Those are really the only two roads available to most people for increasing their earnings.

The key, though, is that when you reduce your expenses or you increase your income, you don’t then expand your spending to fill that difference. Instead, roll that extra cash into debt repayment, an emergency fund, or if you already have those, into investments and savings for your big dreams.

Chapter Six: The Stuff Most People Overlook
This is a third chapter of quick, short pieces on basic money matters and, again, much of this comes across as familiar. These are more detail-oriented things, such as using a shopping list and getting a good checking account.

One area stood out to me, though, and it’s something that I rarely see tackled in personal finance books. Larry suggests taking up reading books. He offers up a few examples of things to read (a mixed bag of stuff), but the simple fact that he broaches the topic of reading as a way of getting ahead financially is admirable. This is something I’m a big believer in – I’m a regular at my local public library, as it’s a giant building full of free books and most of them have knowledge inside their covers that will either enlighten me or motivate me to make some changes.

Please, read a book and think deeply about what you’re reading. The more you do that, the better off you’ll be, both personally and financially.

Chapter Seven: Now It’s Time for Your New Budget!
The book starts winding down rapidly at this point, as this chapter basically says to recalculate what you’re spending and what you’re earning after making these changes. What you’ll find is that the difference between what you earn and what you spend will be in a much healthier place if you’re genuine about making some real change in your life.

Buy or Don’t Buy?

You’re Broke Because You Want To Be is a personal finance motivation book, straight out of the Dave Ramsey mold. Winget comes off with almost a drill sergeant persona – he’s blunt, to the point, and doesn’t pull any punches with anything.

If you know someone who uses a lot of excuses to avoid taking control of their financial life, this is probably a worthwhile read for that person. That person might be you or someone else you know, but in either case, this is the exact person that You’re Broke Because You Want To Be is written for. The personal finance advice inside isn’t complex or anything exceptional and new, but it is presented with a very strong coach-like tone, and for a person who can be driven by a good motivator or coach, this could be the right book.

Be aware, though, that some people can easily see this sort of tone and attitude as being bully-ish. I don’t see it that way, but I am aware that there can be some severe backlash against Winget’s perspective. If you think you might be in that category, pick up the book on the shelf at your local bookstore and read several pages before jumping in.

I enjoyed You’re Broke Because You Want To Be quite a bit. That’s largely because I enjoy straightforward talk, and that’s just what Winget serves up here.

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  1. Andy says:

    Sounds like a pretty good book. I definitely like the spending journal idea. I track every penny and it is incredibly helpful to see how much I actually spend. Of course, I am a Dave Ramsey fan as well, so this sort of book might appeal to me.

  2. amanda says:

    So you are saying that you messed up a few weeks ago. When you were saying poor people should pull themselves up by their bootstraps while ignoring every other factor involved OTHER than financial, you meant to say BROKE people should do that.

    Okay, I agree with that.

  3. Okay, you talked me into it. I’ll give it a read!

    I’ve seen Winget on several CNBC shows and he always comes off as a jerk…one with good information…but a jerk nonetheless. Sometimes that’s what it takes though!

  4. Frugal Dad says:

    I generally like Winget’s approach and think of him as less of an intellectual, and more the kind of guy you wish could come visit your overspending friend, grab him by the collar and shake some sense into him! It’s the only way to reach an overspender in denial.

    The micropayment idea is a good one and reminds me of the “snowflake” theory. Thanks for the review, Trent!

  5. luvleftovers says:

    I used to watch Big Spender. He’s tough but he certainly ‘smacks’ you back into reality!

  6. natural says:

    thanks for this review. i thought about buying this book, but i’ll see if i can get it at the library instead. actually i think i had the electronic version of this book and didn’t finish reading it. I think i’ll check it out again and read it. thanks for the rekindle

  7. eric says:

    I was just thinking about asking you to review this book. I was going to write yesterday, but i got side tracked.This morning i open up The Simple Dollar, and I see it at the top. Awesome. I am not going to read to much into that, but still its pretty cool.

    I really enjoyed this book, and I also bought
    “Its called WORK for a reason. Your success is your own damn fault. Too which i really got some insight on how too approach different situations.
    In fact i liked those so much i think i will by his other book “Shut up, stop whining, and get a life” today.
    The title alone sums up his direct style.
    Some don’t like that approach, others do. Some don’t want to hear it, but those are the people that most likely need to hear it the most. They need to stop being pacified and being told that its ok, its not your fault. The big bad scary world did this to you.

    Bull.

    I am a big admirer of those that take responsibility for themselves, their actions and ultimately their choices.
    AS much as i liked Anthony Robbins and other motivational speakers. He refers himself as an “irritational” speaker. He openly says that he does not believe in motivation or teamwork for that matter.
    Bare bones, straight to the point, the book is all meat, no fat.
    If you want to read a slice of the book, check out
    http://www.changethis.com Its a free pdf version of a short segment, a manifesto as they call it.
    Under the category business, its titled
    “You have been lied too”
    The site has a myriad of topics and authors. You are free to look at or send them to anyone. All free. Goes well with the theme of this blog.

    Thanks again Trent for reviewing “You’re broke because you want to be”
    Please consider reviewing his other books as well.

  8. MoneyBlogga says:

    I used to enjoy watching Larry Winget’s show “Big Spender”, probably because misery loves company and watching other people make huge financial gaffes made me feel not as stupid. I would like to think that Larry’s show was the very beginning of my own lightbulb moment when I realized how much money I was spending and how little (as in, nothing) I was saving. My “balance sheet” at that time was a horrible testament to my total ignorance towards all things financial. Thanks for the book review!

  9. jtimberman says:

    It all comes down to behaviour change. Larry’s got it right, and Dave Ramsey talks about it all the time.

  10. Jon says:

    All of these book reviews are the same. Most because all of these books are the same:

    1. You are in debt because you don’t know how much you spend and you buy everything you want (usually on credit).

    2. Write down what you spend

    3. Cut back (make budget)

    4. Pay off debts

    5. Save money

    6. ?

    7. Profit!!

    Also, why do you always recommend getting these books and the library, then link to Amazon with your affiliate ID? Sometimes I feel like you are writing these reviews purely to earn money.

  11. !wanda says:

    I hope the book doesn’t actually have that many spelling mistakes. It’s sort of strange that the book excerpt has two mistakes that jumped out at me while the rest of the review is free of them.

  12. Alison says:

    I particularly like the distinction between being broke and being poor.

  13. My.cold.dead.hands says:

    I think that we all need different teachers at the various stages of our financial maturity. Larry Wignet is definately for the person in those early stages that need the wake up call.

  14. I love Larry’s “in your face” attitude about money and personal accountability with finances!

    It’s not my teaching style, especially when helping family and friends with their finances, but lets admit it; Larry rough around the edges style is exactly what some people need!

  15. Toby says:

    @ Jon: And yet the people living paycheck-to-paycheck (like some of my relatives) still keep doing it and are unwilling to change.

    The fact is that the steps listed are really all it takes to rise out of debt and become more financially secure. People just don’t want to buckle down and do it.

    The thing that make Larry Winget’s book unique is the delivery. Sure he says the same thing a dozen other writers say, but his version involves kicking you in the gut and laying things out in black and white. Many other PF writers try not to offend their readers. Larry doesn’t care about that as long as you get the message.

  16. Lise says:

    Thanks for the review, Trent. I think I’ve got my financial cards pretty well in order, but I understand where he’s coming from. I sit next to a guy at work who has collections agencies calling him all the time, but still has a motorcycle and a Rolex. He needs that book, not me :)

    One small point of discussion: I agree with the “real problem” being “right between the ears,” but I’m not sure how to think about this line: If you talk about how you really value your children’s future, then buy a Lexus while their 529 sits empty, you don’t really value your kid’s future – you value your ride much more.

    I wouldn’t say that’s 100% true. Research has shown that people prefer small, immediate rewards to larger, delayed rewards, and I think that’s a problem between the ears that’s harder to get over. No doubt Mr. Lexus is thinking he’ll add to his kid’s 529 fund once he’s paid off the Lexus. Some day, some day… we all think like that, to some extent.

    I think the reading is an interesting take on it. It’s truly amazing what’s at your public library, and I don’t think enough people realize that.

  17. MS says:

    Kind of a side note, but have you ever noticed that *ALL* personal finance books have the authors face on the front cover?

    It’s kind of weird if you think about it: No other genre of books does this. Maybe cookbooks, but not nearly as often as personal finance books. It’s kind of like when you see romance novels and you expect to see the bare-chested man holding the woamn from behind on the cover.

    Why do you think they do this? Is this the publishers idea or do the authors really want to be on the cover that bad? Can you imagine F. Scott Fitzgerald on the cover of “The Great Gatsby” wearing sunglasses and leaning on an imaginary wall like Larry Winget, or smelling money like Dave Ramsey…or with a big perma-smile like Suze Orman?

    It’s a strange marketing strategy. Maybe they are trying to “brand” the authors face…but why? I challenge the next personal finance writer to *NOT* put their picture on the cover! I don’t care what F. Scott Fitzgerald looks like, and I certainly don’t care what Larry Winget looks like.

  18. Jon says:

    @Toby

    But that is kind of my point. Why do we need yet ANOTHER review of a PF book here? A person who know what they are doing wrong but yet are UNWILLING to change get no help either from this book.

    My point is this: How many people who read Trent’s blog regularly are actually getting a decent amount of value out of book reviews that basically boil down to the same few points. I don’t necessarily mind book reviews or summaries of articles…but give me something NEW already. Otherwise we are just going around in circles.

  19. Michelle says:

    Just reading the summary was a great little injection of motivation for me on payday!

    I’ve started keeping a spending journal — in addition to Quicken, I started balancing my checkbook. This requires me to write down exactly how much I’m spending, when I spend it. (I also subtract money to go toward my current goal — $300 for Burning Man ticket — that I haven’t actually spent or set aside in another bank account. It’s actually in the bank, but according to my checkbook it’s not touchable!)

    Every time I do that, I have to compare it to everything else I’ve spend in the past month or so. It’s nice to feel okay with spending when I do because I know how much I have left — and when I have downtime at work, I’ll sometimes just throw $5 toward that CC debt or in my ING account just for the heck of it. It’s great!

    But today I’m going to splurge and go get some fish ‘n chips and read the rest of 4-Hour Workweek. I’ve been craving this dish all week so it’s a real reward and not just lunch out. Yum!

  20. H-Bomb says:

    I think the reason Trent reviews multiple personal finance books is to help people find the one that best suits their personal style. Not everyone reads the same or absorbs the same information when read in the same manner and tone. I think Trent may have reviewed a personal finance book that I may pick up myself.

  21. Phil A says:

    I don’t think “The Automatic Millionaire” has the author on the cover. David Bach deserves a standing ovation.

  22. Meg says:

    I love this book, and I’ve never even seen it! I agree with the excerpt on poor vs broke and his advocating reading books so much that I’m going to buy this book simply to support him and his message. Hopefully he’ll keep putting it out there and others get the idea that people want to hear this stuff.

    It’s not just about cutting things OUT of your budget/life – it’s about replacing them with other things to make us better, more whole, valuable people.

  23. Joe says:

    That point about reading more books came at the exact moment I decided to just read all of your reviews instead of the books. Maybe that’s why most of this stuff never really sinks in! Part of it is time management… I think I’m lightyears away from your reading speeds.

  24. Travis says:

    @Jon: I get A LOT out of these book reviews. Thanks for asking.

  25. Shalom says:

    Great review. It takes sacrifice to improve your finances, and I’m sure this book is just what many people neeed. Clean and simple.

  26. Shalom says:

    And I’m sure the “crazy” guy on the cover will prompt a lot of people to pick it up out of curiosity – they have a smart graphic designer on their team.

  27. Jon says:

    @Travis

    Just out of curiosity, what did you get out of this book that is so much better or different than all the others?

  28. Minimum Wage says:

    This book seems to be a lot about overspending and not so much about underearning.

    I’d like to start a business selling stuff online – I even bought a liquidation lot and have stuff to sell.

    But I have only 300 sf of living space and not enough room for the stuff.

  29. Macinac says:

    My mama was poor but not broke. Her income was meagre but all the bills were paid on time. She never saved much but did manage to have the modern American conveniences.

  30. 99wtfu says:

    I like Trent’s book reviews and don’t care about the amazon link. Why would you be so lousy about Trent getting kickbacks for his site is beyond me.

    He has invested his time in both reading the books, and writing the articles for the site. Obviously you are reading the site, and hopefully gaining sound principles which enhance your life from it. I know I am.

    Information *should* be free, and unless you are buying the book, it is. Even the cost of the internet can’t logically can’t be considered, as it’s only a medium to access the information. If you walked to the public library and used their internet terminals to read The Simple Dollar, you could be happy knowing that gaining this information is 100% of NO COST to you.

    However I think you should also consider that unfortunately, in the age we live in, knowledge is given a dollar value and as such is a financial commodity. I think this is fundamentally wrong, and the only way to circumvent it is to

    1. Not pay directly for knowledge – ie buying Trent’s PDFs – unless you consider the fee to be a donation.

    2. Make such knowledge publically available to download in it’s commercial form. Use filesharing and anonymous/overseas hosting sites to facilitate the spread of information.

    3. DIRECTLY PAYING THE OWNER/SOURCE OF THE INFORMATION – This enables people to be able to have money while thinking and learning things. This is akin to sponsoring a student, donating $20 to Trent for his manuscript which you downloaded from a third party site, or donating to a band or buying some T shirts if you downloaded their album from the internet.

    THE FLOW DOWN EFFECT OF THIS =

    1. Cutting out the middlemen – mindless drones who a) inflate the price of things by adding their handling fees [ie retailers] and b) restrict access to information

    2. People who will be out of work from passing things on, will be summoning their own skills and contributing to the knowledge pool of society.

    *gets off soapbox*

  31. Trent Trent says:

    “Also, why do you always recommend getting these books and the library, then link to Amazon with your affiliate ID? Sometimes I feel like you are writing these reviews purely to earn money.”

    Because I’d rather people save their money and use the library, but sometimes people would rather own the book so they can keep it for reference or scribble in the margins – you should see my copy of Getting Things Done, for instance. For them, I link to Amazon, where they can find additional info and get a good price for buying it. If they use my link, I make a few pennies with no difference to them at all.

    It’s not as if this review is a sales pitch. I’m basically summarizing the book so that people who are on the fence won’t leap into buying and even if they do, I go “Hey, go to the library and get it.”

    The only book I’ll ever encourage anyone to buy is my own, for rather obvious reasons.

  32. sam says:

    BURNING MAN TICKET, $300

    DO YOU KNOW WHAT BURNING MAN WAS? IT WAS AND MAYBE STILL IS IN PARTS OF THE WORLD, BURNING PEOPLE ALIVE. YOU’RE IGNORANT OR EVIL

  33. Vanessa says:

    Larry Winget tries to come off as gruff and irritating, but for some reason I really like him. I loved Big Spender and I’m pretty sure I’ll like his books too. I tried listening to one of his audio books once, but I couldn’t stand the reader’s voice. The message just didn’t have as much “punch.”

    I used to read a lot of personal finance books but I’m finding more and more that they’re of less use to me. I’m not in debt anymore, and even when I was I had a sound plan to get out of it. I’ve never had excess luxuries like cable, lattes, or expensive hobbies– and most pf writers (bloggers included) write from the assumption that everyone is in debt and got that way because they’re just wasteful with money. That may be true for the majority, but not for me. There’s also a lot of space devoted to issues like marriage, children, mortgages–none of which will ever be applicable in my situation. I probably read the first quarter of a book because reading the other three quarters would be a waste of my time.

    I do think it’s great that there are so many resources for people to learn to get their finances in order, and that there are a variety of styles in which the information is presented. But for those of us who are already on the right path, but just don’t know where to go next–well, I was there was something for us too.

  34. Gayle RN says:

    Minimum Wage I applaud your efforts to change your situation. Best of luck in your new venture.

  35. lynn says:

    I bought this book for my husband. When we met, he had not saved one penny towards his children’s future, yet was obsessed with “giving them a hand”. As a step-parent, I have subsidized all of his children’s tuition and “extras” for the past 10 years. It has always saddened me that he’ll put more energy into figuring out how to take them on vacation than educating them or helping them to build skills for independence. I was sick of his excuses, so I was particularly fond of the author’s “Lexus/529 smack on the head”. I think DH actually saw himself in the book, or at least sees my point of view presented there in a way that doesn’t cause conflict between us- like I am judging him- which, let’s face it, I am!

  36. Eli says:

    I’ll have to pick this one up. Too many people are affraid to talk about money because they don’t want to face their problems or excuses. This book sounds like something we all need. Being blunt about money is necessary if people really want to change their “broke” habits.

  37. Rob in Madrid says:

    Unfortunately I don’t have local library option to borrow the book from. Any books I buy eventually get donated to the library when we go home.

    Also clicking through is a great way to suport Trents blog.

  38. Jon says:

    @Trent

    “The only book I’ll ever encourage anyone to buy is my own, for rather obvious reasons.”

    What would make your book so much more special that we should buy it and not any others? This is exactly the reason I think almost all PF writers are purely out to make a buck. Most are peddling common sense advice and offer suggestions about how to get as many things as you can for free, except of course when it comes to buying their book. Because everyone’s book is the most profound and important right? I’ve only come across one PF writer who stated outright to people not to buy his book but to get a copy from the local library.
    Why are writers, especially PF writers, so terrified of coming clean and stating outright that they are writing to make money. They know people are desperate to find a solution to their problems and are willing to pay someone to give them the answer. They aren’t out to “help” anyone or rescue them from their problems. Each broke, in debt person that comes by the book signing is just another buck in the pocket.
    Man up already and at least say that’s why your in the PF business.

  39. Peter says:

    @ Jon, A writer’s efforts are his words. You may as well say, “hey, why don’t bakers come clean and say they are only there to sell baked goods for money. They all make bread, why is one baker’s bread any better than anothers?” Why shouldn’t a writer be paid for their efforts? You could bake too, why pay the baker? You can fix a car too, why pay the mechanic? Don’t slam a writer for hoping people will like *their* product enough to want to buy it and keep it rather than rent it from a library.

    Also different styles mesh with different people and different readers, even with the same basic message. A Suzy Ormon fan is not likely to be inspired by an “in your face” Winget style. Such a person may never buy a book with a bald guy on the cover. Audiences can be different for the same basic material.

    Finally, every person seems to feel that anyone who can type can write a book and get it sold. That’s complete crap. Writing a good book, or a good article, keeping it focused and on point is a talent. Frankly there’s a good reason this blog has done and continues to do as well as it has.

  40. AJ says:

    @Jon,
    We all have to earn a living and I think that doing so while helping others, and while following your passions, is what it is all about!
    I certainly hope that nurses and teachers really care about those that they take care of — but I am sure that they look forward to their paychecks also! There is no shame in making a living as long as you are doing it honorably. It can’t be ALL ABOUT the money, but money will always be a part of it.

    I just found The Simple Dollar and I really enjoy Trent’s style of writing and the information he provides. And I just bought the Larry Winget book because I do LOVE the in your face approach (and he reminds me of my husband, lol). I know that I am on the right track now, but I love to read and find that even if a book reiterates most of the same points we have heard before, there is always some value I get from it. If nothing else, it just helps me realize that I AM doing the right thing now, and reminds me of how much progress I have made.

    I personally love to support those writers that I enjoy by buying their books or donating because I truly want to give back to them for what they have done for me. Some times I may not have the $$ at that point to buy the book, but if it is one I love, I will buy it later to have or sometimes to give to someone else who can benefit from it. And I love to buy them from Amazon!

  41. gc says:

    Trent,

    Your reader Jon definitely has an issue. Maturity. Everyone that is willing to work and provide a service is worthy of their hire. If he dislikes your blog and your means of earning income then he needs to take his sour attitude elsewhere. Those that can do, those that can’t criticize and whine about those that are being productive.

    Keep up the good work. I recently shared your site with a co-worker and he was quite appreciative.

  42. Amanda says:

    @ Jon – I know I was tempted to go to Amazon – just to read other reviews of the book.

  43. Shannon says:

    I recently purchased this on audio cd, and I think that is the way to go. It is blunt and smacks you in the face, which is exactly what most people need

  44. BargainPH says:

    Make micropayments

    This is the very thing I am trying to do. That’s the thing I love about ATM. They are everywhere and I attempt to pay my credit cards with every extra money I see.

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