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The One-Page Financial Plan Audiobook

The One-Page Financial Plan: A Simple Way to Be Smart About Your Money

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Publisher's Summary

Whenever I tell people about my job as a financial advisor, the conversation inevitably turns to how hopeless they feel when it comes to dealing with money. More than once, they've begged, "Just tell me what to do." It's no surprise that even my most successful friends feel confused or paralyzed. Even if they have a shelfful of personal finance books, they don't have time to make sense of all the information available. They don't just want good advice; they want the best advice - so rather than do the wrong thing, they do nothing. Their 401(k)s and bank statements pile up, unexamined or maybe even unopened.

What they don't realize is that bad calls about money aren't failures; they're just what happens when emotional creatures have to make decisions about the future with limited information. What I tell them is that we need to scrap striving for perfection and instead commit to a process of guessing and making adjustments when things go off track. Of course we're going to make the best guesses we can - but we're not going to obsess over getting them exactly right.

The fact is in a single page, you can prioritize what you really want in life and figure out how to get there. That's because a great financial plan has nothing to do with what the markets are doing, what your real estate agent is pitching, or the hot stock your brother-in-law told you about. It has everything to do with what's most important to you.

By now you may be wondering, "What about the details? How much do I need to invest each year, and how do I allocate it? How much life insurance do I need?" Don't worry: I'll cover those topics and many more, sharing strategies that will take the complexity out of them. The most important thing is getting clarity about the big picture, so you can cope with the unexpected. Maybe you'll lose the job you thought was secure; you'll take a financial risk that doesn't pan out; you'll have twins when you were budgeting for only one.

©2015 Carl Richards (P)2015 Gildan Media LLC

What Members Say

Average Customer Rating

4.4 (71 )
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  •  
    Dheenabanthan Sivalingam 04-10-15 Member Since 2014
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    "Must read for every one"

    Any one who wants to have a secure financial plan need to read this. Talks about complex topics and small bit size pieces.

    1 of 1 people found this review helpful
  •  
    Jaymanracerx 08-23-16 Member Since 2014
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    "I'm a Financial Planner... and LOVED IT!"

    Awesome, and great narration! Five stars and more. I'm a financial planner and founds this book a real asset tony practice.

    0 of 0 people found this review helpful
  •  
    MyDerrick 05-03-16
    MyDerrick 05-03-16 Member Since 2015
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    "Plain simple for a start"

    Good book with simple advice you can actually use and leverage on. No fluff and it is to the point. One key point to me was the fact that every situation is different and hence we don't all require the same prescription when deciding on a financial plan.

    0 of 0 people found this review helpful
  •  
    Scott Hamilton San Francisco Bay Area 03-31-16
    Scott Hamilton San Francisco Bay Area 03-31-16 Member Since 2015
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    "Simple but Life Changing"

    Short book, very well written, but full of timeless advice for anyone who is ready to change their financial habits. I listened to it at the gym. Highly recommended.

    0 of 0 people found this review helpful
  •  
    David Saint Peters, Macau 10-29-15
    David Saint Peters, Macau 10-29-15 Member Since 2009
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    "Concise and very informative"

    The authors style is direct and to the point. This is the kind of information I was looking for.

    0 of 0 people found this review helpful
  •  
    William 10-06-15
    William 10-06-15 Member Since 2015
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    "Excellent PF advice for modern times."

    This book concisely and logically sums up many of the PF podcasts I've heard in the past year.

    0 of 0 people found this review helpful
  •  
    Joshua P. 06-09-15
    Joshua P. 06-09-15 Member Since 2013
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    "Anyone worried about money at all should list n to this book."

    This book is a terrific help to me and my wife. We are revising our financial plan and this book has wonderful advice.Thanks, Carl!

    0 of 0 people found this review helpful
  •  
    Joel Kelley 05-09-15
    Joel Kelley 05-09-15
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    "Great Grounding for any Advisor or Individual"

    Thanks Carl- just listened to your book on a cross country flight. As an Advisor, I am challenged each day to communicate our Firm's philosophy to our clients. You have presented a complete and consistent message that bears repeating at every opportunity. The best approach for financial decision making is the simplest approach and it starts and ends with a question: What do you value about money?
    You have affirmed why I have been a fan of yours for many years- keep up the good work- that of a real advisor!

    0 of 0 people found this review helpful

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