How to Manage Your Money When You Don’t Have Any

By: Erik Wecks

Narrated by: Neil Hellegers

Length: 4 hrs and 47 mins

Publisher's Summary

Unlike many personal finance books, How to Manage Your Money When You Don't Have Any was specifically written for Americans who struggle to make it on a monthly basis. It provides a respectful, no-nonsense look at the difficult realities of our modern economy along with an easy-to-follow path toward better financial stability that will give hope to even the most financially strapped households.

Created by a financial expert who hasn't struck it rich, this guide offers a firsthand story of financial survival in the face of rough times. Rather than emphasizing wealth creation, How to Manage Your Money When You Don't Have Any teaches listeners to do the best they can with their incomes no matter their size. Content rich, personal, and jargon free, the book is opinionated, at times humorous, and full of current everyday references.

©2015 Erik Wecks (P)2016 Tantor

For the non-millionaires...

Would you listen to How to Manage Your Money When You Don’t Have Any again? Why?

Absolutely, and I intend to. The books ideas are very simple in concept but very deep in practice. You need to use this book as a tool for the everyday man finances. If you have some sort of inheritance and you dont live paycheck to paycheck....skip this book and go learn how to invest your money. If you just want to survive without being a slave to your bi-weekly check...keep on reading.

What did you like best about this story?

Every chapter applied to a situation in my life.

Have you listened to any of Neil Hellegers’s other performances before? How does this one compare?

I have not, so I cannot comment.

What insight do you think you’ll apply from How to Manage Your Money When You Don’t Have Any?

Already created a budget...its already eye opening.

Any additional comments?

Like I said up there....dont buy this if you are upper middle class. I wish I had read this book when I was a junior in highschool instead of at 29.

Horrible assumptions

Financial advise from what sounds like a high school graduate who failed to look up what the law was. Horrible assumptions are made about tax, accounting, banking and bankruptcy throughout this book about how you lose your retirement if you file bankruptcy or how can't force mediation if you are in a foreclosure. The retirement exemption is just about unlimited and a federal statute is often used in foreclosures to force mediation although there may only be one state statute. I shudder and pity anyone who listens to this for foreclosure or bankruptcy advise. This author just gets it all wrong over, over and over again. The book is largely just a basic reworking of Dave Ramsey who also uses scare tactics and assumption about debt and bankruptcy. I do like the overall attitudes like debt is bad. But some of the things he is wrong about make you to come out of your chair. Debt is bad if it does not end up giving you a profit and normally should be avoided. But debt and bankruptcy both may be proper at times. Both may be a necessary answer when it is appropriate. Debt is not normally proper to purchase consumer items. Debt may be proper if it returns a profit (ROI). Bankruptcy is a surgical tool to eliminate debt when debt becomes an illness to financial health like a cancer. How can these financial gurus get this so wrong after 3 different government studies have shown bankruptcy increases personal wealth when it is used strategically. He comes off with the attitude all students have to repay student loans in full when there are income based repayment plans, undue hardship discharges and over 100 programs to reduce or eliminate the student loans. He just simply gets it wrong over and over and over but with the best of intentions. I agree student loans need to return the investment which is what he is trying to say but it is incorrect to say student loans can never be managed or discharged administratively or in bankruptcy. The author does a slightly better job at recognizing debt and bankruptcy has a place than Dave Ramsey. But his assumptions about the law made me want to laugh at some times and vomit at other times. The author assumes many legal items which he just gets dead wrong because he is not a CPA or experienced bankruptcy attorney.

Essential advice and great narration!

What did you love best about How to Manage Your Money When You Don’t Have Any?

The author Eri Wecks has actually had the experience of struggling with money, and he gives essential advice and tools to deal with debt and other practical issues. He's also spot on dealing with money management in relationships, so I recommend especially if you are having any issues in this department. Neil Hellegers' voice is sharp and enjoyable to listen to as the narrator. This book made me think, and it's given me tools to take action to change my financial situation. It's also short and to the point, which I appreciated. If you listen to one book about managing your finances, this is the one!

Very informative

I really enjoyed this book. He breaks down and gives much needed advice to those who are either new or old to finances. I highly recommend this book to anyone whether your just starting college, just graduated, or raising a family. There a keys and points in this book that will help you tremendously.

Defined plan to be debt free

I felt like he was taking directly to me about my financial struggles. I've taken into consideration a lot of his advice and I know will be financially stable by doing it right!

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Great book for us working class ppl. Very useful and informative. Great tips with everyday practicality.

Simple to understand

Been looking for a simple down to earth financial money book and I found it..

Super good book. Must read!

Great book if ur having problems budgeting your money, lots of useful tools. Pretty excited to utilize them. Thanks

Complete Disappointment!

What a complete disappointment! Absolutely no new information!! All he did was take Dave Ramsey's Baby Steps System and reword it into Military analogies! He even admits that he is STILL in debt, that he has a *40* year mortgage (which he switched to from a 30 year AFTER writing the 1st edition of this book) and more. If I could get a refund for this digitally purchased Audible book ... I would jump on it in a flat second! Wait a huge waste of my time and money!!!

Absolutely phenomenal book!

I have learned so much about finance in my life and pretty much thought I had such a good grip on budgeting. Boy was I wrong... Erik Wecks book is really simple and to the point. It’s a must read for anyone looking to have a more stress free relationship with their money regardless of income level.