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Book Description

Your all-in-one guide to getting your career and finances in order for greater clarity, happiness, and peace of mind.

Studies show that if you're like the majority of young professionals, you feel dissatisfied with your job, your finances, or your overall station in life. It can seem impossible to disentangle the work stuff, the money stuff, and the personal stuff, because they're all inextricably linked. But the good news is, you don't have to go at it alone: Work Your Money, Not Your Life is your all-in-one guide to achieving both your career and financial goals so that you can get where you want to be.

In his debut book, Roger Ma, an award-winning financial planner and a publisher strategist at Google, offers secrets on how you can craft a meaningful career, gain financial comfort, and achieve a greater sense of purpose. And the premise behind it all is this: money affects every part of our lives. Simply by sorting out your personal finances (and it isn't as bad as it sounds!), you can build a foundation from which you'll be able to find the right career path, visualize your desired lifestyle, and turn your dreams into a reality.

You'll learn how to:

  • Relieve yourself of the work, money, and personal stressors that keep you up at night
  • Dispel the job myths that are preventing you from a more rewarding career
  • Apply the fundamentals of personal finance to your unique situation, without all the confusing jargon
  • Prioritize and balance your career and money needs through exercises and easy-to-use templates, launching yourself on the path to the life satisfaction you desire

When the life you're living and the life you want to live don't match up, everything feels off balance. Where do you begin trying to connect the dots? Start with this book. Through accessible, practical advice, you'll learn the career and financial strategies you need to live the life you deserve.

Table of Contents

  1. Cover
  2. Introduction
  3. Part I: Here's the Deal
    1. Chapter 1: You're Worth More Than You Think
      1. Net Worth Is Not the Be-All and End-All
      2. Saving Money Is About More Than Just Retirement
      3. How Long Is Your Runway?
      4. Breaking Free: The Power of Financial Runway
      5. You Can Take Back Control of Your Life
      6. You Don't Need to Be Financially Independent to Have Financial Flexibility
      7. Your Ideal Career Is Within Reach
      8. Notes
    2. Chapter 2: Everything You've Been Taught About Jobs Is Wrong
      1. “It's All About Money and Prestige”
      2. “The Goal of Working Is to Climb the Corporate Ladder”
      3. “Everyone Has One True Calling”
      4. “Do What You Love”
      5. “Work-Life Balance Is the Answer”
      6. Get in the Driver's Seat
      7. Notes
  4. Part II: Figure Out Your Starting Point
    1. Chapter 3: How's Your Job?
      1. Job Factor 1: Are You Getting Value?
      2. Job Factor 2: Are You Adding Value?
      3. Job Factor 3: Are You Increasing Your Value in the Market?
      4. Job Factor 4: Does Your Role Align with Your Values?
      5. Job Factor 5: Do You Feel Valued?
      6. Summarizing Your Current Job Situation
      7. Now You Know
      8. Note
    2. Chapter 4: Compiling Your Financial Report Card
      1. Metric 1: Net Worth
      2. Step 1: Input Your Account Balances
      3. Step 2: Input Your Home and Car Values
      4. Step 3: Rinse and Repeat
      5. Metric 2: Burn Rate
      6. Metric 3: Financial Runway
      7. Metric 4: Credit Reports and Scores
      8. Taking a Closer Look at Credit Scores
      9. How the FICO Scoring Model Works
      10. Summarizing Where You Are
      11. Notes
    3. Chapter 5: How to Increase Your Financial Runway
      1. What Do You Love Spending Money On?
      2. Your Financial Runway Action Plan
      3. Cut Low-Hanging Fruit
      4. Expend Some Effort
      5. Tackle the Hard Stuff
      6. Your New and Improved Financial Runway
      7. Notes
  5. Part III: Optimize Your Job
    1. Chapter 6: What Does a “Good” Job Look Like for You?
      1. Part 1: Interests and Strengths
      2. Part 2: Preferences and Priorities
      3. Step 1: Envision Your Ideal Weekday and Weekend Day
      4. Step 2: Consider Your Geographic Needs
      5. Step 3: Consider Your Financial Needs
      6. Piecing Together Your Ideal Job
    2. Chapter 7: How to Tweak Your Job
      1. What Do You Mean By “Tweak”?
      2. Getting Started
      3. How Others Made It Happen
      4. Your Turn
      5. When Is a Job Tweak Not Enough?
      6. Note
    3. Chapter 8: Supplement Your Job to Explore New Opportunities
      1. The Perks
      2. Now, Some Practical Points
      3. Getting Started: Figure Out What to Pursue and Make It a Reality
      4. Deciding Whether to Go All-In
      5. Notes
    4. Chapter 9: Prepare to Change Your Job
      1. Should You Stay, or Should You Go?
      2. Focus Your Search
      3. Step 2: Explore Through Networking
      4. Step 3: Narrow Down Possible Roles
      5. Step 4: Close the Skills Gap
      6. Ready, Set, Go!
      7. Notes
    5. Chapter 10: Take Action to Change Your Job
      1. Identify and Apply for Opportunities
      2. Position Yourself Effectively
      3. Interview Tips
      4. Evaluate Opportunities
      5. Rinse and Repeat
      6. Notes
  6. Part IV: Optimize Your Finances
    1. Chapter 11: Chart Your Goals and How Much They Will Cost
      1. Step 1: Choose Your Destination
      2. Step 2: Map Out Your Path
      3. Step 3: Refine Your Plan
      4. Are We There Yet?
      5. Note
    2. Chapter 12: What You Need to Know About Investing
      1. Why Investing Can Be Powerful
      2. Key Factors for Investing
      3. What to Invest in (Asset Allocation)
      4. Where You Can Put Each Investment (Asset Location)
      5. What You Pay to Invest (Fees and Expenses)
      6. Can I Start Investing My Money Yet?
      7. Notes
    3. Chapter 13: How to Construct Your Portfolio
      1. Step 1: Complete Prerequisites
      2. Step 2: Review Your Goals
      3. Step 3: Evaluate Your Options
      4. Your Strategy Can Change
      5. Notes
    4. Chapter 14: Protecting Your Wealth
      1. Insurance
      2. Protection Everyone Needs
      3. Protection Dependent on What You Own
      4. Protection If Someone Depends on Your Income
      5. Estate Planning
      6. Other Ways to Transfer Your Assets
      7. That Wasn't So Bad, Was It?
      8. Notes
  7. Part V: How to Stay the Course and Enjoy the Journey
    1. Chapter 15: Focus on What You Can Control and Tune out the Noise
      1. Overcome the Fear of Failure
      2. Make Time
      3. Handle Other People
      4. Feeling Good Along the Way
      5. Help Yourself
      6. Notes
    2. Chapter 16: You Don't Have to Do It Alone
      1. What Service Providers Offer
      2. Who You Can Call
      3. How to Vet a Service Provider
      4. Bottom Line
  8. Conclusion
    1. A Final Word
    2. Note
  9. Acknowledgments
  10. Index
  11. About the Authors
  12. End User License Agreement
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