Book Giveaway – Your Money Ratios: 8 Simple Tools for Financial Security

Your Money Ratios: 8 Simple Tools for Financial Security

by Charles Farrell, J.D., LL.M., Avery

“Best Financial Formula Book of 2009” – The Wall Street Journal
“Best of 2009 Business Book” – Reuters

According to the 2009 Retirement Confidence Survey, only 13% of workers were “very confident” about saving enough money for a comfortable retirement—down from 27% in 2007. But they need not worry anymore.

Your Money Ratios: 8 Simple Tools for Financial Security (by Charles Farrell, J.D., LL.M., Avery, on sale now) is THE definitive guide to achieving financial independence and a secure retirement. As we all know, the economy is a fickle creature but by implementing Farrell’s ratios, people of every age and tax bracket will have an integrated, proven approach to successfully managing their personal finance.

Unlike needlessly complicated guides, Your Money Ratios demystifies personal finance, providing readers with incredibly practical ratios for creating a healthy financial present and future and helps answer the basic questions of personal finance:

  • How much should I be saving each year?
  • How much should I have saved at my age?
  • How much debt should I carry?
  • How do I invest my savings?
  • What insurance do I need?

Ultimately, Your Money Ratios is not about getting rich quick. Rather, it’s about developing a long-term plan for prudently managing your finances, steadily building your assets, and last but not least, setting yourself up for a secure retirement.

This is an essential book for anyone who does not want to worry about money when they retire.

P.S. There is also a free online retirement calculator that goes along with Your Money Ratios on

More from Amazon: Your Money Ratios: 8 Simple Tools for Financial Security

To Enter:

Leave a Comment and answer me this: Do you fear saving enough for retirement? What steps do you feel you need to implement or have implemented to secure funding for your retirement?

Contest will close Saturday, May 8th at Midnight (same as this Presidential Coin giveaway). Winner will be contacted via email.

This giveaway is closed. The winner will be notified by email. Thank you for entering! 🙂 <--Congratulations to Jim!

6 thoughts on “Book Giveaway – Your Money Ratios: 8 Simple Tools for Financial Security

  1. CJ Bowker

    I don’t see the point of fearing it. That would only add extra stress. As for steps, I focus what I can control. Cash flow, savings, insurance and paying myself first.

    1. money funk

      Oh, I fear it and know I should be doing more. But, I am in the process of getting my debt paid. Once that is done…its on to building a size-able retirement account. 🙂

  2. James

    i am a fan of business books, motivational books and finance books this looks like it could be a good one.

    i like when books like this have examples that bring the stories to life.

  3. Saving Money Today

    I do fear it. My dad worked his butt off his whole life but had very little when he died. You have to look out for yourself because no one else is going to do it for you. I need to continue putting away money and building assets that can create a passive income to secure the future of my family.

  4. Jim

    “Fear” is not the right word, but “concern” is. I try to make all my financial decisions with the future in mind, eschewing those choices which are frivolous. It’s hard to ignore the instant gratification attitude that is very pervasive, but by making a few sacrifices now, you can give yourself security for the future, and most importantly, peace of mind. That’s far more important to me than having the newest flat screen or a new car. Living below one’s means is not only possible, but it’s a very liberating lifestyle–I can relax, enjoy what I have and not worry if I’m going to make it to my next paycheck.

  5. Derek Sisterhen | Past Due Radio

    Interesting questions, Christine. I’m not afraid of having enough saved for retirement. Like Jim, I try to think of the ripple effect my financial decisions will have in the months and years ahead. Fortunately, I married a woman who helps me stay grounded and make the most of today so I’m not always consumed with what may or may not happen 30 years from now!

    I’ve made plans for retirement with the assumption social security will not exist when I hit the finish line. I think getting honest with how much of the burden I must bear for my financial needs in retirement was a huge first step in making plans. It’s also liberating to know that I’m in control of my destiny on that end.

    In practice, it comes down to living on less than I make and creating a disciplined savings regimen. Delaying gratification is not very popular in our culture, but ironically, that’s what all the millionaires do. If it works for them, I’ll give it a go!

    Thanks for the post!

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