Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth

ISBN-13: 9781119902324 / Angielski / Twarda / 2022

Zuniga-Sanchez

Recenzje

"Cindy Zuniga-Sanchez has such a gift for teaching and her straightforward guidance makes it easy for anyone pursuing financial freedom to start (or keep going)! This book is a great companion to get you through the bumps along the road so you can reach financial freedom with ease and confidence."--JEN HEMPHILL, AFC(r), host of Her Dinero Matters podcast"Too much personal finance advice is unclear, irrelevant, and outmoded. Thank the money gods for giving us Cindy Zuniga-Sanchez, who shares her personal success story in support of an even grander mission: to materially change the lives of hardworking people who've long been left out of these important conversations about building wealth."--AMANDA HOLDEN, Founder, Invested Development"In Overcoming Debt, Achieving Financial Freedom, Cindy Zuniga-Sanchez confronts the reality of a changing American Dream--one that isn't defined by a specific salary, job title or milestone, but by the flexibility, autonomy and options to spend our time, money, and energy in whatever ways align with our own personal priorities. With empathy, understanding and a clear step-by-step action plan, Cindy empowers readers to overcome common barriers, like student loans and credit card debt, to achieve that financial freedom on their own terms."--STEFANIE O'CONNELL RODRIGUEZ, Host, REAL SIMPLE Magazine's Money Confidential podcast"I'm a first gen Latina, and last Christmas my cousin asked me 'Do you know Cindy from Zero-Based Budget? She's a huge inspiration to me, as a Latina lawyer.' Cindy has written a book that my cousin and so many other Latinas need and want; it's a toolkit and representation all in one."--KARA PEREZ, Founder, Bravely Go"Cindy's powerful story and uniquely accessible way of talking about finance makes her the perfect teacher for anyone looking to transform their relationship with money, especially coming from being in debt. This book is practical, easy to understand, and takes the reader through the full process of building a healthy relationship to money without ever feeling overwhelming. I love Cindy's work!"--CHELSEA FAGAN, Founder & CEO, The Financial Diet

Spis treści

Preface xiAcknowledgments xvAbout the Author xviiPart 1 My Money Story 11 Money Lessons from the Bronx 32 Financial Hurdles in Pursuit of the American Dream 93 The Journey to Financial Freedom 17Part 2 Eight Wealth-Building Pillars 254 Take Inventory of Your Numbers 275 Choose the Best Budget for You 456 Become a Conscious Consumer 717 Save with a Purpose 878 Create Your Debt Payoff Plan 1099 Master Your Credit and Your Credit Cards 14110 Invest for Future You 16511 Increase Your Income 193Part 3 Implementing the Pillars 21112 Your Financial Roadmap 213Notes 231Index 245

O autorze

CINDY ZUNIGA-SANCHEZ is the Founder of Zero-Based Budget, where she offers personal finance education on saving, investing, and strategies for debt repayment. She has been featured in national publications, including Forbes, Kiplinger, Business Insider, and Bloomberg Opinion, and received her law degree from the Benjamin N. Cardozo School of Law.