Last night before leaving the university, I swung by the library and got some books on personal finance. While I was perusing through them on the subway ride home, I was struck by Adriane G. Berg’s Your Wealth Building Years. The author, Berg, is originally an attorney from New York, who it appears had a knack for writing and public speaking. So, she’s currently making a living as an consultant and speaker, her webpage is here.

Your Wealth Building Years is mostly for those who are 21 to 35, so its perfect for many new couples or people who are beginning to think about investing. While much of the content can be found elsewhere, Berg’s writing style gives the reader the feeling of being advised by a knowledgeable advocate who has your best interest in mind. In addition, Berg provides a expanded discussion of estate planning and ways to manage the psychology of building wealth. Both of these topics are typically lacking in most introductory books.

A major drawback of the book is that its old. The book was published in 1986 and hasn’t keep up with legal and accounting changes since the mid 1980s. For example, the book lacks a discussion of Roth IRA’s, and the tax rates she discusses have changed a great deal.

All in all, I’m giving the book two thumbs up. Its two decades old, but its a joy to read and is useful, so its probably worth some time tracking down a copy. You can pick one up for dirt cheap on amazon.com.

Best,

James

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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