- Gebundene Ausgabe: 320 Seiten
- Verlag: HarperBusiness; Auflage: First Edition (7. November 1997)
- Sprache: Englisch
- ISBN-10: 0887308678
- ISBN-13: 978-0887308673
- Größe und/oder Gewicht: 15,6 x 2,7 x 23,5 cm
- Durchschnittliche Kundenbewertung: 32 Kundenrezensionen
- Amazon Bestseller-Rang: Nr. 1.737.520 in Fremdsprachige Bücher (Siehe Top 100 in Fremdsprachige Bücher)
- Komplettes Inhaltsverzeichnis ansehen
Die Broke: A Radical Four-Part Financial Plan (Englisch) Gebundene Ausgabe – 7. November 1997
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Baby boomers, forget all you've learned from your parents about managing your money, your career, and your life. In Die Broke, Stephan Pollan challenges readers to rethink their notions of workplace, money, retirement, and inheritance. He believes that most of us are rooted in thinking that's out of sync with the realities of today's economy. For example, according to Pollan, the "job" is not what it used to be--there's no such thing as corporate loyalty. Making it in today's workplace means putting your own interests first, not your company's. Pollan argues that you should do your best at work, but make sure you're getting the best deal financially. If you're not, then get another job. After all, it's only a job.
Die Broke is organized into two sections: the first lays out the principles for dying broke. Pollan bases his whole argument on these four maxims: quit today and work for yourself, not your company; pay cash, melt your credit cards, and don't even think about using your ATM card; don't retire, retirement is a relatively new concept created during the Depression, instead plan to work all your life, and; die broke, after all, you can't take it with you.
The second part looks at specific instances of how to put this philosophy into action, covering everything from "Automated Teller Machines and Cards" and "Umbrella Liability Insurance" to "Mortgage Loans" and "Real Estate Investment Trusts." The book draws on Pollan's experience as a financial and legal consultant and includes many examples from his own practice.
Some may find Pollan's views extreme. However, if you're starting to think about retirement or are at all worried about your financial future, Die Broke is worth a look. Even if you think you've got it all figured out, this book could change your mind.
"Smoothly written...a treasure chest of financial advice." -- "USA Today""If you're unhappy with conventional thinking about how we live and plan our lives, this book will speak to you." -- Scott Burns, "Dallas Morning News"""Die Broke is more than a guide to personal finance, it's a code of values, many of which run contrary to instinct."-- "Sales and Marketing Management -- Dieser Text bezieht sich auf eine andere Ausgabe: Taschenbuch.Alle Produktbeschreibungen
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The standard financial goals are great for financial advisors, insurance sales people, lawyers, accountants, and so forth. Are they really good for you? I often wondered. If you spend a lot of time thinking about the unthinkable, are you better off?
Or would you be better off realizing that modest financial accomplishments are more than adequate for most of your purposes? I think the latter is more stress reducing than the former. Many rich people are miserable, as they worry about their money and whether they have enough to outlast ever possible bad event. I have nothing against money, but it is hardly worth that much attention and emotion.
The weakness of the book is that it is too centered on financial planning. For example, a job is described as just a way to get cash flow, not satisfaction. I really disagree with that one. A job can be both, but you have to put some effort into finding the right job.
The sections on helping your parents and children die broke are a good idea, because getting alignment with their financial goals makes your own planning easier.
I especially agree with the advice of not retiring -- especially if you find something you like to do. My father didn't finally retire until he was 79, and his health greatly benfitted from his continuing activity. I don't plan to retire. I have too many things I would like to do in my line of work to ever retire (assuming my health is good). That decision probably saves me several million dollars I would have to save between now and normal retirement time. What a relief? I can have time to read books and write reviews on Amazon.com instead!
Seriously, this book is a good counterpoint to the conventional wisdom. You may or may not agree that all this advice is for you, but you will be better off for knowing that alternatives to normal financial planning can be appropriate. I especially liked the discussion of how to offset risks that people normally hedge by building liquid net worth. The alternatives are usually cheaper.
So banish your stalled thinking and develop financial goals that make sense for you, not just for those who want to benefit from your labor and savings! Now that's an irresitible idea!
Die Broke is a thought-provoking read, but its thesis should be taken with a large grain of salt. This plan is mostly useful if you are incapable of saving effectively, or you've started too late. It's written for the undisciplined high-earner.
Frugality is always a good idea. Maximizing your income is a good idea. Dodging estate tax by gifting is a good idea. But none of these are new ideas. They don't change the fact that to become wealthy and live the good life, you need to spend less than you take in, invest the income wisely, and generate as much income in the first place as possible.
The book contains some useful easy-to-accesss reference information (though it isn't really high quality), but no great insight, despite the author's claims about his "revolutionary" ideas.
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