SMART COUPLES FINISH RICH(ISBN=9780767904834) 英文原版 下载 pdf 百度网盘 epub 免费 2025 电子书 mobi 在线

　　Fighting about money is the #1 reason for divorce in America.

From first-time newlyweds at the start of new careers to people

marrying later in life or on their second or third marriage,

couples face an overwhelming task when creating and managing a

two-income household. Most couples find themselves frustrated when

it comes to combining their complex financial histories, and, as a

result, both their relationships and bank accounts can

suffer.

David Bach, nationally renowned financial advisor and author of

the bestselling Smart Women Finish Rich, knows that it doesn't have

to be this way. After years of first-hand experience working with

couples young and old, David Bach reveals that through

communication and partnership, planning your finances together can

be both fun and easy when you have the right tools.

In Smart Couples Finish Rich, David Bach offers couples a

step-by-step guide to building and maintaining financial wealth for

years to come. Instead of avoiding each other when it comes time to

balance the checkbook, you and your partner will learn how to come

together and identify your core values and dreams, creating a

spending and saving plan that reflects your values as a couple.

Packed with easy-to-use tools that will take you from credit-card

management to long-term care, each chapter will guide you and your

partner as a team toward a more rewarding financial plan based on

the same overall financial objectives.

The Smart Couples Finish Rich nine-step journey provides every

couple with strategies for organization, communication, and smarter

spending that you can put into action immediately. This journey

reveals:

* The Couples' Latte Factor — how to build a million-dollar

portfolio on $3.50 a day

* How to talk to your partner about money without fighting

* How to increase your income by 10 percent in nine weeks

* The FinishRich File Folder System — giving yourself a financial

clean-up

* The 10 biggest mistakes couples can make

A book for couples of all ages and all tax brackets, Smart

Couples Finish Rich is the ultimate guide for creating a lifetime

of wealth—both personal and financial.

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　　A senior vice president of a major New York brokerage firm,

David Bach is a partner of The Bach Group, which manages

over a half-billion dollars of individual investors' money. The

national bestselling author of Smart Women Finish Rich, Bach

is the host of his own television special, "Smart Women Finish

Rich," airing on PBS nationwide. His investment principles are

taught nationally through his Smart Women Finish Rich

workshops, which are currently being hosted by 5,000 financial

advisors in 1500 cities with over 100,000 attendees annually. He

lives in San Francisco, California with his wife, Michelle.

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　　Why Smart Couples Are Taking Control of Their Financial

Future

　　I'll never forget the first fight I had with my wife Michelle

over money. We were just back from our honeymoon, and the bliss of

getting married was still in the air. Our new apartment looked

great. We were incredibly excited to be starting our lives

together.

　　As Michelle began to unpack, I sat down at the kitchen table and

started sorting through the mail. Since we'd been gone almost two

weeks, there was a lot to go through. I began separating the

important stuff from the junk mail, taking the bills that needed to

be paid and placing them in piles. Nice, neat organized piles. In

my mind, this bill-paying stuff would clearly be a nonissue. After

all, both Michelle and I were financial professionals. I managed

money for hundreds of couples; she helped corporate executives

trade restricted stock. What's more, I'd spent the last five years

teaching classes on financial management and had just started

writing a book on money for women. Paying our bills and managing

money as a couple were bound to be a breeze.

　　Neat and Simple?

　　As I sorted out the bills, I created a "David" pile and a

"Michelle" pile. This was going to be so easy. I'd pay my bills

(like my car payments and my cell phone) and Michelle would pay her

bills (like her car and her cell phone). We'd split the household

bills, which meant we needed a "we" pile. And . . . hmmm . . . who

pays the insurance bills? Well, we'll figure that out. Maybe we

also need a "to be discussed" pile. Let's see, that's four

piles.

　　Oh, here's a bill for the cleaning lady. I guess that could go in

our "we" pile. But what about this American Express bill with all

the honeymoon expenses on it? Well, the card's in my name and I

guess it's pretty much the guy's job to pay for the honeymoon, so

that should probably go in the "David" pile. Dry cleaning? Well,

even though we now get our dry cleaning done at the same place, the

account is in my name, so I guess I can pay it. Let's see?how much

does this cost? No way . . . this can't be right! How could my

dry-cleaning bill have tripled in a month?

　　Michelle was in the bedroom organizing her closet. "Honey," I

yelled to her, "do you know they charge $7 to dry-clean one of your

sweaters? How can it cost so much to dry-clean women's clothing?

And do you know you had them dry-clean seven sweaters this month?

This is insane. We're going to have to get two dry-cleaning

accounts, because I'm not paying these ridiculous prices for

you."

　　Michelle stopped what she was doing and came into the kitchen.

"Of course I know it costs $7 to dry-clean a sweater," she said.

She looked down at my nice, neat piles of bills. "Hey, what's with

all this?" she

　　asked.

　　I grinned up at her. "Oh," I said, "I'm getting things organized.

I'm separating our bills to see who pays what."

　　Michelle looked at me a little strangely. "Honey, you don't need

to waste your time doing that. This is going to be easy. We are

going to put all of our money in a joint checking account and pay

everything together."

　　"We are?"

　　"Of course we are. We're married now, we love each other, and

from now on everything we have is one and everything we do as

one."

　　"Well, actually," I said, "that's not exactly what I had in

mind." Sensing a little tension, I quickly added, "In the beginning

at least, I think it might be easier if we sort of split this stuff

up."

　　"But David," Michelle replied, "you make more and spend more than

I do. You can't expect us to just split all these bills down the

middle."

　　"Well, no, of course not," I said. "I thought I'd sort of split

them up in a way that's fair."

　　"Well, what's fair?"

　　Good point, I thought. "Well, I need to think that

through."

　　Michelle shook her head. "No, you don't. I'll tell you what's

fair. What's fair is that we put all our money in one account and

pay all the bills out of this account."

　　Something's Not Working

　　Fast-forward a few months. Michelle and I still hadn't totally

agreed on who was responsible for paying what. Unfortunately, the

bills kept arriving, just like clockwork, every 30 days. Only now

they were starting to get paid late (and, as a result, we were

getting hit with late fees).

　　Upset about all the money we were wasting on late fees, I began

freaking out and blaming Michelle for the problem. In turn, she was

telling me it was all the fault of my stupid "pile system."

Needless to say, what we were doing wasn't working. And rather than

sorting itself out, the problem was only getting worse. Instead of

sitting down and discussing how we might reconcile our clearly

different attitudes about handling money into one simple system

that worked for both of us, we were running on "assumptions." I was

assuming Michelle knew how I wanted our money to be managed, and

she was assuming I knew what she wanted to do. We were each

assuming the other was paying certain bills. We weren't on the same

page?and the consequences were that this "money stuff" was creating

more stress than it should.

　　The Good News . . .

　　Eventually, Michelle and I did come up with a system to manage

our finances together. As a result, I'm happy to report that things

are much, much better for us on the money front. We now work

together on our finances, and instead of making assumptions about

how the other one feels, we put our heads together and bounce ideas

off each other. In short, we've learned to make a priority of

discussing our finances and planning our financial goals and dreams

together. Doing this changes everything: it ends the fights and it

focuses the energy of a relationship on the positive instead of the

problems.

　　Looking back, it's not surprising that as newlyweds Michelle and

I had a hard time figuring out how to handle our finances. Even

though we both had financial backgrounds, we had never taken a

class or gotten any coaching about how to manage money as a couple.

As a result, neither of us had ever thought about how different

things become when you go from being two single people managing

your money separately as individuals to a couple managing your

money together.

　　Needless to say, what Michelle and I went through was hardly

unique. Most couples have never been taught how to plan their

financial future together. As a result, most couples rarely talk

about money . . . unless they are fighting about it. My goal with

this book is to change that. Having been a financial advisor for

nearly 10 years, and a husband now for 3, I'm happy to report that

it's both possible and fun to become a Smart Couple Who Finishes

Rich. The key to being able to "win financially" is learning how to

take the right actions in the right order. It's really not

difficult at all?especially when you do it together as a

couple.

　　In this book, we're going to work on how the two of you, as a

couple, can both talk about and handle your money in a smart way.

Whether you're just starting out or are well into midlife, whether

this is your first marriage or your fourth, this book will show you

how to get your financial goals and your personal values in synch

so they?and the two of you?can work together to make your dreams a

reality! What's more, if you have financial fears?and most people

do?you will learn how to address and overcome them as a couple.

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十几岁的年轻人总是在今天只做简单的决策，把艰巨而困难的事情拖到明天。一些人长大后，这种能力日益熟练，成年后他们往往会做出更糟糕的选择。

群体中存在强大的自我强化机制。这些机制容易导致群体极端化——群体成员最终往往会形成比他们开始时更为极端的观点，因为他们不断听到这一重复的观点。

成为一名逆势的投资者

编辑推荐

　　Like many savvy business people of the 21st century, David

Bach offered his first pearls of financial wisdom to women, in his

bestselling book Smart Women Finish Rich. Recognizing that these

women are often accompanied by significant others and that money

arguments are the number one cause of divorce in America, Bach has

now broadened his scope. Presumably intended to help change this

depressing statistic, Smart Couples Finish Rich is a well-written

financial planning tool, packed with useful charts and information,

inspiring examples, and practical advice.

　　For people who've been disappointed by the shallowness of some of

the "quick tips" self-help books out there, the subtitle of this

book is a little misleading. Bach's nine steps are not instant

change techniques or chirpy little quips to recite to yourself

whenever you go to balance your checkbook. Instead, the first few

steps include a series of exercises that will help you determine

what you know (and don't know, or understand) about saving and

investing, what role money should play in your life (which includes

understanding your values), and how to work together toward a

common financial goal. From there, Bach teaches his readers how to

account for "disappearing" money, how to build retirement,

security, and dream baskets of wealth (providing detailed options

for all three), and how to avoid the most common financial mistakes

most couples make. Though the focus of the book is predominantly on

working with your existing income, Bach includes a final chapter

entitled "Increase Your Income by 10 Percent in Nine Weeks."

　　Bach's writing style is engaging and his advice is user-friendly.

A successful financial planner, he obviously believes passionately

in all the "fringe" benefits of being financially responsible but

employs a no-nonsense approach that makes financial smarts

available to everyone. So whether you're 25 and just starting out

on the earning, saving, and spending road or you plan to retire

next year; whether you've recently got hitched for the first time

or you've just entered your fourth marriage; and whether financial

planning comes first or last on your list of fun things to do, the

advice in Smart Couples Finish Rich is worth heeding. It's not

about becoming a money-obsessed bore, it's about getting smart...

and rich. --S. Ketchum