Description: FREE SHIPPING UK WIDE Cashing Out by Julien Saunders, Kiersten Saunders "You no longer have to be a cog in the machine that leaves you under-appreciated and underpaid. Cashing Out shows you how to open the door to a new kind of prosperity-one that puts you and your community first"-- FORMAT Paperback LANGUAGE English CONDITION Brand New Publisher Description A revolutionary financial and career path to break free from corporate Americas grasp, make peace with your finances, and build wealth on your own termsA revolutionary financial and career path to break free from corporate Americas grasp, make peace with your finances, and build wealth on your own termsWhen it comes to our finances, were told to follow the same script as our white colleagues- work hard, make money, save, and invest. Yet despite putting in twice the effort, you end up making less and are routinely passed up for career opportunities. Heres the truth- financial freedom is within your reach, but playing by corporate Americas rules will only take you halfway there. To win, you must eventually walk away-and take up an entirely different model of wealth accumulation.Cashing Out is your roadmap to financial freedom despite the broken system. You dont have to sacrifice your time and mental health to maximize income. Instead, financial experts Julien and Kiersten Saunders show how to design a life that allows you to enjoy the little things now while setting yourself up for future financial security. Drawing from their journey paying off $200,000 of debt in five years, quitting their high-stress corporate jobs, and retaking control of their finances, this book will teach you-. Why the mantra and glitz of "Black Excellence" is an unsustainable motivation for wealth building. How to prioritize the right goals at each stage of your career so you can quit in 15 years or less. How to talk about money with your loved ones without coming to blows. Practical strategies to bring more money in without robbing you of time and energy you dont haveIts time to stop being a cog in the machine that leaves you under-appreciated and underpaid. Cashing Out shows you how to open the door to a new kind of prosperity. Author Biography Julien and Kiersten Saunders are the Atlanta-based co-creators of the lifestyle blog Rich & Regular. Together, they paid off $200k in debt in five years and were able to walk away from their corporate jobs before turning 40. Review "Cashing Out feels like the talk you desperately needed from the big cousins youve always looked up to. Its filled with gems about money, navigating your career and most importantly—relationships—from people whove done it successfully. You can literally feel the love and wisdom theyve poured into every single chapter." –Anthony ONeal, speaker and author of Debt-Free Degree "Read this book. Read it for the cool stories. Read it for the cool concepts. But mostly read it because it just might nudge you toward a far freer, richer and more rewarding life." –J.L. Collins, author of The Simple Path to Wealth"The ideas in this book have the power to change the wealth trajectories of Black folks everywhere." –Jewel Burks Solomon, Managing Partner, Collab Capital and Head of Google for Startups, US "An honest and encouraging approach, with a dash of tough love, to help you determine what it takes to be financially, emotionally and mentally wealthy." –Erin Lowry, author of the Broke Millennial series "Its rare to find a solid personal finance guide thats so full of love. Kiersten and Julien know their stuff, but they never put themselves on a pedestal. Instead, they nudge you along to your best financial life like your favorite older siblings, sharing their own vulnerabilities, acknowledging the many systemic barriers that exist, and never making you feel bad for your past choices." –Tanja Hester, author of Work Optional and Wallet Activism"Kiersten and Julien avoid the B.S. that plagues most money manuals, opting instead to provide readers with the knowledge and confidence necessary to save, invest, and—in time—cash out by cashing in on the American Dream. Highly recommended." –J.D. Roth, founder Get Rich Slowly "Packed with brilliant storytelling and hard truths about Corporate America, this book skillfully lays out how Black and Brown people must shift our mindset, plan to exit the rat race, and double down on strategies that offer financial independence on our terms. Frankly, its a much-needed message thats long overdue." –Lynnette Khalfani-Cox, The Money Coach(R) and author of Zero Debt "By the time you conclude this book, you will have both the practical steps to execute and the necessary paradigm shift needed to remain in the drivers seat of your financial destiny." –Talaat and Tai McNeely, founders of His and Her Money"This book is a breath of fresh air. Kiersten and Julien make these concepts not only inclusive, but accessible and emotionally powerful. It reads beautifully, and youll walk away with not only next steps to help improve your financial life but the inspiration and emotional drive to make it happen." –Tori Dunlap, founder of Her First $100k "Cashing Out keeps it real about finances. This book is for everyone, especially Black people, who are on any stage of their journey towards financial freedom and need the exact steps to get there." –Dawn Dickson, serial entrepreneur Review Quote " Cashing Out feels like the talk you desperately needed from the big cousins youve always looked up to. Its filled with gems about money, navigating your career and most importantly--relationships--from people whove done it successfully. You can literally feel the love and wisdom theyve poured into every single chapter." - Anthony ONeal, speaker and author of Debt-Free Degree "Read this book. Read it for the cool stories. Read it for the cool concepts. But mostly read it because it just might nudge you toward a far freer, richer and more rewarding life." -J.L. Collins, author of The Simple Path to Wealth "The ideas in this book have the power to change the wealth trajectories of Black folks everywhere." -Jewel Burks Solomon, Managing Partner, Collab Capital and Head of Google for Startups, US "An honest and encouraging approach, with a dash of tough love, to help you determine what it takes to be financially, emotionally and mentally wealthy." -Erin Lowry, author of the Broke Millennial series "Its rare to find a solid personal finance guide thats so full of love. Kiersten and Julien know their stuff, but they never put themselves on a pedestal. Instead, they nudge you along to your best financial life like your favorite older siblings, sharing their own vulnerabilities, acknowledging the many systemic barriers that exist, and never making you feel bad for your past choices." -Tanja Hester, author of Work Optional and Wallet Activism "Kiersten and Julien avoid the B.S. that plagues most money manuals, opting instead to provide readers with the knowledge and confidence necessary to save, invest, and--in time--cash out by cashing in on the American Dream. Highly recommended." -J.D. Roth, founder Get Rich Slowly "Packed with brilliant storytelling and hard truths about Corporate America, this book skillfully lays out how Black and Brown people must shift our mindset, plan to exit the rat race, and double down on strategies that offer financial independence on our terms. Frankly, its a much-needed message thats long overdue." -Lynnette Khalfani-Cox, The Money Coach(R) and author of Zero Debt "By the time you conclude this book, you will have both the practical steps to execute and the necessary paradigm shift needed to remain in the drivers seat of your financial destiny." -Talaat and Tai McNeely, founders of His and Her Money "This book is a breath of fresh air. Kiersten and Julien make these concepts not only inclusive, but accessible and emotionally powerful. It reads beautifully, and youll walk away with not only next steps to help improve your financial life but the inspiration and emotional drive to make it happen." -Tori Dunlap, founder of Her First $100k " Cashing Out keeps it real about finances. This book is for everyone, especially Black people, who are on any stage of their journey towards financial freedom and need the exact steps to get there." -Dawn Dickson, serial entrepreneur Excerpt from Book Chapter 1 Your Wake-Up Call In 2017, we stumbled upon a statistic that stopped us in our tracks. It was from a report that was making the rounds in the media because of one startling prediction: median Black wealth in the United States was on track to be $0 by the year 2053. The report painted a grim picture of the shrinking Black American balance sheet and offered historical context for how we got here: the legacy of slavery; disadvantaged school systems; housing discrimination; the racial wage gap; unfair hiring practices, credit scoring, and lending practices; and even domestic terrorism. We were familiar with all these forces individually, but this was the first time wed ever seen a dollar value and date assigned to the impact of their combined weight. It was utterly heartbreaking, but it confirmed much of what we suspected to be true: despite outward appearances and a few comforts here and there, most people we knew were flat broke. Sure, most of them were college graduates who had good jobs with salaries that allowed them to live in beautiful homes and drive luxury cars. But they were completely missing the bigger picture. To earn the big salary, they had to take on huge amounts of debt and embed themselves in workplaces they didnt feel entirely comfortable in. To maintain the appearance of success, they were in significant amounts of revolving credit card debt. And at home, with the little energy they had left after pretending to be someone they werent, they found themselves exhausted, unable to recognize themselves. Something didnt add up. At the end of the month, there was little if anything left over and almost nothing going toward saving for the future. After housing, transportation, food, student loans, insurance, and childcare, theyd find themselves questioning whether they could afford to get a side of guacamole with their burrito. Theyd wonder where all their money went, whether college was even worth it, and why they didnt feel as good as they thought they would after landing the job of their dreams. It was clear there was a growing disconnect between the pride they felt when they were on the job and the challenges they experienced measuring their overall progress. In essence, our friends, family, and co-workers were working their butts off to keep their heads above water, proverbial hamsters on a wheel, yet they were going nowhere fast. Even those we knew who had well-paying jobs didnt have much to show for it, because they took on massive student loan debt to get there, sometimes well over $100,000. Wed ask them, "Whats the plan?" and their responses were all the same-a collection of flippant, defeated, or wildly optimistic one-liners that were great for pivoting out of uncomfortable conversations but did little to explain how they planned to dig themselves out of a ditch. "Just gotta keep grinding." "It is what it is . . . right?" "If I get into this program, my debt will be forgiven after twenty years of service." None of these instilled much confidence. Even more concerning was the number of people who believed going back to school and incurring even more debt was the only path to financial freedom. Despite being some of the smartest people we knew, they werent thinking critically, or at least werent being honest with themselves. Rather, they were all reading from a script, playing a character in a television drama. You know the one-the friend who projects bravado but underneath it all doesnt like the person they see in the mirror and is deathly afraid of what the future holds. You may have someone like this in your life. And if youre being completely honest with yourself, that someone may be you. To get ahold of people who have all the intellect but seemingly little courage to act, you need a wake-up call. A Quick Introduction Before we dive in, its best if we pause for just a moment to introduce ourselves. Were Kiersten and Julien Saunders. After meeting in 2012, we set out on a path to learn as much as we could about money and apply it to our life. In the next five years, wed go on to achieve complete debt freedom, including paying off the mortgage on our primary home, student loans, credit card debt, car loans, and tax debt. We took it a step further by choosing to self-manage our investment portfolio instead of using a financial adviser, boosted our saving rate, and built a small rental property portfolio in addition to working our corporate jobs. Through frugal living, simple investing, grit, and creativity, weve amassed a net worth that ranks us in the 90th percentile of families in our age-group in the United States. But our goal has never been to build wealth simply to benefit ourselves. We have a deep love for our community and understand the critical role money plays in helping families build better lives. So through our award-winning blog, podcast, video series, and more, were focused on inspiring, educating, and empowering as many people as possible to achieve their financial goals. As you flip through these pages, well share everything weve learned with you; youll learn more about who we are as individuals and as a family. You should also know that for the majority of this book, well be speaking in the first person and from a plural point of view. On the few occasions where we do change it up, well be sure to let you know so you dont get confused. The Wake-Up Call One night as we were lying in bed preparing to go to sleep, the phone rang. It was Juliens mother, and the strain in her voice indicated something was wrong. She said she was in the emergency room because her blood pressure was high. Even after taking her medication, she hadnt been able to get it down to a normal rate. This wasnt the first time shed gone to the hospital for this reason, so we were worried. We attended her next cardiologist visits with her, and while there, we were taken aback by how frank the doctor was. He told her she had two choices: She could lose weight, and as the pounds fell off, he would slowly wean her off the array of medications she was on. Alternatively, she could do nothing. He would keep tweaking her prescriptions until they found an effective treatment plan, and she would sign up for an ongoing battle to find the right blend of pills for the rest of her life. The doctor was matter-of-fact but charming (in an old Southern Baptist kind of way). He knew when to play dumb, how to gently probe for answers, and when to be the adult in the room. He even shared his story of helping his own mother lose weight so she could live a more fulfilling life in her golden years. But we were most impressed with his ability to set expectations for the coming months. He made it very clear, in no uncertain terms, that she would set the tone for her treatment, not him. In the middle of all this, Kiersten received similar news. Her father, whom we affectionately call Blue, had been diagnosed with stage 2 cancer. It was a somber and slow conversation where the pauses and silence took up more space than the words. "Well," Blue said in his signature Texas drawl, "it looks like years of living the good life finally caught up with me." He was careful not to convey too much optimism-he wasnt quite sure that everything would turn out okay-but he told us his doctor said his was her "favorite kind of cancer." She reassured him by saying, "You do your part, and Ill do mine." In two separate situations, two doctors had found a way to help their patients understand the stakes and accept less than ideal solutions. Within weeks, Juliens mom completely changed her diet, tripled the distance she usually walked, and lost several inches around her waistline. Blue started chemotherapy, quit smoking, and gave up alcohol during his treatment. We were relieved, but, perhaps even more so, we were shocked: our parents, in their sixties and seventies, made swift and drastic lifestyle choices for the better. Losing weight and chemotherapy are both notoriously imperfect and uncomfortable solutions. Both required our parents to limit or entirely remove parts of their lifestyle theyd come to enjoy. But with seemingly little persuasion, they found the will to live. And what started as terrifying moments for our family turned into much-needed stories of recovery and resilience. Once our parents were given a wake-up call (sprinkled with some encouragement and humor), and then given the control of their own destinies, they made life-altering changes. Changes they probably knew they should have made years earlier but for some reason hadnt sunk in. We hope to do exactly that for you. Deliver a bold wake-up call (sprinkled with encouragement and humor) and offer you the reins back to your own financial health. Now, you may be thinking the stakes for a life-threatening physical health condition are higher than those for financial health, or that you can treat improving your understanding of money with less urgency. But we believe otherwise. We believe your ability to earn, save, and grow money is central to your quality of life. In fact, the inability to manage your money effectively can have a direct impact on your health and career choices. It can also affect your ability to maintain relationships, support family in need, or take breaks when you need them. Lets be honest, havent we all witnessed an increase in GoFundMe campaigns in recent years because families dont Details ISBN0593329554 Author Kiersten Saunders Short Title Cashing Out Pages 272 Language English Year 2022 ISBN-10 0593329554 ISBN-13 9780593329559 Publication Date 2022-06-14 Place of Publication New York Country of Publication United States US Release Date 2022-06-14 UK Release Date 2022-06-14 Format Paperback Subtitle Win the Wealth Game By Walking Away DEWEY 332.02408996073 Audience General NZ Release Date 2022-06-07 AU Release Date 2022-06-07 Publisher Penguin Putnam Inc Imprint Portfolio We've got this At The Nile, if you're looking for it, we've got it. With fast shipping, low prices, friendly service and well over a million items - you're bound to find what you want, at a price you'll love! 30 DAY RETURN POLICY No questions asked, 30 day returns! FREE DELIVERY No matter where you are in the UK, delivery is free. 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