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　　Get Rich, Don't ***

Today, more than ever before, wealth is something every woman has

the power to create. Yet Jean Chatzky c***tantly hears all the

excuses why women can’t and don’t master their money. Now, she

reveals the secrets and the strategies she created to take control

of her own money–strategies through which she gained her “money

confidence.” It’s time for you to find yours!

In Make Money, Not Excuses Jean shares these valuable

less***:

? Where to start

? How to get over your “I’m not smart enough to deal with money”

feelings

? Why being a “good-enough investor” will make more money for you

in

the long-term (while trying to be a “great investor” will drive

you crazy)

? How (and where) to save your money

? Why women make better investors––and higher returns––than

men

? How to track where you’re overspending

? How to pay off your debt

Jean is unsurpassed in her ability to explain money and investing

in ***, straightforward ways. Here she breaks down the scariest

parts of dealing with money–from investing in stocks to saving for

your retirement–and makes them practical, easy, empowering, and,

yes, even enjoyable. This is your road map to real wealth.

“Chatzky writes like the smart, candid best friend you wish you

had.”

–Newsweek

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　　Jean Chatzky is the editor at large for Money magazine and is

the financial editor for NBC’s Today show. She is a columnist for

Time magazine, the Daily News, and Travel + Leisure. She is also

the host of an upcoming PBS weekly series, Jean Chatzky’s Your

Money, and the author of four books, including the bestseller Pay

It Down!

　　From the Hardcover edition.

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　　“I Don’t Know Where to Begin”

　　Don’t ***

　　Getting Over the Unknown

　　I am one of the fortunate people who really like what they do for

a living. One of the main reas*** I enjoy my work is that it takes

me out into the world. About once a month I travel to far-flung

places such as Phoenix (Arizona), Pasadena (California), Fort Worth

(Texas), or Fort Wayne (Indiana) to talk to groups of people—often

groups of women—about money. My favorite part of these journeys

isn’t the half-hour or so prepared speech I get to give. It’s the

question-and-answer session that comes after. Some of the questi***

are always regional (“Is now a good time to buy a house in this

market?” or “What do you think of the future of the big national

corporate conglomerate that just happens to be based three miles

down the road?”). But others are so wide-ranging I can count on

them being raised whether I’m holding court in Detroit, Duluth, or

Des Moines. Someone generally wants to know: “What’s the best way

to choose a financial adviser?” Someone else typically asks:

“Should I be buying long-term-care insurance for me or my

parents?”

　　But the question I get asked more than any other—the one I get

asked every single time—is the following. It’s never first. In

fact, it’s often last . . . as if the person speaking waited until

the moderator said, “We have time for only three more.” It usually

comes out of the mouth of someone who feels a little silly asking

it—who prefaces her question with an apology to me and the rest of

the audience for being “so basic.” And it goes like this:

　　I don’t even know where to start. I mean, really. I feel like I

know so little about my money that I don’t even know where to

begin. Can you point me to a book or a magazine or a website or

something that can get me going?

　　Sometimes, the floodgates really open, and the questioner ends

with the complete truth, confession-style: “I’m tired of feeling

like a total idiot about my money.”

　　I have to admit, the person who asks this question immediately

becomes my favorite person in any crowd. Not just because she dug

deep and was honest about wanting help. But because now that she’s

revealed that she’s looking for help, I can do something for

her.

　　As I collected—via e-mail—letters and excuses from women around

the country about why they don’t take a more active role managing

their money, this feeling of total inadequacy popped up again and

again. From young women, olde***omen, women with college and

graduate degrees, women in the workforce, stay-at-home moms . . .

in othe***ords, from all types of women, in all parts of the

country.

　　This one, from Rebecca, a stay-at-home mom, is typical:

　　For anything else in my life, I would get on the Internet, read

some articles, talk to some people I know, and make a decision. But

I’m paralyzed when it comes to money. I don’t even know where to

start.

　　Jennifer, a publicist, put it even more succinctly:

　　I don’t know where to begin.

　　This Is Where You Begin

　　You’re in the right place: This is where you start. In this

chapter, I’m going to give you a set of tools you can rely on to

make any financial decision, to sound brilliant defending why

you’re *** it, and to quickly get on the road to a richer

life.

　　But first, let’s explore why you can’t get started with your

money.

　　Rebecca put it really well when she said: “For anything else in

my life, I would get on the Internet, read some articles, talk to

some people I know, and make a decision.” That, in a nutshell, is

how women make nearly every large, important decision. We do our

homework using the resources at our fingertips—the Internet,

newspapers, and magazines. We tend to be c***ensus builders so we

gather the opini*** of the people we trust most: our mothers,

sisters, and girlfriends. We take our time readying a case we could

defend in the toughest of courts, and then (only then) do we pull

the trigger.

　　Most of the time, as we’ve learned through experience, that sort

of decision *** works fine. Say you’re an East Coaster trying to

plan a vacation for your family of five. You know you want to go to

the beach in December. So you hop on the Internet and go to a site

like weather.com. You learn that at that time of year Florida’s

weather is inc***istent but the Caribbean can be counted on for

sun. Your spouse wants a direct flight, so that eliminates a few of

the smaller islands. You both want a short flight, so you focus in

on Puerto Rico. Next you surf to tripadvisor.com to see what people

are recommending as kid-friendly places to stay. You narrow your

search to a Westin and a Hyatt. Finally, you talk to your friends

who have been to Puerto Rico, settle on a ***el, book flights, and

emerge confident you’ll have a great vacation.

　　And that’s, as I said, a fairly large, important, expensive

decision. You make smaller decisi*** with confidence every single

day. Paper or plastic? Grey’s Anatomy or Law and Order? Coke,

Pepsi, or—what the heck—Fresca? You blow through them as though

they’re absolutely nothing. If, occasionally, you hit a stumbling

block—heels or flats? pants or a skirt?—a little trial and error

(or a call to a close friend) does the trick.

　　Why are you able to make these decisi***—large and small—with

such aplomb? Because you’ve learned, over the course of your life,

that for you there are right and wrong answers. Fresca gets drunk

in your house; Pepsi sits in the pantry. Grey’s Dr. McDreamy does

more for you then Law’s not-so-dreamy detectives. Unless you’re

fighting a spouse over the remote, there’s no argument. One is

better. One is right.

　　Yet in the world of money—particularly in the world of

investing—there are few right answers. Which stock is the best one

to buy? Which mutual fund will rise the fastest? People may claim

to know (just turn on CNBC and you’ll see a dozen of them within an

hour), but no one really does. That makes it tough to get to the

starting line, particularly fo***omen.

　　We like to know the outcome before we make any decision. That’s

why we not only cook from recipes but prefer that those recipes

come from Julia or Martha or Rachael because we’ve learned that we

can trust them. We may loooove Tom Hanks as much as we love our

spouses, but we’re willing to spend $10.50 for a ticket to his

latest picture only afte***e’ve read a handful of uncontested

reviews. Everything from the books we select for our book clubs to

the doctors we see for our children gets sliced and diced and

picked apart and commented on before we step up to the plate.

　　And women not only need more information but need it to be broken

down into small, digestible pieces. Along the way, if we’re not

convinced of a particular piece, we stop and ask for help—we’d

prefer it from trusted sources. (Figuring out how to get good help

is such a conundrum fo***omen that I deal with that matter

specifically in Chapter 9.) Not surprisingly, it takes women longer

than men to make most decisi***. Not just about money, about

everything. Men don’t need to know the answer before they tackle

the question. They tend to say, “Gimme the facts, gimme the

figures, gimme the logic and the rationale, and let me build a

machine.” It’s very much a left-brain approach. They work from

start to finish, from left to right, from point A to point B. If

they like Denzel Washington, knowing that Denzel Washington is in a

new movie is enough to make them buy a ticket. If the end result

isn’t totally to their liking, they either fiddle with the decision

to make it more acceptable or—more likely—figure out a way to

defend it, convincing everyone around them (and themselves in the

process) that the outcome was precisely the result they had in mind

all along.

　　And there are other complicating factors:

　　?The world of money has its own vocabulary. Don’t worry, I define

terms—in English—beginning on page 251.)

　　?The world of money is shrouded in secrecy. Some progress has

been made, but talking about financial things—how much credit card

debt you’re carrying, the size of your student loans—just isn’t

polite. If the number is too high, friends will think you’re

bragging. If it’s too low, they’ll think you’re asking for a

handout. Nobody wins.

　　?The world of money involves higher stakes than picking a movie

to see on date night. When you’re deciding whether to contribute to

a 401(k) and how to invest the money you’re contributing, whether

to refinance the mortgage, whether to accept a new job, whether to

buy life insurance, o***hom to name as guardian for your kids in

you***ill, money decisi*** tend to be important, potentially

life-changing decisi***.

　　And there are no right answers. Of course you’re stuck.

　　The Power of “Good Enough”

　　The logical next question is: How do you get unstuck? Step one is

getting yourself to acknowledge—no, more than that—to really

believe, that in this particular area of your life, you do not have

to be right. Yes, you heard me correctly. You don’t have to be

right. Not only that:

　　You don’t have to be perfect.

　　You don’t have to be the best.

　　You don’t have to be at the top of some class.

　　You don’t hav...

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　　Praise for Jean's Work:

　　“Simply brilliant.” —Robert T. Kiyosaki, author of Rich Dad, Poor

Dad

　　From the Hardcover edition.