Reddit mentions of All Your Worth: The Ultimate Lifetime Money Plan

Here are some of my best & worst decisions financially. (edited, with how strong an idea I think it is)

• (good) The rule of three, a good set of rules to get you out of debt.
  
  • 1/3 of your income on "fixed" basic expenses, your house, car, food.
    
  • 1/3 of your income paying down debt & or using to invest in yourself, or your property - this is also the fund you draw from for entertainment.
    
  • 1/3 for savings, by building up a savings fund, you are resistant to sudden financial troubles.
    
    
• (bad) I joined a furniture & wholesale goods club, in hindsight if I had a wife and kids at the time, this would make sense, however as a single person it was a bad decision , overall cost 5000$.
  
  
• (great) With regard to school, study your ass off on hard classes, I can't say as I can estimate what the exact dollar value added is, but what I do know is that I get and can take hard jobs and get them done, employers & customers like that...a lot.
  
  
• (great) Student loans is another area in itself where you can either do really well or really badly , depending entirely upon how you use them, but it's equally important to understand a bit , about yourself, when you look deeply you often find what you thought was what you wanted isn't really so.
  
  
  • (good) So taking on student loans AND obtaining a good/(technically business useful degree) , is a great investment. In this way, many years later, I made more this year in bonus than in my first year's tuition, and historically have a salary increase of 4200$ year over year), it allows you autonomy financially, allows you to dream...on a budget.
    
    
  • (tragic) Student loans AND a "bad" degree/(impractical or low paying) , this is a ticket to working at Starbucks or Walmart for the majority of your adult life, it means your dreams are deferred, perhaps permanently.
    
    
• (good) In the question of whether to by a new car vs. used car, almost always you should by a used car, I bought my first new car at the tender age of 38, and when I did, it was a very high efficiency hybrid, which (with 3 & 4 dollar gasoline prevalent) means I save roughly 2500-3000$ every year on the cost difference between hybrid car and regular car. If a new / hybrid car is out of reach, as they say, "If you can't raise the bridge, lower the river ", you can move, live VERY close to work, find safe , clean, housing as close to your job as possible.

I highly recommend All Your Worth. You can get a used copy for $4 shipped, and it is one of the best budgeting plans I have ever come across.

It's so wonderful because of its simplicity. It makes sense, it's easy to use, it is incredibly effective, and most importantly it doesn't encourage depriving yourself. I feel like it would be great for someone like you, because so many budgeting guides say things like cut down on this, cut down on that and quit throwing your money away on frivolous things and stop buying $6 lattes when you can make them yourself at home and quit feeling like you're entitled to treat yourself constantly. This one is different.

*Also, I saw someone talking about Excel spreadsheets and all that... What kind of phone do you have?