This program is read by the authors and a full cast.

Learn how to money in this in-depth guide from New York Times bestselling author and financial expert Jean Chatzky and the team at HerMoney

There’s no getting around it. You need to know how to manage money to know how to manage life — but most of us don’t! This audiobook from New York Times bestselling author and financial expert Jean Chatzky, Kathryn Tuggle, and their team at HerMoney breaks down the basics of money–how to earn it, manage it, and use it–giving you all the tools you need to take charge and be fearless with personal finance.

How to Money will teach you the basics of:
-creating a budget (and sticking to it)
-scoring that first job (and what that paystub means)
-navigating student loans (and avoiding student debt)
-getting that first credit card (and what “credit” is)
-investing like a pro (and why it’s important!)

All so you can earn more, save smart, invest wisely, borrow only when you have to, and enjoy everything you’ve got!

A Macmillan Audio production from Roaring Brook Press.

Jean Chatzky has heard all the excuses for why women don’t deal with their finances. She used to make them herself. For the first time, Jean tells you how she made every financial mistake in the book—not paying her bills, going into credit card debt, letting her 401(k) lapse—before finally making the decision to take control of her money and her future.

Whether you’ve made these mistakes or you want to avoid them, if you’re ready to take charge of your financial life then this is the book for you. In it, Jean shares these valuables lessons:

• Where to start

• How to decode financial jargon (it’s easier than you think)

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

• Why being a “good-enough investor” will make you more money in the long-term (while trying to be a “great investor” will drive you crazy)

• Why you might think you are bad at math, and why that doesn’t have to be true

• How (and where) to save your money

• Why women make better investors—and higher returns—than men

Jean is famous for her ability to explain money and investing. In a clear and accessible way, she breaks down all the scariest parts of dealing with money—from investing in stocks to saving for your retirement—to make them doable, easy, and yes, even enjoyable.

Get Rich, Don’t Bitch

“I don’t have time to deal with my money.”

“Managing money and investing is too intimidating.”

“I’m not a numbers person.”

“My husband takes care of our finances.”

“I’m just not good with money.”

Jean Chatzky has heard all the excuses for why women don’t deal with their finances. She used to make them herself. For the first time, Jean tells you how she made every financial mistake in the book—not paying her bills, going into credit card debt, letting her 401(k) lapse—before finally making the decision to take control of her money and her future.

Whether you’ve made these mistakes or you want to avoid them, if you’re ready to take charge of your financial life then this is the book for you. In it, Jean shares these valuables lessons:

• Where to start

• How to decode financial jargon (it’s easier than you think)

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

• Why being a “good-enough investor” will make you more money in the long-term (while trying to be a “great investor” will drive you crazy)

• Why you might think you are bad at math, and why that doesn’t have to be true

• How (and where) to save your money

• Why women make better investors—and higher returns—than men

Jean is famous for her ability to explain money and investing. In a clear and accessible way, she breaks down all the scariest parts of dealing with money—from investing in stocks to saving for your retirement—to make them doable, easy, and yes, even enjoyable. She also includes throughout a “Map to a Million,” great tips on easy and quick financial changes you can make immediately . . . that really add up!

Are You Ready to Be Rich?

If you want to get rich, if you want to be wealthier than you are today, you really need to do only four things. That’s right, just four things.

• You need to make a decent living

• You need to spend less than you make

• You need to invest the money you don’t spend so that it can work as hard for you as you’re working for yourself

• And you need to protect yourself and this financial world you’ve built so that a disaster—big or small—doesn’t take it all away from you

Everything else is just window-dressing. The fees—and how to avoid them. The advisors—and how to hire them. The deals. The scams. The ins. The outs. They are all interesting. Some of them are even quite important. But until you have conquered the heart of the matter, they are all minutia.

The four cornerstones, by contrast, are the meat and potatoes of your financial life. If you do those things today, you’ll start getting rich tomorrow. And once you feel set financially, you’ll be able to start focusing on the truly important things in life. —from the Introduction

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You’ve just lost your job. You’ve got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they’re planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today’s most pressing financial questions and concerns, including: * How do I get out of debt? * How do I avoid foreclosure? * How do I set up a monthly budget? * How can I improve my credit score? * How do I get my health insurance to pay a claim? * What should I do when I lose a parent?With Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet–and stay there!

Can you really start from nothing and become truly secure financially?

What’s the difference between you and Warren Buffett? Between you and your boss? Or between you and your successful neighbor? What do the financially comfortable have that you don’t?

It’s not that those people were born into money, caught a lucky break, or have an Ivy League education. It’s not even that they are smarter than you or make more money than you do each year. So what do they have that you don’t . . . at least not yet? What’s The Difference?

Trusted financial coach Jean Chatzky shares the secrets her groundbreaking research of the self-made wealthy has uncovered so that anyone can break through the barriers that stand between them and true financial freedom. Find out why it’s important to:

• Get happy, but not too happy
• Do what you love, but don’t quit your day job
• Read every day
• Remember that failure is not an option–it’s a necessity
• Harness your intuition to take risks that make sense
• Practice the Kevin Bacon Principle–make connections
• Say thank you–and mean it
• Make your money work as hard as you do

Through candid interviews and a study of more than five thousand people, Jean reveals the traits and habits of those who have moved from the lowest economic strata to the highest. The Difference helps you take a look at where you are now and offers simple strategies for going where you want to go. The Difference, you’ll see, is within you: You have the power to determine your financial future and achieve the next level of wealth.

What’s the difference between you and Warren Buffett? Between you and your boss? Or between you and your successful neighbor? What do the financially comfortable have that you don’t? It’s not that those people were born into money, caught a lucky break, or have an Ivy League education. It’s not even that they are smarter than you or make more money than you do each year. So what do they have that you don’t . . . at least not yet? What’s The Difference?

Trusted financial coach Jean Chatzky shares the secrets her groundbreaking research of the self-made wealthy has uncovered so that anyone can break through the barriers that stand between them and true financial freedom.

Get paid what you’re worth, build secure relationships, and make your money last with this valuable guide from a Today show financial editor and bestselling author.

Ask successful women what they want from their money and they’ll tell you: independence, security, choices, a better world, and–oh yes–way less stress, not just for themselves but for their kids, partners, parents, and friends. Through a series of HerMoney Happy Hour discussions (when money is the topic, wine helps) and one-on-one conversations, Jean Chatzky gets women to open up about the one topic we still never talk about. Then she flips the script and charts a pathway to this joyful, purpose-filled life that today’s women not only want but also, finally, have the resources to afford.

Through Chatzky’s candid three-part plan–formed through detailed reporting with the world’s top economists, psychiatrists, behaviorists, financial planners, and attorneys, as well as her own two decades of experience in the field–readers will learn to: