Transform your financial situation with easy-to-follow advice from a first-generation professional
In Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth, lawyer, business owner, and first-generation professional Cindy Zuniga-Sanchez delivers a practical and actionable blueprint for financial independence. Full of easy-to-apply advice for young adults, students, and early-career professionals, the book is a holistic guide to responsibly managing money and debt while building your nest egg.
In the book, you’ll explore how to be a responsible consumer, how to budget, save, invest, pay off debt, build credit, and increase your income. You’ll also understand much of what school didn’t teach you about student loans. The author explains: - Strategies to create a realistic and actionable debt repayment plan that will save you money and time - Strategies for maximizing your income by negotiating your salary and finding profitable “side hustles” - Techniques for straightforward forms of investing that responsibly balance risk and reward - The money strategies that she put into place and resources that she used to go from having six-figures of debt to a multiple six-figure net worth
An essential money resource for students, professionals, entrepreneurs, young families, and anyone else hoping to reduce their financial stress and improve their lives, Overcoming Debt, Achieving Financial Freedom is the simple and powerful money guide you’ve been waiting for.
In Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth, lawyer, business owner, and first-generation professional Cindy Zuniga-Sanchez delivers a practical and actionable blueprint for financial independence. Full of easy-to-apply advice for young adults, students, and early-career professionals, the book is a holistic guide to responsibly managing money and debt while building your nest egg.
In the book, you’ll explore how to be a responsible consumer, how to budget, save, invest, pay off debt, build credit, and increase your income. You’ll also understand much of what school didn’t teach you about student loans. The author explains: - Strategies to create a realistic and actionable debt repayment plan that will save you money and time - Strategies for maximizing your income by negotiating your salary and finding profitable “side hustles” - Techniques for straightforward forms of investing that responsibly balance risk and reward - The money strategies that she put into place and resources that she used to go from having six-figures of debt to a multiple six-figure net worth
An essential money resource for students, professionals, entrepreneurs, young families, and anyone else hoping to reduce their financial stress and improve their lives, Overcoming Debt, Achieving Financial Freedom is the simple and powerful money guide you’ve been waiting for.
Table of Contents
Preface xi
Acknowledgments xv
About the Author xvii
Part 1 My Money Story 1
1 Money Lessons from the Bronx 3
2 Financial Hurdles in Pursuit of the American Dream 9
3 The Journey to Financial Freedom 17
Part 2 Eight Wealth-Building Pillars 25
4 Take Inventory of Your Numbers 27
5 Choose the Best Budget for You 45
6 Become a Conscious Consumer 71
7 Save with a Purpose 87
8 Create Your Debt Payoff Plan 109
9 Master Your Credit and Your Credit Cards 141
10 Invest for Future You 165
11 Increase Your Income 193
Part 3 Implementing the Pillars 211
12 Your Financial Roadmap 213
Notes 231
Index 245
