Book Review – “What Everyone Should Know About Money Before They Enter THE REAL WORLD”

This book review is kind of off topic for the regular content of this blog, but Joe Sangl and his wealth of knowledge in the area of personal finance is extremely important to me… even to the point of saving my marriage.  Have a listen:

“What Everyone Should Know About Money Before They Enter the Real World,” by Joseph Sangl

When I found out that I was going to have the opportunity to read and review Joe Sangl’s new book, “What Everyone Should Know About Money Before They Enter the Real World,” I was extremely excited!  I had read Joe’s previous book, “I Was Broke, Now I’m Not,” and been through his financial seminars three times at my church (the first two times didn’t take…), and I’m a huge fan of Joe’s mission: “to help others accomplish far more than they ever thought possible with their personal finances so they can go do EXACTLY what they have been put on this earth to do.”  To be a part of the release of this book, geared towards high school and college students is a blessing to me, and I feel privileged to assist in his Joe’s mission.

I, like many others in the world today, was in a financial black hole after the college years.  I had debt up to my eyeballs, and so did my bride, although neither one of us were aware of it until after the honeymoon.  Looking back on our lives to date, we wish we had the chance to wind it back to high school days and spend our money more wisely.  Unfortunately, that isn’t the case for us.  There are many more young folks that are following in our footsteps.  If you would like to take a personal interest in a high-schooler’s life, you will get a copy of this book in their hands.

In “What Everyone Should Know About Money…,” Joe covers a lot of the same topics that he does in his seminars and his previous book.  It’s a lot of the same information, but it is in a much easier to read format for high-school age kids to read.  Among many other important bits of information, Joe teaches kids how to develop their own written spending plan and budget (step-by-step), explains the pitfalls and traps that debt has to offer us, and one of the most important things, in my opinion, ways that compound interest can work for and against you.

The good thing about this being such an easy book to read, is that the reader can go back and read it again to refresh themselves.  I am currently in the process of using many of the tools found at the wildly popular website,, and reading the material in this book refreshed the way I look at my finances and motivated me to attack my spending habits that much more, in order to be able to give more away to charities that are important to me, and plan even better for the future.

In later chapters of the book, Joe addresses subjects like investing and purchasing a home.  These are tips I can still use, even on the brink of age 30.  I’m working on getting out of debt from my late teens and early 20’s, and will one day purchase a house.  I want to make sure that I do it right.  Joe’s guide to “not getting upside down” on a house purchase is next to fool-proof.

Money is important.  What you do with your money is even more important.  If you know a high-schooler that will be graduating soon, don’t wait for June of their senior year to give them this book.  Give it to them NOW.  The sooner you instill these principles in their life, the less likely they are to fall into the deep, dark pit of debt that most of America is fighting with.

You can purchase Joe Sangl’s new book, “What Everyone Should Know About Money Before They Enter the Real World” at:  In addition, all of Joe’s amazing resources to aid in personal finance are available at the wildly popular website,

Time To Fight.

It’s probably been pretty noticeable that I’ve been absent from blogging for the past week or so.  It’s been a bit of a rough week for myself and my family.  Here’s the story:

Late last week, my Mom went to the doctor.  She had been having some pains in her breast, which were attributed to cysts for the past year.  The pain had finally become so unbearable, she visited the doctor again to get them checked out and taken care of.  When she went to the doctor, they found something else in her breast, but weren’t sure what it was.  Tests were done and results were to come on Tuesday.

Tuesday rolls around and Mom calls me with the results.  She’s got breast cancer.  Specifically, Invasive Ductal Carcinoma.  I didn’t quite know what that meant at the time, but I knew that any type of cancer is a bad thing.  Mom said that the doctors had another appointment for her on the 29th to talk more about treatment and how they were going to proceed.

It was kind of a tough blow to get, but instantly, I switched from fear mode, while awaiting news of the tests, to fighting mode, once I knew what the diagnosis was.  I went to the downtown pharmacy, picked up a greeting card for Mom, and sent it, along with a LIVESTRONG bracelet to her, next day air.  She had specific instructions to wear the bracelet, for me, and that she was to fight this disease as hard as she could.

I’m not going to lie and say that I haven’t shed a tear about this situation.  My Mom is one of my best friends in the world.  We’re extremely close and we talk on the phone almost every day.  She was my biggest supporter when I joined the Marines, and has supported me 110% in almost everything that I’ve ever done.  To think of the idea of losing her to a disease like this… it’s hard.  This is why we will fight.

Mom’s going to do some chemotherapy to try and shrink the tumor, as well as contain it.  She’ll probably be doing that every three to four weeks for about 4-6 months.  At that point, they’ll probably do surgery to remove the rest.  It really depends on how all that goes as to what happens, really.  It’s all up in the air.

In order to fight it on my own, I think I might do one of the LIVESTRONG Challenge rides to help raise money to fight cancer alongside other folks who have a passion for seeing an end come to this dreaded disease.  There are several locations for the ride, including Philadelphia and Austin, TX, and you have to raise some money to make it happen, but I think I’m going to give one of them a go and have my own personal fight, at the same time my Mom fights her battle.

That’s all I’ve got for now.  Still wrapping my mind around this and trying to stay on task with work and stuff.  More to come later.  I’ll let everyone know where to donate when I get started with the fundraising.  Thanks.

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