Book Review and Giveaway: Enjoy Your Money! How to Make It, Save It, Invest It, and Give It

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There aren't many personal finance books out there targeted towards people in high school or young adults.  If you are between 16 and 30 (yeah, I'd say you're a “young adult” until 28 or so) and are wanting to read a personal finance book that is geared towards you, then “Enjoy Your Money!” is for you.  It's meant for people who are still in school, or are thinking about getting married, or actually thinking about responsibility (yeah, I know.. what's that?!) and getting out of debt or saving money for a house.  It's an easy read (I read it in about a day or so) and there are lots of good tips and factoids on personal finance.   It’s not just that the book contains tons of great advice on succeeding at work, living frugally, investing and living. It’s that it puts it so simply and interestingly. Although it’s well-documented with authoritative sources, it’s written in a story form to keep readers interested and moving forward.

It follows the story of four high school seniors.  They get together for breakfasts where they get serious about money guided by a teacher called Mrs. Kramer.  Mrs. Kramer talks about people who did good with their personal finance, like Warren Buffett, and how he amassed $47,000 (adjusted to inflation today) by the time he graduated from high school by investing and working ordinary jobs when he was a kid.  Yes, I know, the $47,000 by high school graduation puts us all to shame- guess you got to start somewhere!  The book also talks about other people who did well and not so well with their personal finance, like Led Zeppelin, Sam Walton (the Wal-mart billionaire in case you were living under a rock), and Mark Twain.  It reads like a story- very much like The Wealthy Barber so you don't really realize that you're reading about personal finance.  I'd liken it to something like personal finance for dummies, though I haven't read that book yet.

But there’s something else about this book. Although it’s about money, it’s not materialistic (doesn't talk about how to amass tons of wealth in order blow it all on dream cars).  It actually encourages you not to get expensive cars (e.g. Jaguar) even if you're a millionaire, because statistics show that most millionaires don't drive fancy schmancy cars.  It's more like the people who are in debt who drive fancy schmany cars to give the illusion of the blinged-out lifestyle.  You don't want to be one of them, do you?  It asks the deeper questions, like does more money necessarily bring us more happiness?

If you're interested in reading more about this book, checking out the reviews (there's 20 of them on so far, and all really good), or buying it, check it out at Amazon.

Youngandthrifty readers, to win a brand-spankin' new copy of this book ($15.99 value) all you have to do is subscribe if you haven't done so already, and comment below with the answer to this question:

What was one thing about personal finance that you learned in high school that was really helpful to you now? (Yeah, I'm bringin' it way back- time to reminisce about the good ol' high school days)

If you've already subscribed to, thank you! All you need to do is comment below with the answer to this soul-searching question (so I can enter your name).

Winners will be drawn by and the contest closes Wednesday June 9, 2010 at 2300 (11pm) PST.

Good Luck!

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Young is a writer and former owner of Young and Thrifty and the main "twitter' behind Young and Thrifty's twitter account. She lives in Vancouver, BC and enjoys long walks on the beach, spending time with her anxious dog, and finding good deals. If you like what you read, consider signing up for email updates.


  1. Kevin on June 2, 2010 at 10:11 am

    Oh boy…hmm I’d say the thing I learned in high school that helped me the most was to not get into the credit card trap.
    I didn’t listen completely cause I still got credit cards but I kept the debt to a minimum so I never got hurt from it. Other than that I really didn’t learn much that helped me…at least I don’t remember anything.
    .-= Kevin

  2. ctreit on June 3, 2010 at 7:55 am

    The single most important thing I learned in high school was to save some of the money I earned or got as pocket money. While I did not really have any financial goals for which I wanted to save, I always thought that money was to be saved and not just spent. I still enjoy saving money more than I enjoy spending it.

  3. young on June 3, 2010 at 11:35 pm

    @ctreit- Good for you! That’s pretty hard to do in high school, I’d say (discipline with money, that is!). I think for me, the most important thing in high school that I learned was that earning money was hard work! So I learned the value of a dollar =)

  4. Saving Money Today on June 4, 2010 at 12:44 pm

    I think the author is making his way through the Yakezie! I’m having a giveaway of the same book on my blog…it was really enjoyable and loaded with solid advice. I’d recommend it.

  5. young on June 5, 2010 at 11:40 am

    @Saving Money Today- I liked it too! Glad he’s spreading the word about his book =) Guess I shouldn’t sign you up for the giveaway since you already have the book, huh? lol!

  6. Sunny on June 6, 2010 at 9:42 pm

    Hello! When I was in high school, finance wasn

  7. young on June 6, 2010 at 9:46 pm

    @Sunny- Hi! Love your site! I am always a big fan of female Canadian bloggers (like me!!). You’ll likely win the book, there’s only three entries so far LOL!! =) So you’re saying live below your means, and not lust after material things? (It’s nice to grow up in a smaller town, I don’t think people are as influenced by consumerism in smaller towns).

  8. SD Kevin on June 8, 2010 at 1:19 pm

    In what I thought would be an easy class my senior year, I took a Home Economics class. I learned a lot about cooking, but when we got to finance lessons the teacher taught us about budgeting. It was rudimentary, but the idea that you can list out income and expenses – including discretionary expenditures – was very useful. I’ve refined the budget process a lot as I’ve grown older, but the basics still pull from that 12th grade Home Ec class.

  9. young on June 8, 2010 at 6:56 pm

    @Kevin- cool- sounds like your teacher was really proactive… my home ec teacher never taught us about finance or budgeting! Thanks for sharing, Kevin! Good luck =)

  10. J. Steve Miller on June 13, 2010 at 1:56 pm

    Y & T,

    Thanks so much for the great review and giveaway! I think the book’s helping a lot of people. Thanks for helping to get it out there. My lessons from high school were mainly from my parents, who lived frugally, saved relentlessly, spent on appreciating assets rather than stuff that would go down in value, and gave generously.

  11. young on June 13, 2010 at 5:46 pm

    @J. Steve Miller- you’re welcome- it really was a good book- you know i’m honest to the “T”.. so if i didn’t like it I’d say so =) Thanks for having a giveaway!

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