Graduates experience a common, soaring feeling: Freedom. Yet, we are funneled into an economic system designed to rob our freedom, little by little, leaving many living paycheck to paycheck, transforming the dreamy and ambitious to the beat down and stressed. What if sidestepping that funnel of dread isn't as hard as we think?

"A must-read, especially for women entering the workforce." - Naseema McElroy|Financially Intentional + Nurses on Fire podcast

"This is the book that will teach women en route to financial freedom." - James M. Dahle, MD, FACEP | The White Coat Investor

"Concise, clever, and laugh-out-loud funny." - Linda Bessette | Mindful Money: A Path to Simple Finances

"A life of time freedom is simply priceless. Crafting this life is possible, and it all begins with the plan to Save 10." - Lynn Frair | fihealthcare.com

"The EXACT book I want my daughters to read to learn about personal finance." - Jimmy Turner, MD | The Physician Philosopher's Guide to Personal Finance + Money Meets Medicine podcast

"Every young adult should read this book before making any major financial decisions in their lives." -Rob Phelan | ChooseFI Personal Finance Curriculum Developer + The Simple StartUp: A Beginner's Guide To Starting A Business

But First, Save 10 casts aside self-judgment budgeting, demystifies common financial jargon, and teaches a simple approach designed to yield abundance and joy. Plan retirement on your own terms and buck that unfulfilling job or startyour dream business-this system is your ticket to a life of true freedom, however you define it.

With a pay yourself first cash management system combined with automation, you'll accomplish what prior generations have collectively failed to do:

1. Save (enough) and invest to retire;

2. Create, fund, and retain an emergency fund;

3. Save for future expenses that bring joy, security, and freedom;

4. Pay down debt aggressively and use debt sparingly and responsibly;

5. Design a life with low fixed overhead; and

6. Enjoy spending the rest.

Finally, we have a sustainable routine, adaptable for any income at any life point-a system that offers the power to design our futures and define our destinies.

About the Author

Sarah-Catherine Gutierrez (aka Ladysplaining Money) is the founder of Aptus Financial, national speaker, and co-founder of SAVE10-a campaign to empower women to save for life and retirement. She holds a BA from Salem College, an MPP from Harvard University, and the CFP(R) and CRPS(R) designations. But First, Save 10 is her first book. Find her at ladysplainingmoney.com.

"About this title" may belong to another edition of this title.

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Rarewaves USA
10100 West Sample Road, Ste 101, Coral Springs, FL, 33065, U.S.A.

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Terms of Sale

Right of withdrawal

If you are a consumer you can withdraw from the contract in accordance with the following. Consumer means any natural person who is acting for purposes which are outside his trade, business, craft or profession.

Information regarding the right of withdrawal

Statutory right to withdraw

You have the right to withdraw from this contract within 14 days without giving any reason.

The withdrawal period will expire after 14 days from the day on which you acquire, or a third party other than the carrier and indicated by you acquires, physical possession of the last good or the last lot or piece.

To exercise the right of withdrawal, electronically fill in and submit a clear statement on our website, under "My Purchases" in "My Account". We will communicate to you an acknowledgement of receipt of such a withdrawal on a durable medium (e.g. by e-mail) without delay.

To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

Effects of withdrawal

If you withdraw from this contract, we will reimburse to you all payments received from you, including the costs of delivery (except for the supplementary costs arising if you chose a type of delivery other than the least expensive type of standard delivery offered by us).

We may make a deduction from the reimbursement for loss in value of any goods supplied, if the loss is the result of unnecessary handling by you.

We will make the reimbursement without undue delay, and not later than 14 days after the day on which we are informed about your decision to withdraw from this contract.

We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement.

We may withhold reimbursement until we have received the goods back, or you have supplied evidence of having sent back the goods, whichever is the earliest.

You shall send back the goods or hand them over to Rarewaves USA, Coral Springs, Florida, U.S.A., without undue delay and in any event not later than 14 days from the day on which you communicate your withdrawal from this contract to us. The deadline is met if you send back the goods before the period of 14 days has expired. You will have to bear the direct cost of returning the goods. You are only liable for any diminished value of the goods resulting from the handling other than what is necessary to establish the nature, characteristics and functioning of the goods.

Exceptions to the right of withdrawal

The right of withdrawal does not apply to:

The delivery of newspapers, journals or magazines with the exception of subscription contracts; and
The supply of digital content which is not supplied on a tangible medium (e.g. on a CD or DVD) if you accepted when you placed your order that we could start to deliver it, and that you could not withdraw once delivery had started.

Shipping Terms

Please note that we do not offer Priority shipping to any country.

We currently do not ship to the below countries:

Afghanistan
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Please do not attempt to place orders with any of these countries as a ship to address - they will be cancelled.

Shipping rates within U.S.A.

Shipping rates within U.S.A.
Order quantity	9 to 12 business days	9 to 12 business days
First item	� 0.00	� 0.00

Delivery times are set by sellers and vary by carrier and location. Orders passing through Customs may face delays and buyers are responsible for any associated duties or fees. Sellers may contact you regarding additional charges to cover any increased costs to ship your items.