{"product_id":"2940169971156","title":"The Index Card: Why Personal Finance Doesn't Have to Be Complicated","description":"When it comes to our money, many of us make the same mistakes over and over again. We are confident when we should panic. We believe that stock we heard about on CNBC or saw promoted on Twitter is the next Apple or Google. Or we find managing our money difficult and boring, and we don't pay any attention at all. We neglect things. We toss our retirement statements in a drawer, planning to look at them on a future day that never arrives. We pay our bills the day before they are due. There is only one thing more confusing: all the you-can-have-it-all financial how-to books out there.\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e Now, Helaine Olen and Harold Pollack draw on years of experience researching and reporting on the financial lives of Americans to present an accessible, one-stop guide to taking back your financial future. The answers are simple enough to fit on an index card-an idea so user-friendly and helpful that \u003ci\u003eMoney \u003c\/i\u003emagazine named it one of their Best New Money Ideas. Their simple rules include: \u003cbr\u003e\u003cbr\u003e\u003cul\u003e\n\u003cli\u003eSave 10 percent to 20 percent of your income. Really.\u003c\/li\u003e\n\u003cli\u003eNever buy or sell an individual security. No, not even Google.\u003c\/li\u003e\n\u003cli\u003eAvoid actively managed funds. \"Active\" means \"you're paying fees, sucker.\"\u003c\/li\u003e\n\u003c\/ul\u003e\u003cbr\u003e\u003cbr\u003e  Beyond outlining the rules, the authors also explain why so few people follow them-because the financial services industry profits when people behave foolishly, and a web of incentives and misinformation lead consumers astray, especially in hard times when people feel the pressure to do almost anything to keep up. Armed with \u003ci\u003eThe Index Card\u003c\/i\u003e, listeners will gain the tools, knowledge, and confidence to make the right decisions regarding their money.","brand":"Instructional Systems [Aubrey J. Kline (aka Jim Kline dba Instructional Systems)]","offers":[{"title":"Default Title","offer_id":47117182533872,"sku":"2940169971156","price":24.98,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0737\/7593\/9824\/files\/2940169971156_p0.jpg?v=1763698549","url":"https:\/\/shop-qa.barnesandnoble.com\/products\/2940169971156","provider":"Barnes \u0026 Noble (DEV)","version":"1.0","type":"link"}