Future Rich Person!: The New Rules for Building Wealth Even If You're Stuck, Broke and That Billionaire Won't Text You Back... - Couverture rigide

Sacks, Haley

Couverture rigide

ISBN 13 : 9798217090907

Editeur : Ballantine Books, 2026

Synopsis

From Zillennial Finance Expert Mrs. Dow Jones comes a groundbreaking, judgment-free personal finance guidebook about how to grow wealth on your own terms.

You’re not bad with money. It’s just no one ever taught you how to win a game rigged against you.

Recessions. Crushing student debt. Inflation that won't quit. A housing market that feels like a joke. If you're a Gen Z or millennial, it feels like the financial deck has been stacked against you from day one.

But here's what the doom-scrolling won't tell you: You can still get rich.
Haley Sacks—the Zillennial Finance Expert behind Mrs. Dow Jones—has helped millions of people flip the script on money and unlock their financial power. No trust fund required. No lottery ticket needed. Just actionable strategies broken down and the guts to face your finances head-on.

In this positive, realistic, and engaging guide to personal finance, you’ll unlock:

• The money mindset shift that changes everything
• A financial organization system that actually makes sense
• How to boost your income and get paid what you're worth
• The "Future Rich Person" budget that feels like freedom
• Your financial escape hatch (and why it's non-negotiable)
• Why you should be married to the market (like Mrs. Dow Jones herself!)

This isn't about cutting lattes or living like a monk. This is about making your money work as hard as you do—and finally feeling powerful instead of stressed.

The financial freedom you deserve? It starts the moment you decide you're a Future Rich Person. And that moment is right now.

With a sense of humor and a savvy mindset, Haley Sacks will help you navigate the world of modern money and achieve the financial freedom you deserve. It all starts now when you embrace your life as a Future Rich Person!

A propos du livre

À propos de l?auteur

Haley Sacks, better known as Mrs. Dow Jones, is one of the most influential voices modernizing financial literacy for the zillennial generation. With her signature blend of humor, pop culture, and sharp financial insight, she's made money education feel accessible, relatable, and genuinely cool for millions. Her work has earned recognition from The New York Times, The Wall Street Journal, and Fortune's "40 Under 40," plus she's been named Creator of the Year by Adweek and dubbed "the financial guru millennials listen to" by The Wall Street Journal. She lives in New York City with her miniature poodle, Mystery.

Extrait. © Reproduit sur autorisation. Tous droits réservés.

Introduction

Future Rich You

My mom said to me, “You know, sweetheart, one day you should settle down and marry a rich man,” and I said, “Mom, I am a rich man.” —Cher

A few years ago, I was in Boston speaking at a university about money. Afterward, I hosted a meetup in the hotel lobby for my followers. The group was fun, but as I was chatting away, I couldn’t help but notice one girl in particular. She wasn’t saying much, but her outfit was screaming—it was a green-and-yellow checkered set that was trendy and cool, and I seriously considered asking if I could borrow it.

Eventually, the group broke up, but I spotted Checkers hanging back. I asked if she wanted to join me for a drink, and she accepted. Turns out, her name was Vera. She was twenty-six, from Chicago, and had come to my lecture because she’d recently been laid off from her job in advertising. She had walked into a meeting with her boss fully thinking she was getting a raise and instead walked out with a severance package. WTF?

We ordered another round, and she gave me the details: She had no savings, no family money to fall back on, $12,000 in credit card debt, and over $100,000 in student loans. And despite working hard for five years, she had never gotten a raise. She was paying off her dreams with Affirm, and losing her job had sent her into a tailspin that had derailed the loose plan she’d had for herself. You know—the plan most of us have of buying a home, getting a car, and having 2.5 kids and a dog, with a salary from a job we’ll hold on to until we retire with a nice pension? For Vera, that plan was out the window—how could she expect to save a dime, let alone come up with a down payment for a house or fork over the cash for dog food, when she couldn’t even pay her utility bill? She forced a laugh and told me that if things got much worse, she could always sell her eggs.

I gently asked her how she had gotten into debt. She gestured to her fit—The Row Margaux bag, Cartier screw bracelet, and designer Adidas collab sneakers—as if to say, You’re looking at it. To be fair, girlfriend looked iconic, but it was clear she definitely did not feel iconic. She also told me about how high her rent was and how expensive her healthcare and groceries were. I was pretty sure I knew what was going on. Like so many of our generation, Vera was facing outrageous student loan debt, the highest housing costs in history, a job market as stable as a Jenga tower, and sky-high inflation, all of which kept her barely treading water financially. Meanwhile, every time she went online, she saw her favorite influencers wearing brand-new outfits and going on lavish trips and eating at cool restaurants. She wanted that for herself, too. Who wouldn’t?! The dopamine rush of a package arriving was addictive, even if paying for it was a brutal financial comedown. Poor Vera (literally and figuratively). No wonder she was in this predicament.

As she was wrapping up her tale of woe, the waiter came over to close out our tab. Vera whipped out her card. “I got it!” I couldn’t believe this unemployed person who just told me about all her debt was trying to pay for me. Before I could override her misplaced generosity, her card was declined. Which led to . . . Vera bursting into tears. “This is so embarrassing. Let’s try this card instead,” she said as she dug through her Margaux bag. I leaned over and said, “I got you.”

If you have ever felt like Vera did—confused, ashamed, overwhelmed by your finances, and feeling like you’re just constantly treading water— I’ve got you, too. If you’re thinking, That would never be me, first of all— whoa. Don’t judge her! It was brave for Vera to share her story. But also, this book is for you, too. You don’t need to be five figures in debt or a total finance newbie to gain tremendous wisdom from Future Rich Person!

I know what you’re thinking: Haley, you’re gonna teach us to get rich? In THIS?! *Gestures to the crumbling American dream.* Yes, our generation has inherited a perilous financial landscape and then been told it’s our fault that we’re having so much trouble existing in it. But even though our parents may have had it better/easier, one thing remains the same: Money is still power, freedom, and completely necessary for the life you want to live. Whether that life is as simple as renting an apartment and having health insurance or as fabulous as owning a triplex in Tribeca. I truly believe inside every financial disaster—no matter where you register on the scale—is a Future Rich Person.

I’m Haley, BTW

Why should you or Vera trust me to transform you into a Future Rich Person? The obvious answer is that I’ve been teaching people how to master their money since 2018 as Mrs. Dow Jones. Yes, you may know me from the internet? Not to brag, but I was the first financial influencer. I have a raspy voice and a miniature poodle named Mystery, and I’ve probably popped up in your feed with my free daily financial lessons to help you and two million other people get rich. I’ve been listed in Fortune 40 Under 40 (with Beyoncé), had spreads in The New York Times and The Wall Street Journal (they even called me a “financial guru millennials actually listen to”), and have been on Good Morning America (multiple times). But I call myself Mrs. Dow Jones because I said “I do” to the market and the freedom that comes with owning my financial future. So that’s the first, easy reason you should trust me if you’re here to learn how to become a Future Rich Person.

The less obvious reason you should trust me is that I used to be exactly like you. Okay, maybe not in every way. Don’t hate me when I tell you this, but . . . I grew up on the Upper East Side ($$$$$ zip code), and my dad works on Wall Street. Yes, that’s right. I grew up . . . rich, with a Wall Street Father (WSF). I know, I know. Most personal finance books are written by people who started from the bottom and figured it out. Well, I kind of . . . started from the top? But my summers in Martha’s Vineyard and lack of student debt did not save me from being completely confused about money. I loved to spend it and talk about it, but I had no idea how to make it, keep it, or grow it. My dad manages billionaires’ wealth for a living, and yet I was financially clueless. I was like if LeBron James’s daughter couldn’t shoot a free throw.

Back in my twenties, I wanted to be a comedian. I was working as a page at Late Show with David Letterman during the day and doing standup and improv on the Lower East Side at night. In my free time, I made YouTube videos you will never find (don’t even try it) like “GRWM to Zip Zap Zop.” On the side, I babysat a kid named Winthrop on the Upper East Side (yes, his real name), and this little Napoleon let me work on my internet videos if I let him watch wrestling instead of doing his homework. Oh, and I also worked the front desk at a chic SoHo Pilates studio that Karlie Kloss and the Olsen twins favored, and no, I didn’t have to sign an NDA, so ask me anything.

I was hustling like this for years until, at twenty-five, I finally got my big break (a warning to readers who might not like name-dropping: I’m about to name-drop): Lorne Michaels, the man who started Saturday Night Live, was hiring for two creative social residents. I got the job alongside Ben Marshall (who you may know now as the redhead from SNL). Dream job territory. I went in there full of hope, giving Leslie Knope energy. I was freaking doing it. I finally had it together. I was going to be getting off the train at 8:30 a.m. with the rest of corporate America, heading to my full-time job at a windowless office in Midtown! Pinch me.

But then, on my first day, HR had the audacity to ask about my 401(k) contributions and health insurance. Four-oh–what now? I could recite every Taylor Swift relationship timeline, knew every Kardashian’s astrological sign, and could tell you exactly what Lindsay Lohan wore to court in 2010, but I couldn’t have told you what a retirement account or the S&P 500 were if my life depended on it. The other new hires confidently picked their plans and decided their contribution percentages; I nodded along like I was at a concert where I didn’t know the words.

I felt called out.

I knew nothing about money.

When the meeting was over, I bolted out faster than Julia Fox ditching Kanye.

As I sat in my apartment later that night, the collection of designer bags I had spent thousands on mocked me from the corner (I was obsessed with looking rich instead of being rich), and something shifted inside me. All my pop culture knowledge, all my creative talent, all my hustle—it was clear none of it mattered if I couldn’t understand basic adult finances. And I didn’t.

This is what I meant when I said that I was exactly like you. Like, whatever you think you do badly with your money, I did worse. Ignore your credit card statements? I don’t think I had a login. Overspend on food? I used to order Nobu for breakfast. Turns out, rock shrimp tempura pairs great with a cold brew! Avoid contributing to your retirement accounts? I didn’t have one because I didn’t even know they existed.

Détails de l'édition

• Éditeur: Ballantine Books
• Date d'édition: 2026
• Langue: anglais
• ISBN 13: 9798217090907
• Reliure: Relié
• Nombre de pages: 256
• Coordonnées du fabricant: non disponible
• Personne responsable: non disponible