About the Book

Bestselling 5 Star Graduation Gift for both College and High School grads! Recommended by eBay, Forbes, Lifehack, Elite Daily, Real Simple and Bustle. Why do high schools and colleges require students to take courses in English, math and science, yet have absolutely no requirements for students to learn about personal money management? Why Didn't They Teach Me This in School? 99 Personal Money Management Lessons to Live By was initially developed by the author to pass on to his five children as they entered adulthood. As it developed, the author realized that personal money management skills were rarely taught in high schools, colleges and even in MBA programs. Unfortunately, books on the subject tend to be complicated, lengthy reads. The book includes eight important lessons focusing on 99 principles that will quickly and memorably enhance any individual's money management acumen. Unlike many of the personal money management books out there, this book is a quick, easily digested read that focuses more on the qualitative side than the quantitative side of personal money management. The principles are not from a text book. Rather, they are practical principles learned by the author as he navigated through his financial life. Many are unorthodox in order to be memorable and provoke deeper thought by the reader.

About the Author

The author, Cary Siegel, is a retired business executive. After earning his MBA from the University of Chicago, he began his career in brand management with Kraft and went on to lead several companies in marketing and sales. He has been the lead speaker at over fifty sales meetings and marketing seminars, and was honored with over twenty awards during his career. Following the principles from this book (along with hard work) allowed him to retire at the age of forty-five.

About the Reviews

I gave this book to both of our boys as a HS graduation gift. One child is a reader and a saver, the other is a spender who hates to read. Surprisingly, the reader didn't read it but my spender did and now is asking questions about credit cards, car loans and paying interest. He is all about "living within your means" now, though I reminded him that you need to live BELOW your means to be able to save money. He has several hundred in savings now whereas before he would blow it as fast as possible. Now he tells me stories of how he sees his friends making not so wise choices with their money. I never thought this day would come!

So many people giving low reviews say "it's just common sense" but yet millions of adults are in debt up to their eyeballs, foreclosing on their mortgage or are under water, or not saving an emergency fund or having enough for retirement. So obviously there are millions out there that never learned this so called "common sense". I hope this book prevents my kids from being 2 of those millions.

As someone else mentioned, if my husband and I had read this book 30 years ago, we would now be financially better off but we both learned the hard way.

Thank you for writing this in a format that is not long chapters but little quickie sections so that my even my son who dislikes reading doesn't mind reading it. :)


I was taught some of this in school. My parents and in-laws taught me some of it. No one taught me all of it, nor put it together as well as Mr. Siegel does in this book. Thank you, Mr. Siegel.


This is the perfect book for someone just starting to earn and learn about money. I bought it as a high school graduation gift and promised a check AFTER my granddaughter had read it and discussed it with me. I wrote personal experiences on post-a-notes and stuck them in appropriate chapters. She amazed me when she announced she had opened a savings account and was putting 15% of her earnings into the account. She definitely received her check! Great book!

Product Info

Paperback: 188 pages
Publisher: CreateSpace Independent Publishing Platform; 2.4.2013 edition (March 6, 2013)
Language: English
Average Customer Review: 4.3 out of 5 stars 383 customer reviews

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